In most areas and situations, electric scooter insurance is not an easy thing to come by. Although electric scooters are a relatively new means of transportation, certain insurance firms have managed to give some alternatives in various countries.
To compile this list, I contacted virtually all of the world’s largest insurance providers and inquired about possibilities for electric scooter users. In addition, I reviewed all of the material they supplied on their website. I learned why electric scooter insurance works and if electric scooters require insurance in the process.
Electric scooter insurance
Electric scooters in most countries are required to be insured, neither for the scooter nor for the rider. The county of Illinois, the state of Texas if the scooter’s motor is over 750 Watts, and the country of Germany are the only significant exclusions. Nonetheless, most nations provide scooter insurance, and bodily injury insurance when riding an electric scooter is also accessible in some form.
Of course, the regulations and procedures will differ based on the nation and the insurance firms that operate there. Let’s get into some more specifics based on your area and the possibilities you have.
How does scooter insurance work?
Electric scooter insurance can mean coverage for any of the following:
- Personal injuries you’ve suffered and the potential expenses related to treating them, like medical expenses
- Injuries other people have suffered and the potential expenses related to them, like medical expenses for treating them, potential legal expenses, etc
- Damage to your electric scooter
- Theft of your electric scooter
- Damage to other people’s property caused in an accident involving you and your electric scooter
You should also be aware that while most major insurance companies do not provide a particular package for electric scooters, you should be able to purchase a motorbike or standard scooter insurance package that will protect your electric scooter as well.
Do you need insurance to use an electric scooter?
Only the states of Illinois in the United States, Texas in the United States if the electric scooter’s motor power exceeds 750 Watts, and Germany require you to obtain electric scooter insurance. In all other major nations, you may ride your electric scooter without any kind of insurance.
For more information on this, see my legal guide for electric scooters.
Can you get electric scooter insurance?
Electric scooter insurance was available in most countries and may frequently be a financially reasonable alternative, even if it is not needed. While it is virtually generally accessible to ensure your electric scooter against damage or theft, personal insurance that covers accidents while riding might be more challenging, depending on where you live.
Does regular insurance cover electric scooters?
Electric scooters may or may not be covered by your insurance package, depending on the plan and the insurance carrier. Electric scooters, on the other hand, are rarely covered by standard insurance policies. Even automobile insurance policies seldom cover electric scooters, as most auto insurance policies exclude two-wheeled vehicles.
What kind of insurance do you need for an electric scooter?
The sort of electric scooter insurance you obtain is determined by the coverage you require. If you want to ensure your scooter is against damage, you’ll need collision coverage or specialty scooter coverage from businesses that specialize in insuring electric scooters. Those same packages might cover vandalism or theft, but you’ll need to get additional house insurance to cover all circumstances. Although your health insurance might cover your bodily injuries, this isn’t always the case, and this is likely one of the instances with the fewest possibilities. A liability package may cover damages to other people’s property as well as their possible injuries.