Ok, thought I had better post this:
https://www.voiscooters.com/home
This was the first of the four-odd companies to put in some sort of scooter hire in Stockholm. They still get a lot of custom despite Lime, Glyde and that new one coming into the city.
Anyway, they have a rules section:
VOI Club Rules.
Follow the VOI Club rules so everyone can have a pleasant and safe day. Be street smart, sweetheart.
Show respect.
Care for pedestrians and other people.
No sidewalks.
Ride in bike lanes or close to the side curb.
No passengers.
Only one rider per scooter is allowed.
VOI-law-blue-small.png
Obey the law.
Follow traffic rules and use caution.
Use a helmet.
Always protect your head with a helmet when riding.
Love your scooter.
Treat your scooter with love and care.
I do not go a day without seeing every single one of those broken, so they are useless, despite the good intentions.
The one thing that the website does make clear is this:
Am I insured using VOI or do I need my own insurance?
In Sweden, the VOI scooter is classified as a bicycle, meaning the vehicle does not have any Motor Third Party Insurance (Swedish: Trafikförsäkring). As a user, if you were to cause yourself any damage while riding the VOI, this should be covered by your own insurance. Please contact your insurance company to check what your insurance policy covers.
So the insurance should be there. Unless you have been breaking the law, or drinking, or…