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 that you are riding in. To better understand what coverage you can enjoy and where, please ensure that you read the Insurance Summary for the country you’re 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 IN THE UK

What is covered by Dott’s insurance?

For the duration of the rental of the vehicle, you benefit from the insurance subscribed to by Dott, covering:

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

in each case subject to the applicable sums insured, the eligibility criteria and exclusions as set out below. The cost of insurance is automatically integrated into the cost of renting the electric scooter.

Who is insured?

All drivers:

  • having a valid identity document within the EEA or a passport;
  • who are registered and authorised 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 cover begin / end?

The insurance coverage begins with the conclusion of the individual rental agreement, i.e. with 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-bikes

Damages covered Maximum Sum Insured
Death £45,000
Permanent Partial Disablement £45,000
Permanent Total Disablement £45,000
Third Party Property Damage £1,000,000
Third Party Bodily Injury £1,000,000

E-scooter

Damages covered Maximum Sum Insured
Death £45,000
Permanent Partial Disablement £45,000
Permanent Total Disablement £45,000
Third Party Property Damage £10,000,000
Third Party Bodily Injury Unlimited


What is not insured?

No insurance cover exists for:

  • A vehicle being used by anyone other than the user or being used to carry anyone in addition to the user.
  • Any loss, damage or liability arising where the vehicle is being used for anything other than the intended use.
  • Any loss or damage where the vehicle is being used outside the territory as stated in this summary.
  • A vehicle being used in an unsafe or un-roadworthy condition.
  • An event where there is another insurance policy in place which covers the same or similar risk(s).
  • Any loss or damage to the vehicle itself.
  • Any loss or damage to property which belongs to you or any user, or is in the care, custody or control of anyone insured under this policy.
  • Any loss or damage resulting from fines and/or penalties.
  • Any loss or damage arising from an accident which was caused or contributed to by a user’s reckless act.
  • Any loss or damage arising from an accident where the user is under the influence of drugs or hallucinogens.
  • Any loss or damage arising from an accident whilst any vehicle is being used to carry hazardous goods or to otherwise carry goods in a way likely to affect its safe riding and control.
  • The user’s death or bodily injury where it is attributable to illness or disease, unless the direct result of an accident.
  • Any head injury suffered by a user where they are not wearing a helmet at the time of the accident will be capped at GBP 25,000.
  • Any medical expenses, including but not limited to the costs of private treatment, experts opinions, and any future costs of care.
  • A gradual loss of use or function which is not the direct result of an accident.
  • Any use in or on an aerodrome, airport, airfield or military base

 

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 one week (see contact details below).

 

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 claim coverage under the insurance as set out above, you must report the damage event within one week to the insurance company by sending an email to zegoclaims@carpentersgroup.co.uk or alternatively by telephone on +44 330 016 6986.

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.
  • Tell the insurance company straight away if:
    • you receive any communication about the accident or any costs that have been incurred;
    • if the police, law enforcement agency or other governmental body carries out an investigation relating to the accident;
    • if you, or any other third party involved in the accident is to be prosecuted as a result of the accident, or
    • if there is to be an inquest following a fatal accident.
  • 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 are not satisfied with the way our insurer has handled your complaint, you can contact Zego at: support.fleet@zego.com

If you remain unhappy at the way your complaint has been treated, you can also file a complaint with

the Financial Services and Pensions Ombudsman at:

Financial Ombudsman Service

Exchange Tower

Harbour Exchange

London

E14 9SR

0800 023 4567

www.financial-ombudsman.org.uk

complaint.info@financial-ombudsman.org.uk

 

Data Protection

Our partners may process personal data about you where it is required in order to administer the policy and any claims.

All phone calls, emails and any other written or electronic communications relating to applications for insurance and claims may be monitored and recorded and the recordings used for fraud prevention and detection, training and quality control purposes.

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 that our partners hold about you should be addressed to

Email: compliance@zego.com; OR

Post: 5th floor, FORA Shoreditch, 21-33 Great Eastern St, Hackney, London EC2A 3E

For a full copy of our partner’s privacy policy follow this link:

www.zego.com/privacy

Glossary

accident

A single, unexpected, unforeseen and unintentional 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

An identifiable physical injury (including illness solely and directly resulting from the injury but not including any other illness, sickness, disease or naturally occurring condition).

 

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.