Request your civil liability insurance for VMP

Hire Civil Liability Insurance




Frequent questions

What is this type of insurance?

The frame number is a factory identification number of the Electric Bicycle is engraved on the bottom of the frame of the Electric Bicycle.

Electric scooters:


  • Civil Liability.
  • Defense of the insured.
  • Legal protection of the skater.


Basic coverages:

  • Civil Liability.
  • Travel Assistance.
  • Defense of the insured.
  • Legal protection of the cyclist.

Optional coverages:

  • Personal assistance.
  • Personal accidents:
  • Death.
  • Permanent Disability.
  • Medical and pharmaceutical expenses.
  • Hospitalization expenses.
  • Personal accidents exclusively of circulation with the intervention of motor vehicles.
  • Plastic and Reconstructive Surgery.
  • Damage and Theft of the Bicycle.

Main exclusions applicable to any coverage:
Damages resulting from:

  • Intentionality or bad faith of the insured.
  • Civil war, strike, riot, popular riot, or terrorism.
  • Earthquakes, floods, and other extraordinary phenomena.
  • Paralysis of fluvial, maritime, rail and/or air transport, as well as its facilities and services.
  • Events that occurred outside of the cycling activity.
  • Damages occurred where the use of bicycles is not authorized, as well as its improper use.
  • Profitable use of the bicycle in commercial activity. 
  • Professional activity, official sports events, acrobatic exercise or show.
  • Incidents whose coverage corresponds to the "Insurance Compensation Consortium".
  • Damage covered by compulsory insurance.
  • Neither are other specific facts of each coverage insured, among which are: 
    • In the General Civil Liability coverage:
      • The practice of any other type of sport and/or sports practice other than cycling. 
    • In the Travel Assistance coverage:
      • Medical, surgical and hospitalization expenses in
      • Rescue in sea or desert.
      • In case of transfer or repatriation of deceased: burial and ceremony expenses.
  • The Contractable Guarantees all have a Maximum Indemnity Limit.
  • Burial expenses for children under 14 years of age or over 70 years of age have a limit of 3,000 euros.
  • If the insurance contracting party moved their residence outside of Spanish territory, the coverage would be extinguished.
  • Free-choice attorney/lawyer fee limit 3,000 euros.
  • In case of Damage and/or Theft of the bicycle, the Insured will be responsible for the following amounts:
    • 1st year 20% of the claim amount, minimum €100.
    • 2nd successive year 10% of the claim amount, minimum €100.
      In case of theft of the bicycle, maximum compensation: €150.
  • For damages occurring outside the territory of the European Union, the limit of compensation shall not be understood to be released from any deduction for judicial or extrajudicial expenses, for or that the defense expenses added to the
    compensation, may not exceed the insured Compensation Limit.
  • Return the signed insurance contract to AXA Seguros and pay the price thereof.
  • For the acceptance of the risk and the issuance of the insurance contract, you are obliged to accurately declare the information requested to assess the risk.
  • During the validity of the insurance contract, you must inform us in writing of any modification of the information that we have requested when contracting the insurance, as well as the existence of other insurances that guarantee any of the
    benefits of this policy.
  • In case of incident:
    • You must notify us as soon as possible, within a maximum period of seven days, providing all kinds of information about the circumstances and consequences. 
    • You must use all means at your disposal to reduce the results of the accident.

The contracting party is obliged to pay the price of the insurance at the time of contracting.

The payments of successive annuities must be made in the corresponding maturities, and payment may be agreed in installments, by direct debit.

The entry into force of the contract will begin and end, unless extended, on the date and time indicated in the particular conditions, as long as the first bill has been paid.

The contracting party may oppose the extension of the contract by notifying the insurer in writing with a minimum notice of one month prior to the end of the current period.

More questions

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