Electric-bicycles and scooters: What’s the difference?
While electric bicycles (or “e-bikes”) and scooters both allow you to get around without the need to pedal, there are a number of things that set them apart. Here’s what you need to know from a regulatory and insurance standpoint.
Electric bicycles
Anyone age 14 or older can operate an e-bike, but a Class 6D licence is required for those under 18. Like conventional cyclists, e-bike riders are subject to the Highway Safety Code. Moreover, they are required to wear a helmet that complies with regulations and are not allowed on highways. These two-wheeled vehicles (also known as “electric-assist” bicycles) do not have to be registered.
Unique features
- Electric motor with a maximum power of 500 watts
- Maximum speed of about 30km/h
- Equipped with a device allowing rider to pedal when electric motor is not in use
- Rechargeable battery
- Manufacturer’s label specifying that it’s a power-assisted bike
- Safety device, such as the stop/start mechanism
- Additional rules to follow per the Highway Safety Code
The various types of electric bikes
Just like regular bikes, there are different sorts of e-bikes. Most e-bikes in Quebec are hybrid electric power-assisted bikes and electric power-assisted road bikes.
Hybrid electric power-assisted bikes are designed for city use.
They’re heavier and have wider tires and straight handlebars.
Electric power-assisted road bikes are great for long distances and tough climbs. They’re light and ergonomic with thinner tires and curved handlebars.
Scooters (also known as mopeds)
Anyone who wants to operate a scooter must hold a Class 6D driver’s licence. Teenagers can legally drive a moped starting at age 14, but parent permission is required. The Highway Safety Code provides stricter regulations for young people, including a ban on driving with a passenger under the age of 16 and zero tolerance for alcohol. Since scooters travel on public roads, it goes without saying that motorcycle helmets are mandatory and that protective clothing is highly recommended.
Unique features
- Gas motor with a maximum power of 50cc or an electric motor (not subject to power restrictions)
- Maximum speed of about 70km/h
- 17-character Transport Canada compliance label
- Automatic transmission
- Mandatory registration
Scooters, e-bikes: What’s covered by insurance?
Whether you’re riding a moped or an e-bike, any bodily injury you may suffer in a road accident involving a motorist is covered by SAAQ (Société de l’assurance automobile du Québec). However, for e-bikes SAAQ does not cover falls and collisions with a bicycle or parked car. Keep in mind that personal accident insurance generally covers policyholders in the event of an accident involving a moped or scooter with piston displacement of up to 125cc. It’s a good idea to find out whether you’re well covered in the event of a bicycle accident (whether conventional or electric).
Do you own an e-bike?
Your home insurance policy covers the theft of your frame as well as the cost of any possible legal proceedings that could be initiated by a person injured in an accident for which you were responsible.
Do you own a scooter?
You are not required by law to take out civil liability insurance, but this coverage is strongly recommended. It covers any material and physical damage that a road accident for which you are responsible could cause to others. By opting for extra protection, you can cover your scooter against vandalism, material damage, and theft. Give your insurer a call to see what your options are and get the right coverage for your vehicle.
What about electric scooters?
Quebecers have been allowed to ride electric scooters on public roads and bike paths under a pilot project since 2018. Like cyclists, scooter riders are required to comply with the Highway Safety Code. In addition, they have to wear a helmet.
What if you rent a motorcycle abroad?
Dreaming of renting a motorcycle on your next trip outside Quebec? Société de l’assurance automobile du Québec (SAAQ) covers bodily injuries you may suffer no matter where you are in the world. However, not all countries have the same regulations in the event of an accident, which is why it’s important to do business with a recognized company, be familiar with the laws in effect on the road, and take out travel insurance. Plus, getting an International Driving Permit from CAA-Quebec is also strongly recommended.