PMV Insurance - Personal Mobility | Occident

Personal Mobility

Means of transport included in our PMV insurance

Ownership of entities contractually leasing a vehicle without a chauffeur for an agreed amount of money. Leasing is not included.

Shared or owned scooters, bicycles, hoverboards, segways, unicycles, regardless of whether they have an electric motor or not.

Any collective transportation.

Taxi services and services of companies offering vehicles for hire (VFH).

A person on foot as a road user.

How this insurance protects your mobility

We will give you an explanation of all the coverage and services of your policy by taking you on a virtual tour of the various types of mobility you can use to get around.

Pedestrian

Own vehicle

Rental and sharing vehicles

Public transport, VFH and taxi

What personal mobility insurance covers

Bodily harm suffered by the insured party as a driver.

Civil liability attributable to the insured party as driver of vehicles not subject to compulsory traffic insurance.

External and internal damage to the vehicle up to the amount stated in the policy.

Compensation in the case of forced removal of the vehicle up to the established amount.

Vehicle fire up to the stipulated amount, including accessories and belongings.

In the event of the rental or sharing of vehicles or PMVs, the towing expenses charged to the insured party as a result of a claim or breakdown are covered.

In the event of rental or sharing of vehicles or PMVs, other possible expenses attributable to the insured party as a result of a claim are also covered, such as, for instance, the excess for damage to the vehicle.

In the event of an accident or breakdown of the means of transport being used, payment of the taxi/VFH service to reach the destination.

Table comparing PMV insurance coverage according to the vehicle used

	Rent and sharing	PMV owned	PMV shared	Public transport, taxi VFH	Pedestrian
Personal damage to driver/user	ok	ok	ok	ok	ok
Civil liability of the driver	-	ok	ok	-	-
Personal civil liability	ok	ok	ok	ok	ok
Damage to vehicle	Included*	ok	Included*	-	-
Vehicle theft and burglary	Included*	ok	Included*	-	-
Roadside assistance	Included*	-	Included*	-	-
Reimbursement of amounts claimed by rental companies	Included*	-	Included*	-	Included*
Complementary transportation service	ok	ok	ok	ok	-

FAQs

They are regarded as a complementary product for the user, they will not be duplicated with the insurance coverages of the mobility providers themselves, and in the event of partial overlapping, they will be treated as an extension of these coverages.

It is a packaged product enabling you to choose between two types of offer depending on whether or not there is ownership of the personal mobility vehicle (PMV).

It does not cover compulsory insurance coverage, nor does it cover workers in the course of their work (delivery drivers, etc.).

Yes, you can insure more than one personally owned personal mobility vehicle in the same policy, and it does not affect the price.

Rental or sharing vehicles and personal mobility vehicles (owned or not) such as: scooters, bicycles, hoverboards, segways and unicycles, regardless of whether they have an electric motor or not.

In Spain, it is not compulsory to have PMV insurance. However, it is highly recommended. Furthermore, in some municipalities it is compulsory to have, for instance, an electric scooter insurance policy. These include Madrid, Pozuelo de Alarcón, Benidorm, Barcelona, Valencia, Mahón and Córdoba.

FAQs

Personal Mobility

Choose your personal mobility insurance

Insurance for bicycles

Insurance for electric scooter

Means of transport included in our PMV insurance

Rental and sharing vehicles

Personal mobility vehicles, whether shared or owned

Public transport

Taxi and/or VFH

Pedestrian

How this insurance protects your mobility

Pedestrian

Own vehicle

Rental and sharing vehicles

Public transport, VFH and taxi

What personal mobility insurance covers

Personal damage to the driver/user

Civil liability

Damage to vehicle

Theft

Vehicle fire

Towing costs

Reimbursement of amounts claimed by rental companies

Complementary transportation service

Table comparing PMV insurance coverage according to the vehicle used

Rent and sharing

PMV owned

PMV shared

Public transport, taxi VFH

Pedestrian

FAQs

What happens with the insurance coverage provided by rental companies?

What is the level of personalisation of this insurance?

What is not covered under this insurance?

Can I insure more than one personally owned personal mobility vehicle in one insurance policy?

What kind of vehicles does this insurance cover?

Is it compulsory to have PMV insurance?

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