Risk 2: You injure someone in your fall or damage equipment
Thomas is a fan of soft mobility. In the city, he only uses a scooter to get to his office at the Cloche d'Or shopping centre and for leisure activities at the weekend.
One day, he was riding along on the Place de la Gare in Luxembourg City when he collided with a pedestrian who was visiting the Grand Duchy.
“Sharing space in this kind of pedestrian zone can be dangerous,” Thomas points out. "You can't anticipate the direction of the walkers who are quite erratic in their movements. When I saw this man on the ground, I was in shock. I realised how vulnerable pedestrians are to a scooter that can travel at up to 25 km/h.”
Fortunately, the victim was more shaken than hurt. But the camera he was carrying on his shoulder was shattered.
Thomas's insurance company reimbursed the camera, worth €1,500, under the "Personal Liability" policy included in his home insurance.
The same cover would have allowed the victim to be compensated in the event of a more serious accident that left him partially disabled, for example.
Remember to check your cover carefully to make sure you are insured for personal liability.