Dott’s insurance policies vary based on the country you’re riding in. To better understand what coverage you can enjoy and where, please make sure you read the Insurance summary for the country you’re riding in.
SUMMARY OF INSURANCE COVERAGE FOR BELGIUM (ENGLISH LANGUAGE)
During the duration of the Rental of the Electric Scooter DOTT, the User
benefits from the Insurance subscribed by DOTT, covering third-party liability
insurance and Personal Injury insurance of the User. The cost of insurance is
automatically integrated into the cost of renting the electric scooter, there is
no option to select.
This Collective Policy is intended to cover the Insured Person as part of his
General Liability and for Personal Injury damages suffered in the event of a
traffic Accident in which the User is involved during the time of use of the
electric scooter. as New Individual Electronic Vehicle (NIEV), under the
conditions defined in these DOTT General Conditions of Insurance.
All warranties and exclusions are detailed below.
To report a claim, please refer to section "3. How to declare a claim?"
1. The eligibility criteria:
The Insured Person can claim coverage if:
-
He/She is 18 years old or older
-
He/She is in possession of a national identity card (for Belgian citizens,
citizens of a country of the European Economic Area and Switzerland) or a
valid passport
-
He/She is connected to the DOTT Mobile App by creating an account (last name,
first name, phone number, bank card)
In any case, the Insured Person can not claim coverage prior to its connection
to the DOTT Mobile Application, or if it does not meet one of the criteria
defined above.
2. What is covered:
In the Geographic Limits and Coverage Period, the Insured Person is covered:
-
While using a DOTT electric scooter (NIEV) and
-
For his Civil Liability described below,
-
For the damage it would suffer, in accordance with the Accident Individual
Guarantee described below
2.1. Civil Liability: Personal Injury and Accidental Damage
Our Insurer will pay the amount shown in the Table of Benefits below for:
Description of the Guarantee |
Insured value |
Franchise |
Civil Liability: |
|
|
Bodily harm |
5.000.000 EUR |
No Franchise |
Accidental property damage |
5.000.000 EUR |
No Franchise |
What is not covered
Never guaranteed:
-
Any liability arising outside the Coverage Period;
-
Any deductible provided for in the Collective Policy;
-
Liability arising from the loss of, or damage to, property that belongs to the
Insured Person.
-
Damages arising from civil liability subject to legally binding insurance;
-
Any disaster where punitive damages, exemplary or aggravated damages due to
the behavior of the Insured Person are put in our charge
-
Any liability for Personal Injury or Accidental Damage:
-
Arising from the ownership, possession, use, occupation of land or buildings;
-
Arising from the ownership, possession or use of motor vehicles, yachts, motor
boats, aircraft of any kind, animals or firearms and weapons.
-
Any Loss caused intentionally or by gross negligence of the Insured Person
while using an NVEI. The following are considered to be gross faults: inherent
risks or damages resulting from acts or acts committed in ignorance of the
rights of others, the rules of the art and / or practices of the profession,
legal, regulatory and / or administrative rules in force, including the
applicable rules of the road
-
Any damage suffered by the Insured Person.
Also excluded:
-
Any act of fraud or dishonesty on the part of the Insured Person or any person
acting on his behalf;
-
War, invasion, terrorism, acts of foreign enemies, hostilities (whether war is
declared or not), civil war, rebellion, revolution, insurrection, military
coup or usurped power, ionizing radiation or radioactive contamination of any
nuclear fuel or nuclear waste from the combustion of nuclear fuel;
-
The radioactive, toxic, explosive or hazardous properties of any nuclear
assembly or component thereof;
-
The shock waves of an airplane or other aircraft flying at supersonic speeds;
-
Suicide, attempted suicide or self - inflicted injury by the Insured Person,
or if she herself puts herself in unnecessary danger (unless she tries to save
a human life);
-
Use of solvent, be under the influence of alcohol or drugs, except those
prescribed by a licensed physician and those prescribed for addiction to the
drug;
-
Engaging in criminal activity.
2.2 Personal Injury
In the event of a traffic Accident, fire or explosion in which the Insured
Person is involved while driving an NIEVI, this cover covers the bodily injury
suffered by the Insured Person.
It is exercised under the conditions defined in this chapter, the ceiling of
compensation being included in the table of guarantees of the special
conditions.
No compensation will be paid regardless of the item of injury concerned, if
the disability rate is less than or equal to 10%.
The compensation due, once deducted from all benefits paid by the social
organizations and third-party payers as defined below, may not exceed the
guarantee ceiling provided for in the schedule of warranties of the Special
Conditions, and the under-limitations provided in the guarantee table of these
General Conditions.
2.2.1 Who is the Insured Person?
Any person named above in point 1. The eligibility criteria, whether
responsible or not for the Accident in which the insured NIEV is involved.
2.2.2 What damages may be compensated?
Accidental Death and Permanent and Temporary Incapacity
We cover the damages listed in the following table within the limits of the
insured value indicated, if the Insured Person suffers Bodily Damage due to an
Accident occurring during the Cover Period which results in Personal Injury.
Table of services:
Damages covered |
Insured value |
Accidental death (accident only) |
200.000 EUR |
Funeral expenses (accident only) |
3 000 EUR |
Quadriplegia (accident only) |
50 000 EUR |
Paraplegia (accident only) |
50 000 EUR |
Loss of sight of one eye (accident only) |
12 500 EUR |
Loss of sight of both eyes (accident only) |
25 000 EUR |
Loss of limb (accident only) |
25 000 EUR |
Total permanent disability (accident only) |
50 000 EUR (total amount is equal to 100% disability) |
Loss of hearing in both ears (accident only) |
25 000 EUR |
Loss of hearing in one ear (accident only) |
6 250 EUR |
Loss of total and permanent speech (accident only) |
25 000 EUR |
Loss of use of the shoulder or elbow (accident only) |
12 500 EUR |
Loss of hip, wrist, knee or ankle use (accident only) |
7 500 EUR |
Loss of use of the entire lower jaw (accident only) |
11 250 EUR |
Loss of kidney use (accident only) |
7 500 EUR |
Total Temporary Disability Resulting from Personal Injury Resulting from Accident |
75% of the average Insured Person's Daily Gross Income (received from the Subscriber) or 50 EUR (the lower of the two) for a maximum period of 30 days from the end of the Waiting Period. If the Insured Person has entered into a contract with the Underwriter of the Collective Policy for less than 60 days on the date of Personal Injury, the amount of EUR 25 per day will be payable with a maximum amount of EUR 150 (max 6 days) from the end of the Waiting Period. If the Insured Person is a Substitute on the date of Personal Injury, the amount of 25 euros will then be payable within the limit of 6 days from the end of the Waiting Period. Waiting Time: 7 days (payment starts from the 8th day) |
Non-accumulation of benefits between benefits in the event of death and any
benefit in the event of permanent disability of loss of use:
If the Insured Person has already received, for the insured event, a permanent
total incapacity benefit or loss of permanent use, the death benefit will be
paid after deduction of the benefits already received.
How Our Insurer Will Pay the Insured Person:
The benefit is paid as a lump sum and will be paid as follows:
- Accidental Death and Permanent and Temporary Incapacity
If, during the Cover Period, an Insured Person is involved in an Accident that
results in the death as a direct result of the Accident within 12 months from
the date of the Accident, Our Insurer will pay the lump sum as indicated in the
table of benefits.
-
Any Accidental Death benefit will be paid to the Insured Person's
beneficiaries as soon as possible after the date of the death declaration or
upon receipt of the required documents.
-
If an Insured Person is reported missing, and his body is not found within 12
months of his disappearance and after review of all available evidence, there
is reason to believe that he died as a result of Personal Injury, Our Insurer
will pay benefits related to Accidental Death under this Collective Policy. If
the Insured Person is found alive after Our Insurer has made such payment, the
amount paid will be returned to Our Insurer.
-
In the event of a valid claim in the event of an Accidental Death payable
under this Collective Policy, Our Insurer will pay to the Beneficiaries of the
Insured Person an additional lump sum for funeral expenses in the amount
indicated in the table of benefits.
B. Permanent total incapacity and loss of use
If, during the Cover Period, an Insured Person is involved in an Accident and
Bodily Injury that results in a Total Permanent Disability within 12 months of
the date of the Accident, Our Insurer will pay the Insured Person the amount as
set out in the Table of Benefits, after a Physician designated by Our Insurer
will have analyzed and accepted the decision of the Physician designated by the
Insured Person.
The services indicated correspond to 100% of the amount of the loss. If an
Insured Person has an accident and suffers only a partial loss, only a
percentage of the total amount will be paid.
No indemnity will be granted for any Pre-existing Condition or pre-existing
partial disability of the Insured Person prior to the Accident Covered. If
members or organs were already partially deficient before the Accident,
compensation will be based on the difference in the condition of the limb or
organ before and after the Accident Covered.
C. Total Temporary Incapacity Resulting from Personal Injury Due to
Accident
Our Insurer will pay, subject to the Waiting Period, the Total Temporary
Incapacity Benefit indicated in the Table of Benefits to the Insured Person for
a period not exceeding thirty days in total from the end of the Waiting Period.
When it seems appropriate or in case of doubt, Our Insurer may appoint a
Physician to analyze and accept the decision of the Physician designated by the
Insured Person.
Daily Gross Income is calculated based on 60 days prior to Personal Injury.
The Total Temporary Incapacity benefit from Personal Injury will be paid until
the Insured Person is medically fit to return to work. It will be paid up to a
maximum of 30 days in total resulting from the same Accident, but not
necessarily consecutive.
2.2.3 In the event of a dispute over the medico-legal conclusions,
particularly on the determination of the disability rate:
In case of litigation, contradictory expertise may be established between the
medical adviser of the Insured Person and the medical adviser of Our Insurer.
Each party will retain the fees of its medical adviser.
If consensus is impossible and before any legal proceeding, if the Parties
agree, an arbitration may be conducted to determine the disability rate. This
arbitrator will be chosen by the Insured Person from a list composed of three
medical advisers proposed by the Insurer. Each of the parties will bear half the
fees of the expert third party. In the event that the expert third party agrees
with the conclusions of the one chosen by the Insured Person, the Insurer bears
all the fees of these experts.
The indemnity due, after deduction of all the benefits paid by social
organizations and third-party payers as defined above, may not exceed the
guarantee ceiling provided for in the schedule of cover of the Special
Conditions.
Warning
In case of damage to the head no compensation will be paid if the Insured
Person was not wearing any helmet at the time of the accident.
What is not covered
Never guaranteed:
-
Damages caused by the Person Assured intentionally,
-
Damages suffered by a person other than the Insured Person mentioned above
-
Aggravating a pre-existing infirmity due to the negligence of the driver in
his medical treatment,
-
When it is different from the designated driver,
-
Where the driver is a NIEV mechanic, broker, salesman or repairer, and who
practices the control of the functioning of the insured NIEV, as well as their
agents during the repairs, towing, repairs, controls or sale of the insured
NIEV,
-
Damage occurring during taxi, or skate park with an NIEV,
-
Damage occurring during events, races, competitions or their tests, subject to
the regulations in force prior authorization from the public authorities
(Article R * 211-11 Code of Insurance).
-
Any person participating in any of these events, races, competitions or tests
as a competitor or organizer shall be deemed to have satisfied the
requirements of this article only if his liability is guaranteed by insurance,
under the conditions required by applicable regulations
-
The insured person is not exempt from compulsory insurance under the sanctions
provided for in articles L211-26 and L211-27 of the French Insurance Code
(R211-12 Code des assurances).
-
In an accident whose origin is a heart attack or epilepsy,
-
Aggravated by the non-respect of the safety conditions required by the Highway
Code,
-
Being at the time of the accident under the influence of an alcoholic state
higher than the rate envisaged in articles L. 234-1 and R. 234-1 of the
Highway Code, or under the influence of narcotics not prescribed medically or
medicines that are incompatible with the conduct of an NIEV, or if the driver
has refused to submit to an alcohol or drug test.
-
Any damage resulting from defective NIEV;
-
Any damage to the malfunction or breakdown of any NIEV
Refer also to the exclusions common to all warranties set out in section 2.3
below.
2.3 Common Exclusions to all the guarantees
What your contract does not guarantee:
Whatever guarantees are chosen, in accordance with the law or because of the
nature of the events concerned, are never guaranteed:
-
damage caused by a person other than the Insured Person mentioned above,
-
damages resulting from an intentional act on the part of the Subscriber or
that of the Insured Person (subject to the provisions of Article L. 121-2 of
the Insurance Code, for the guarantee of civil liability),
-
damage resulting from the dangerous driving * of the insured NIEV (Article
R.413 - 17 of the Highway Code),
-
damage to goods transported by the insured NIEV,
-
the damage caused to the objects transported *,
-
fines and related fees,
-
the intentional or fraudulent fault of the Insured Person,
-
damage caused by civil or foreign war,
-
damage in a duel, wrestling, wild race, bet or fight involving the insured
NIEV or the insured,
-
the damage suffered by persons transported,
-
damage caused or aggravated by the transport by the insured NIEV of flammable,
explosive, corrosive or oxidizing materials. Explosions * caused by dynamite
or another similar explosive carried in the insured NIEV *,
-
the damage caused by the insured NIEV when carrying sources of ionizing
radiation intended to be used outside a nuclear installation, as soon as the
said sources would have caused or aggravated the loss,
-
the damage sustained by the insured NIEV * or the Insured Person * when, at
the time of the Loss, it is found with a blood alcohol level higher than the
rate provided for by French law or under the influence of non-medically
prescribed narcotics or medicinal products incompatible with the conduct of an
NIEV, or if it has refused to submit to an alcohol or drug test,
-
damage or aggravation of damage caused by weapons or devices intended to
explode by alteration of the structure of the nucleus of the atom or by any
nuclear fuel, radioactive product or waste, or any other source of ionizing
radiation, and which incur the sole responsibility of a nuclear facility
operator,
-
damage or aggravation of damage caused by asbestos and its derivatives,
-
NIEV used for the public transport of goods, materials or passengers,
-
NIEV used for the transport of collectibles,
-
damage that occurred while using the NIEV insured on a circuit or skate park,
-
damage in the course of events, races, competitions or their tests, subject to
prior authorization by the public authorities,
-
any person participating in any of these events, races, competitions or tests
as a competitor or organizer shall be deemed to have satisfied the
requirements of this article only if his liability is guaranteed by insurance,
under the conditions required by applicable regulations.
3. How to declare a claim?
The Insured Person must, as soon as possible and in any case within 8 days, give
notice of the occurrence of the incident to Our Insurer.
By contacting by email at the following address: ridedott@broadspire.eu ;
Or by phone at the following number: + 32 (0) 2 714 03 88.
To declare a claim, the Insured Person shall promptly provide the Broker with
all documents that will enable Our Insurer to establish the circumstances and
determine the extent of the damage.
Our Insurer reserves the right to verify the statements made to it and the
answers provided to its requests.
The Insured Person must ensure the following points when declaring a claim:
-
Provide a piece of identification (ID)
-
Provide Our Insurer with evidence, assistance and cooperation to establish the
circumstances of the damage, and assist in obtaining witness statements or
other relevant material (including traceability data at the time of the
damage);
-
Send to Our Insurer any claim, quotation or summons upon receipt, and in any
case within 48 hours of service, notice or remittance, on pain of negligence,
damages and interest for damages suffered ;
-
Inform Our Insurer in writing of any upcoming investigation for prosecution or
any investigation for fatal accident as soon as the Insured Person becomes
aware of it.
4. Complaints
The purpose of DOTT as well as that of Our Insurer is to provide you with top
quality service at all times, although we understand that there are
circumstances in which you may find it helpful to file a claim.
Please follow the procedure below if you wish to file a claim. Any complaint
must be addressed in the first place to:
Zego
25, Luke Street
Techspace Shoreditch
London
compliance@zego.com
Zego will acknowledge receipt of the claim in writing as soon as possible and
will provide you with its decision on the claim in writing within 8 weeks of
receipt of the claim.
If you are still not satisfied with the aforementioned final response or if you
or the Insured Person have not received a final response within eight weeks of
receipt of the claim, you or the Insured Person can submit your claim. to
Ombudsman des Assurances. Here are its coordinates :
Ombudsman Des Assurances
Square de Meeûs 35
1000 Brussels
Belgium
Phone: + 32.2.547.58.71
Fax: +32.2.547.59.75
Email: info@ombudsman.as
Website: www.ombudsman.as
The aforementioned complaint handling provisions do not prejudice Your right to
take legal action.
5. Data Privacy
Our partners undertake, in their capacity as controller, to process only the
personal data ("Personal Data") that You provide under this Collective Policy in
accordance with the privacy regulations in force. and in particular in
accordance with Regulation (EU) No 2016/679 of 27 April 2016 on the protection
of individuals with regard to the processing of personal data and on the free
movement of such data, and repealing Directive 95/46 / EC ("RGPD").
The purpose of the collection and processing of Personal Data is the
administration of this Collective Policy and the processing of any Claim, and
this under the law, insurance policies and any other applicable text to the
settlement of your file ("Purpose"). The legal basis of the processing of your
Personal Data is (i) the execution of the contract (the Collective Policy) (ii)
the respect of a legal provision, or (iii) the safeguarding of their legitimate
interests in order to be able to ensure their defense in case of action in
responsibility.
They may transmit Your Personal Data to other parties acting on their behalf for
these activities both inside and outside the European Economic Area ("EEA").
They may also share Your Personal Information with other insurers, regulators,
fraud prevention agencies or other parties, as permitted or required by law.
Data protection laws outside the EEA may not be as extensive as those in the
EEA, and they will take sufficient and adequate measures to ensure that Your
Personal Data is always protected according to EEA standards.
They will take reasonable steps to ensure that Your Personal Data held is
accurate and only used or retained as necessary for the fulfillment of the
Purpose and as long as required by law.
You have the right to access, correct, delete, restrict, oppose the processing
of Your Personal Data or exercise the right to portability of data about you,
which they hold on You, within the limits provided by the RGDP. You can exercise
the rights mentioned above by sending a written request to
dpo@la-parisienne.fr.
In general, any questions relating to the processing of your Personal Data
should be addressed to the Data Protection Officer ("DPO"). The details of the
DPD are dpo@la-parisienne.fr and / or compliance@zego.com.
In the event of claims relating to the processing of Your Personal Data, these
can be submitted to the Data Protection Authority:
Rue de la Presse, 35, 1000 Brussels
Phone: +32 (0)2 274 48 00
Fax: +32 (0)2 274 48 35
Email: contact@apd-gba.be
You can find more information about La Parisienne Assurance's privacy policy in
la-parisienne.com/privacy-policy.
6. Glossary
Accident / Accidental: Any unintentional event, unforeseen and external to the
victim or the insured vehicle, constituting the cause of bodily injury, material
or immaterial within the meaning of Article R. 211-5 of the Insurance Code.
Pre-existing condition: Refers to any condition, injury, pathology, disease or
condition related to it and / or any related symptoms, diagnosed or not, of
which the Insured Person suffers before the beginning of this insurance and:
-
is known or reasonably expected to be known to the Insured Person; or
-
the Insured Person saw, or made sure to see, a Physician.
This does not include Pre-existing Conditions for which Insured Persons have not
had treatment or symptoms for at least 12 months.
Waiting period: Period during which no benefit will be granted, the Insured
Person does not benefit from insurance cover
Bodily injury: Any bodily injury suffered by a natural person.
Property damage: Any destruction, deterioration, loss of a thing or damage to an
animal.
Franchise: Part of the expenses that, in any case, remains the responsibility of
the Insured Person.
Total Permanent Disability: Refers to a permanent, total and irreversible
disability that totally prevents an Insured Person from practicing any
Profession for which it is fit through training or experience and which, in all
likelihood, will continue to at the end of his physical life, as determined by a
Physician.
Geographical limits: Territory of the French Republic, with the exception of
Overseas Regions and Overseas Communities, as well as Monaco.
Physician: Refers to a qualified physician who is registered with local
authorities and licensed to practice medicine in the country of coverage. He can
not be the Insured Person, any person related to the Insured Person or any
person living with the Insured Person.
NIEV : The vehicle designated in the Special Conditions and complying with the
conditions stipulated in paragraph 2.
Insured person: the person designated in point 1.
Coverage Period: The period during which the Insured Person benefits from the
guarantees of this Group Policy. It runs from the connection to the Subscriber's
Mobile App until it is disconnected.
Collective Policy: refers to the Group Insurance Policy Coverage in General
Civil Liability subscribed by the Subscriber.
Loss: Damage event that may be covered under the policy. All consequential
damage to the same fact is considered one and the same.
Subscriber: the legal person thus designated in the Special Conditions.
Third parties: Anyone other than the Subscriber and the Insured Persons.