Fatbikes and financial risks in accidents
Fatbikes, with their wide tires, are becoming increasingly popular. But like electric scooters, they can be dangerous in traffic, especially for young users. The financial consequences of a fatbike accident can be significant. What exactly about liability?
What is a Fatbike?
Fatbikes have wide tires ranging from 3.8 to 5 inches, providing extra stability on rough terrain. However, these larger tires make the bike heavier and harder to handle, increasing the risk of accidents.
Damages and liability
Insurance and souped-up fatbikes
The risk of accidents is higher with fatbikes, especially souped-up versions. Insurance companies usually do not cover damage caused by souped-up vehicles. Therefore, it is crucial to follow the rules to stay insured.
Who is liable?
Children up to 14 years of age
Parents are always responsible for damages caused by their children.
Children ages 14 and 15
In principle, this group is itself liable, but parents can be held responsible if the damage could have been prevented.
Children 16 years and older
Young people are fully responsible for the damage they cause, but often do not have the financial resources to pay for it, which ultimately falls on parents.
Coverage by an AVP
An AVP can cover the cost of damage caused to others with a fatbike. This can include medical expenses, repairs or replacement cost of damaged property. Always check the policy terms, as damage to your own fatbike is not covered.
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