With the increased prevalence of personal mobility devices (PMDs) and cyclists on pavements, roads and public pathways, there is a need to make it mandatory for these users to purchase insurance.
It could be modelled after the insurance scheme for cars and motor vehicles, which mandates a minimum third-party coverage.
There should be a no-claim discount incorporated as well, to encourage responsible and measured usage of such devices, and reward safe and responsible owners.
Users who have been found to be involved in multiple accidents or claims could be penalised or even refused coverage.
This framework will protect the interest of all stakeholders - pedestrians, road users and the owners and users of PMDs and bicycles - and promote more responsible use of the devices.
Joel Pang Zhen Hong