Insurance summary

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.

Dott’s insurance policies vary based on the country you are riding in. To better understand what coverage you can get and where, be sure to read the summary of insurance for the country you are riding in.

This is intended as a summary of your insurance coverage, to highlight the cover and limits provided, the key conditions you must follow and the key situations when a claim may not be paid. We have tried to identify the important points we think you need to be aware of. This is not a complete list.

SUMMARY OF INSURANCE COVERAGE FOR E-BIKES AND E-SCOOTERS IN SPAIN

What is covered by Dott insurance?

For the duration of the vehicle rental, you benefit from the insurance underwritten by Dott, which covers:

  • your liability to third parties for physical injury or damage to their property resulting from an accident while using a vehicle; and
  • your serious injury (partial or total permanent disability) or death resulting from an accident while using a vehicle,

in any case subject to the applicable insured amounts, the eligibility criteria and the exclusions set out below. The cost of insurance is automatically integrated into the cost of renting the electric vehicle rental.

Who is insured?

All riders:

  • having a valid identity document within the EEA, UK or Switzerland; or a passport;
  • who are registered and authorized to use Dott’s services; and
  • who have entered into, and complied with, an individual rental agreement with Dott;


are covered by Dott’s insurance.

When does the insurance coverage start / end?

The insurance coverage begins with the conclusion of the individual rental agreement, i.e. with the completion of the vehicle unlocking process via the app, and ends with the parking of the vehicle and the locking of the vehicle via the app.

What is the maximum insurance coverage?

E-bike

Damages covered Maximum sum insured
Death € 25,000
Permanent partial disability € 25,000 (no compensation will be paid if the degree of disability is 15% or less)
Permanent total disability € 25,000
Damage to Third Party Property € 1,500,000
Third Party Bodily Injury € 1,500,000
Legal Fees and recourse cover after a Claim € 13.500 VAT excluded

Deductibles per claim:

Threshold for criminal defense

700€ including VAT.

Recourse threshold: 305€

excluding VAT.

E-scooter

Damages covered Maximum sum insured
Death € 25,000
Permanent partial disability € 25,000 (no compensation will be paid if the degree of disability is 15% or less)
Permanent total disability € 25,000
Damage to Third Party Property € 1,500,000
Third Party Bodily Injury € 1,500,000
Legal Fees and recourse cover after a Claim € 13.500 VAT excluded

Deductibles per claim:

Threshold for criminal defense

700€ including VAT.

Recourse threshold: 305€

excluding VAT.

What is not insured?

Exclusions from the insurance cover:

  • Damage caused by a person other than the Insured Person.
  • Damage caused intentionally by the Policyholder or the Insured Person.
  • Damage resulting from dangerous driving of the insured Vehicle as defined in the Spanish Criminal Code. 
  • Damage that is the direct and exclusive consequence of poor maintenance, wear and tear on the insured Vehicle or caused by the vehicle’s accessories (which are not owned and/or provided by Dott). 
  • Damage to goods carried by the insured Vehicle. 
  • Damage to transported objects. 
  • Fines and related costs. 
  • Accidents caused by the Insured’s insanity, paralysis, or blindness.
  • Accident caused by epilepsy (unless it occurs for the very first time and the insured person had no knowledge, nor medical history of this condition).
  • Accidents resulting from the Insured’s suicide or attempted suicide.
  • Accident caused by intentional or reckless misconduct on the part of the user. 
  • Any consequence of war, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power) 
  • Damage caused in the course of a duel, wrestling match, wild race, bet or brawl in which the insured Vehicle or the insured person was taking part. 
  • Damage caused during the commercial transport of goods or persons, delivery, subletting or lending of the vehicle, whether for payment or free of charge.
  • Damage to persons being transported. 
  • Damage caused or aggravated by the transport by the insured vehicle of flammable, explosive, corrosive or oxidising substances. Explosions caused by dynamite or other similar explosives carried in the insured vehicle. 
  • Damage caused by the insured Vehicle when it is transporting ionising radiation sources intended for use outside a nuclear facility, where these sources would have caused or aggravated the loss.
  • Any atomic nuclear reaction regardless of how and where the reaction originated.
  • Damage to the insured Vehicle or to the Insured Person if, at the time of the Claim, the Insured Person has a blood alcohol level in excess of the level stipulated by Spanish law, or is under the influence of narcotics not prescribed by a doctor or medication incompatible with driving a land motor vehicle, or if the Insured Person has refused to submit to a blood alcohol or narcotics test; 
  • Damage or aggravation of damage caused by weapons or devices intended to explode by modification of the structure of the nucleus of the atom or by any nuclear fuel, radioactive product or waste, or by any other source of ionising radiation, for which a nuclear installation operator is solely liable. 
  • Insured vehicles used for the public transport of goods, equipment or passengers. 
  • Vehicles used to transport collectors’ items. 
  • Damage caused when the insured Vehicle is used on a circuit or skateboard park. 
  • Damage caused in the course of events, races, competitions or their trials which are subject to prior authorisation by the public authorities under the regulations in force.
  • Any person taking part in one of these events, races, competitions or trials as a competitor or organizer shall not be deemed to have complied with the provisions of this article unless his liability is covered by insurance under the conditions required by the applicable regulations. 
  • Loss and damage, claims by third parties or expenses resulting directly or indirectly from the use or exploitation, with intent to cause damage, of any computer or computer equipment, computer program or software, computer virus, falsified code or data transmission, or any other electronic system are excluded. 
  • In addition to the exclusions provided elsewhere in this policy, damages, costs, penalties and fines of any kind resulting directly from:
    • transmission of contagious diseases; 
    • the transmission of a virus, bacteria, parasite, microorganisms or any other pathogen; 
    • pandemics or epidemics;
    • any judgment, regulation, law, decree, order or decision promulgated by any state, government, ministry or other lawful authority for the purpose of nullifying, reducing, limiting or mitigation the effects of the aforementioned transmission.
  • Notwithstanding anything to the contrary in this Agreement, this agreement excludes any loss, damage, liability, cost or expense of any kind arising directly or indirectly out of or in connection with: 
    • any business located, domiciled, established, incorporated, registered or established in an excluded territory; 
    • property or assets located in an excluded territory; 
    • Any claim, action suit or enforcement proceeding commenced or maintained in an excluded territory; or payment made in an excluded territory. This exclusion does not apply to insurance coverage or benefits that the Insurer is required to provide under the legislation or regulations applicable to it, but the provisions of any penalty clause shall prevail.
    • For the purpose of this exclusion, “excluded territory” means: 
      • the republic of Belarus; and 
      • the Russian federation; and 
      • Ukraine, including the Crimean Peninsula and the Donetsk and Luhansk region
  • Damage aggravating a pre-existing disability as a result of the driver’s negligence in his medical treatment.
  • When the victim is different from the designated driver.
  • When the driver is a garage owner, broker, seller or repairer of the Insurance vehicle, and they carry out checks to ensure that the insured Vehicle is in good working order, as well as their employees when repairing, towing, checking or selling the insured Vehicle.
  • Accident caused by heart attack.
  • Accident caused by epilepsy (unless it occurs for the very first time and the insured person had no knowledge, nor medical history of this condition).
  • Damage aggravated by failure to comply with the safety requirements of the applicable Road Traffic regulations and any other regulations applicable to the Vehicle circulation. 
  • All damage resulting from a defective insured Vehicle. 
  • All damage caused by the malfunction or breakdown of an insured Vehicle.
  • Any liability arising outside the Period of insurance.
  • Any liability arising from Theft of the Vehicle.
  • Liability arising from the loss of, or damage to, property belonging to the Insured Person.
  • Any liability to a person who is not a Third Party to this Policy (valid for Third Party Liability cover).
  • Buildings, things or animals belonging to, rented to or entrusted in any capacity whatsoever to the driver of the insured Vehicle. However, We guarantee the liability that the driver may incur as a result of fire or explosion damage caused to the building in which the insured Vehicle is parked.
  • Damage to the insured Vehicle.
  • Damage to the driver of the insured Vehicle (under Third Party Liability cover).
  • Losses suffered by employees or agents while on duty, when they are the victims of an Accident involving the insured Vehicle named in the declarations driven by the Insured, the policyholder or one of its agents or a person belonging to the policyholder and occurring on a road open to public traffic.
  • Civil liability incurred by motor vehicle repair, sales and inspection professionals in the performance of their duties, and by persons working in the operation of these businesses.

What do I do if I have an accident?

  • Never admit liability at the scene.
  • Once you are in a safe position, exchange contact details with everyone involved including witnesses, and take note of vehicle registration numbers involved.
  • If safe to do so, take pictures of the vehicles, registration numbers and any passengers, as well as the incident scene. If any party is injured, call the emergency services.
  • Report the damage event to the insurance company within 7 days (see contact details below) providing all available documents.

How can I claim coverage under the insurance?

If you have caused a personal injury or property damage while driving a vehicle and if you want to apply for insurance coverage as indicated above, you must report the harmful event within 7 days to the insurance company by sending an email to to Support@ridedott.com  or by contacting Dott via Dott’s chat available in the app.

I have made a claim, what else should I do?

  • Collaborate with Dott and the insurance company, in particular provide all necessary information for the claim handling as soon as possible.
  • Provide to the Insurance Company with evidence, assistance and cooperation in establishing the circumstances of the damage, and to help Us obtain witness statements or any other relevant documents (including traceability data at the time of the damage). 
  • Send all Claims, summonses or writs to the Insurance Company as soon as they are received, or as soon as possible. 
  • Inform the Insurance Company in writing of any forthcoming prosecution investigation or fatal Accident investigation as soon as the Insured person becomes aware of it. 
  • Do not provide any false or fraudulent information to the insurance company, nor make any claim under the policy knowing it to be false, fraudulently inflated, or supported by fraudulent documents or facts. The insurance company may deny your claim as a result.

Complaints

If you want to submit a complaint, you can fill this form (link) or contact directly the Insurance Company writing to the Insurer’s Customer Care Service (CCS) by post to the address of the registered office of Baloise Assurances Luxembourg S.A., Compliance Department, located at 8, rue du Château d’Eau à L – 3364 LEUDELANGE, or by e-mail to qualite@baloise.lu, or by using Our website: www.baloise.lu. Your complaint must indicate the number of Your contract, Your complaint and what You would like to obtain from Baloise. The Insurer will provide a reasoned reply within a maximum of one month (if the complainant is a consumer) or two months (in all other cases).

Interested parties may also lodge a complaint or claim with the Complaints Service of the Directorate General for Insurance and Pension Funds. To this end, they must prove that a period of one month (or two, as the case may be) has elapsed since the date of submission of the complaint or claim to the CCS without the same having been resolved, or when the complaint has been refused or rejected, in whole or in part. Likewise, the parties may submit their differences to arbitration in accordance with the provisions of Articles 57 and 58 of the consolidated text of the General Consumer and User Protection Act.

Data protection

Our partners may process your personal data where this is necessary to administer the policy and any claims.

All telephone calls, emails and any other written or electronic communications relating to insurance and claims can be monitored and recorded and the records used for fraud prevention and detection, training and quality control.

These purposes include, but are not limited to:

  • providing insurance estimate(s) or quotation(s) and/or arranging insurance cover;
  • checking against anti-fraud databases;
  • providing data to national databases where we’re required by law to do so;
  • handling and investigating claims and assisting in the claims’ authorisation process;
  • accounting and other management information purposes; and
  • for any other purpose required by law.

Your rights in relation to this data include:

  • the right to erasure of personal data, unless our partners have a lawful basis to continue processing;
  • the right to request that the correction of any inaccurate or incomplete information;
  • the right to request that any automated processing/decision making is reviewed by a person; and
  • the right to request, free of charge, details of the personal data that held about you.

Any questions regarding the information our partners hold about you should be directed to

Email: Dpo@datafolio.io

Post: 165 av. de Bretagne, 59000 Lille – France

For a complete copy of our partner’s privacy policy, please follow this link:

https://app.datafolio.com/politique-de-confidentialite

If you wish to contact someone else to talk about your personal data you can also contact Agencia Española de Protección de Datos. Their contact details are:

Address: C / Jorge Juan, 6 2800 Madrid, Spain;

Telephone number: +34 901 100 099 or +34 91 266 35 17; and

Website: https://www.aepd.es/es 

Glossary

Accident

A single, unexpected, unforeseen and unintentional (on the Insured’s side) event involving a Vehicle, occurring at an identifiable time and place, and resulting either in Bodily injury to the User and/or a Third party, or damage to property.

Bodily injury

Bodily harm suffered by an individual.

Permanent partial disablement

An injury which has a significant impact upon, but does not prevent entirely, the User carrying out any business or occupation and which is likely to last continuously for one year, and at the end of which period is without prospect of improvement.

Permanent total disablement

An injury which entirely prevents the User carrying out any business or occupation and which will last continuously for one year, and at the end of which period is without prospect of improvement.