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.