Bicycle Third Party Liability / EPIO
(Light Personal Electric Vehicles)

The BICYCLE / LPMV LIABILITY program is an insurance product that covers the Civil Liability of a bicycle / LPMV towards third parties.

Clarification:

A bicycle (Article 2 of the Greek Road Traffic Code) is defined as a vehicle with at least two wheels that is propelled by the muscular power of the person or persons riding it and may be assisted by an auxiliary electric motor with a maximum continuous rated power of 0.25 kW. The power of the motor is progressively reduced and ultimately cut off when the vehicle reaches a speed of 25 km/h or earlier if the rider stops pedalling.

Light Personal Mobility Vehicles (LPMVs) are vehicles powered by an electric motor that do not fall under the provisions of the Road Traffic Code. They include electric scooters, self-balancing scooters (hoverboards), and skateboards.

LPMVs are categorised according to their maximum design speed as follows:

vehicles with a maximum speed of 6 km/h: these are considered pedestrians and may move freely in areas designated for pedestrian traffic;
vehicles with a maximum speed of more than 6 km/h and up to 25 km/h: these are considered bicycles and are permitted to circulate on roads and in areas referred to in Article 1 of Law 2696/1999 (Government Gazette 57/A), “Ratification of the Road Traffic Code (RTC),” where bicycles are permitted to circulate;
vehicles with a maximum speed exceeding 25 km/h.

COVERAGES – LIMITS:

Bodily Injury and/or Death and/or Property Damage to Third Parties, per Occurrence: €50,000
Bodily Injury and/or Death and/or Property Damage to Third Parties, in Total: €50,000
Legal Protection: € 5,000

Deductible: €250 per occurrence

The program covers the insured’s statutory Civil Liability, as well as the liability of any additional persons authorised to drive the bicycle / LPMV, in accordance with Articles 914–932 of the Civil Code, for damages (bodily injury / death / or property damage) that may be caused to third parties, including non-pecuniary damage and mental suffering, arising during the period of validity of the insurance coverage.

CONDITIONS:

A prerequisite for the insurance coverage is the provision of the frame number and a copy of the invoice / proof of purchase.
Use by different drivers other than the insured is covered, provided that this is declared at the time the policy is concluded and an additional premium is paid.