e scooters

It's interesting that you discount Club comparisons to 'small' commercials yet do exactly the same when I mention a 'large' commercial...

perhaps the club is unique and doesn't stand comparison elsewhere?

No kids tearing around on bikes or scooters

I should hope not, it's term time?

WN, when we lived in Germany its was law to have third party liability insurance.

Quite often this was included in house insurance. We had to take it out as parents, if our child ran into the street or fell off a bike and caused an accident as a parent you were liable for ALL costs.

Dogs were even included in the law, much to the dismay of one of our friends who's dog slipped his lead and ran into the road. It caused a driver to swerve, unfortunately it still clipped the dog which had to be put down due to the severity of its injuries. The dog owner had to pay for the damage to the car.

We had to use the insurance once, when a supermarket trolley got away from as we were unloading the shopping into the car. It rolled away and came to rest against a german car. The owner was most insistent that we pay for the wing to be resprayed. It was the tiniest of marks that could have been polished out. Thankfully the insurance agreed.

Very good cover to have, especially over here.

TG,

Thanks for your reply.  It is common over here, but not the law, in the UK to have Public Liability cover under your Household Insurance policy but I have seen many a policy underwritten by different companies that would have excluded cover for a motorised Quad bike, some even for sit down lawn mowers.

Insurers in the UK, many of them the very same ones that provide cover in Germany, are scared of large claims arising from these incidents and thus distorting their figures for what is a relatively low risk for them. One only has to see how large some Liability claims can become after road accidents to see why they think this way. The young lady that hit our car could have quite easily have hit any number of people who were out and about at that time on the campsite.

I was just wondering how they will approach the risks provided by e-scooters.

WN, I guess things might have changed, its 31 years since we left Germany and close on 50 years since we went there. I don't think things like ebikes, escooters and quad bikes were items that folk had. 

At that time they were very insurance minded. It caught many a squaddie out.

I find insurance companies will always try to get out of any claim if they can writing in clauses to cover just about everything.

Lots of electric scooters over here, they now use them on some sites to escort you to your pitch. Lots of young children using them to, unlike ebikes which they can't until 14 years of age I believe.