The use of active modes of transport is rising sharply, but unfortunately so is the number of accidents. In 2024, nearly half of all work-related accidents occurring on the way to or from work involved a bike or scooter, whether electric or regular.
The higher speeds of e-bikes, along with the fact that infrastructure has in many cases not yet been adapted, increase the risk. If you have an accident while commuting, you are protected by mandatory work accident insurance, but bear in mind that this only covers physical injury.
Many employees (and employers) assume that everything is covered, but work accident insurance will not pay out for:
- Material damage to the often expensive bike or scooter.
- Civil liability: harm or damage caused to others.
- Theft of the vehicle.
- Roadside assistance.
When the vehicle is provided by the employer, the responsibility for covering these risks lies with the organisation.
Additional insurance is therefore essential, whether for employers or employees or for non-work travel.
The law on motorised devices has recently become stricter. Separate civil liability insurance (similar to car insurance) is mandatory for vehicles that:
- Can travel autonomously (without pedalling) at speeds exceeding 6 km/h.
- AND weigh more than 25 kg.
Examples include speed pedelecs, heavy e-scooters and certain mobility scooters. Exceptions apply to motorised wheelchairs for people with disabilities. It is crucial for both employers and employees to know the category in which their vehicle falls, in order to avoid heavy fines or a lack of cover.
A solid insurance portfolio acts as a safety net, but prevention is the first line of defence. A sustainable mobility policy goes beyond simply offering bicycle leases. You should also invest in:
- Safe infrastructure: Safe parking facilities and charging points.
- Training: Cycling proficiency sessions focusing on defensive riding and traffic awareness.
- Information: Tell your employees about what the law requires and the importance of wearing helmets or high-visibility vests.
Are the bikes at your company properly insured? And do your employees know what they are entitled to? We would be happy to help you assess the risks associated with active mobility and provide a comprehensive solution.
