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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:
Any Accidental Bodily Damage caused to a Third Party;
Any Accidental Damage to a Third Party's Material Property that results from the use of the NIEV during the Coverage Period.
|Description of the Guarantee||Insured value||Franchise|
|Bodily harm||5.000.000 EUR||No Franchise|
|Accidental property damage||5.000.000 EUR||No Franchise|
What is not covered
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.
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.
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
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: firstname.lastname@example.org ;
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.
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:
25, Luke Street
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
Phone: + 32.2.547.58.71
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 email@example.com.
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 firstname.lastname@example.org and / or email@example.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
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.