City riders are bicycles and electric rideables (e-scooters, self-balancing scooters) as well as ordinary scooters and skateboards.

The insurance applies if you use roads meant for travelling and follow the traffic laws. The accident has to occur during the use of the city rider.

The insurance does not apply:

• – If you take part in a sports competition or practice extreme sports.
• – If you were not the only person on the city rider at the time of the accident.
• – If the driver of the city rider was drunk while driving.

The insurance does not cover recurrent injuries or injuries due to an illness, nor does it cover accidents that happened before the insurance period.

The insurance helps to cover the damage you have caused to third parties while riding with a city rider. The insurance also covers damage caused to rented city riders. For liability insurance, the maximum sum insured depends on the package you have chosen.

Personal injury is damage caused by damage to health, bodily injury or death.

Property damage is damage caused by damage to or destruction of a thing. Damage caused to a rented city rider is also considered property damage.

If you choose a package that includes accident insurance, then insurance is valid if you injure yourself while riding a city rider. It also covers children up to 2 year of age riding in the child bike seat with their parents.

If you suffer a temporary injury as a result of an accident and the treatment lasts for at least six consecutive calendar days, the insurance will pay an indemnity for pain and suffering. The duration of the treatment has to be confirmed by the treating physician. An indemnity payment is a one-time compensation payment, calculated as a certain percentage of the sum insured. The amount of the indemnity is determined as per the ‘Indemnity chart’.

If you have chosen the package ‘I care about others and look after myself’ and should need health care services which are not reimbursed by the Estonian Health Insurance Fund to recover from an injury after an accident, the insurance will pay up to 1,000 € to cover medical expenses.

If the insured person does not have the mandatory Estonian health insurance, the indemnity is calculated in a similar way as for a person covered by the mandatory health insurance. Costs covered include emergency examinations and treatment, treatment of dental injuries resulting from the accident, physiotherapy, massage and rehabilitation, purchase of aiding medical equipment.

• – the insured person must only ride in places prescribed by law;
• – the insured person must not exceed the maximum legal speed;
• – if the insured person is under 16 years of age, they must wear a properly fastened helmet;
• – the insured person must not transport objects which obstruct driving or pose a risk to other road users;
• – the insured person must not carry a passenger if the passenger is not seated in the passenger seat or if the vehicle is not designed for carrying passengers (e.g. electric rideables are designed to carry one person);
• – the insured person must obey traffic rules.

If you get into an accident and someone gets hurt, call 112 for help.

If the accident has damaged someone’s property (including a vehicle) and the involved parties disagree about liability or if it is not known who suffered the damage (e.g. the owner of the damaged property is not at the scene of the accident), the police must be informed of the accident and you have to follow the instructions given by the police.

If possible, take pictures of the scene, the damage and the documents of the involved persons. If other persons were involved in the accident, write down the circumstances of the event and the contact details of the persons at the scene. 

Remember to ask for a medical history when you go to the doctor and keep copies of bills and other receipts when you pay for treatment.

If you have caused damage to a third party, the person who has suffered the damage must submit a written claim for damages together with documents proving the amount of the damage.

File an insurance claim as soon as possible at www.cachet.me and attach all relevant documents (photos, agreements drawn up at the scene, all expense receipts, a written claim for damages by the party suffering damages, a medical history/epicrisis in case of personal injury, etc.).