Insurance Terms

This is a theft insurance contract issued and underwritten by Loco Scooters Ltd for the insured electric scooter. It does not cover loss or damage to a person or third party.

Price and policy length

Price: €79 per policy.
Policy length: 12 months from the date of purchase, covering one scooter.

Cover

Only the original purchaser is covered. Selling or disposing of the scooter ends the policy.
A replacement scooter is not covered and must be insured separately.
After a theft, the scooter is replaced like-for-like if you report it within 24 hours and provide a Garda Incident Report or statement within 7 days.
Excess: 10% of the current full retail value (not a sale price) or €100, whichever is greater.
You have a 14-day cooling-off period to cancel by email. If you do not sign the terms within 14 days of purchase, you are deemed to have accepted them.

Exclusions

Fraudulent or intentional acts by the insured.
Theft while used for commercial purposes.
Theft from a motor vehicle, unless it has an operational alarm, is locked, and the scooter is in the boot completely out of sight.
Theft from the home, unless the scooter was inside and door locks and alarms were operational.
Theft from a workplace, unless secured to an immovable object with an approved lock.
Theft by a person entrusted with the scooter, other than immediate family, with your consent.
Theft from a garage, balcony, garden, shed, underground car park or communal hallway, unless locked to an immovable object through the frame (any shed must be securely locked).
Theft away from home, unless locked to an immovable object through the frame.

An approved lock is a reinforced steel U or D lock.

Making a claim

Email locoscooter@outlook.com to request a claim form.
Report the theft within 24 hours.
Send the Garda Incident Report or statement within 7 days.
Expect a decision within 7 business days of receiving it.

Phone: +353 1 524 2062.

Summary of the terms published on locoscooters.ie. Check the original for exact legal wording.