Do You Need Insurance For An Electric Scooter? An In-Depth Discussion

Electric scooters are a popular micro-mobility vehicle and have become a mainstream riding option for many people. It happens because of its economic benefits and easy riding facilities. Although it truly offers amazing riding benefits, it is associated with accidents and theft risks on the roads.

Thus, when you buy an electric scooter, you need to consider a few facts. One of these crucial facts is the insurance policy and its importance. So, do you need insurance for an electric scooter? Also, how do you get insurance coverage for e-scooter?

Since electric scooter has improved power, capacity, speed, and increased risk association, you will need a driving license and insurance for the vehicle in most countries. It happens because authorities consider e-scooter or motorized scooters the same as motorcycles (which indeed they are) and apply the same set of traffic rules.

Do You Need Insurance For An Electric Scooter

You may usually get health insurance and umbrella insurance for the e-scooter. This article will discuss the importance and necessity of e-scooter insurance and how to get it with maximum benefits. So, please stick with us and read it unless you don’t want to see your investment in the electric scooter going to ruin due to accidents and thefts.

CHECKOUT: Electric Scooter laws, Are They Legal In Sidewalks?

Do You Need Insurance For An Electric Scooter?

The requirement of insurance for electric scooters varies from one country to another. Also, it depends on how different government and traffic authorities perceive electric scooters.

For instance, in the US, federal and state laws don’t require the electric scooter owner to have insurance for their e-scooter. As e-insurance magazine reports, electric scooter owners will only need their driving license to ride their motorized scooter in the streets. They don’t need any insurance for it at all.

So, if you have a driving license, you can bring your e-scooter straight in the road and ride it without insuring it. But that’s only about federal and state traffic rules. What about the importance of insurance for e-scooter in real life?

As you purchase the motorized scooter, companies won’t provide you with any insurance policies whatsoever. Sadly, when you ride an e-scooter on the roads, its compactness and portability make it highly vulnerable to theft. Also, as the Consumer Product Safety Commission’s report on e-scooter suggests, accidents linked with electric scooters and e-bikes have seen s sharp rise in the last few years, especially in the 2017-2021 period.

The report showed that injuries due to micro-mobility increased to 57800 in 2020 from only 34000 injuries in 2017. Also, in the three years, around 190000 people had visited the Emergency Room (ED) due to micro-mobility accidents.

This single report shows how the increasing number of e-scooter use is also boosting road risk factors. Thus, you would like to get health insurance, at least, for your electric scooter. Also, in many countries, insurance companies offer umbrella insurance for e-scooter to their owners.

What’s more, the e-scooter is compact and highly portable. While these benefits help you ride the e-scooter easily and comfortably, they also make the e-bike vulnerable to theft. Therefore, you should get theft insurance for the electric scooter.

Many household and vehicle insurance companies provide you with insurance for e-scooter from thefts. For instance, Elvia by Allianz, a Swedish insurance authority, offers household insurance for electric scooters that also cover theft liability.

Do electric scooters need insurance in UK?

In the above section, we have already mentioned that you don’t need an insurance policy to ride your electric scooter legally in the US. You will only need to follow the traffic rules set by different states for e-scooter and ride the vehicle comfortably.

But, what if you are in the UK? Do you need electric scooter insurance in the UK?

No, you don’t need insurance for your electric scooter in the UK. It happens as the UK government doesn’t even consider electric scooters as an alternative to mainstream vehicles on the road. Yes, e-scooter is legal in the UK. It doesn’t prohibit you from buying and owning an electric scooter.

ALSO READ: Pros And Cons Of Electric Scooters.

Theft insurance for electric scooter Do You Need Insurance For An Electric Scooter? Must know Facts Before You Get One

Nonetheless, you are only limited to using it in private properties. At present, you can’t ride an electric scooter on the roads just like you would do with your motorcycles and cars. Thus, you don’t need any insurance for your electric scooter also.

Consequently, most insurance companies in the UK are quite reluctant to offer health, umbrella, or household insurance for e-scooter. Despite its eco-friendly benefits, it is frustrating to see the UK government’s response to electric scooters. We hope they understand its benefits soon and make it a legal vehicle to ride on public roads and streets. Similarly, you will receive a proper insurance policy for your e-scooter in the UK.

But, as the scenario stands, you don’t need any insurance for electric scooters in the UK, as the early 2022 information says.

CHECKOUT: How Does An Electric Scooter Work?

Type of Scooters and Their Insurance Policy

Electric scooters have emerged as a mainstream commuting medium in the past few years. Thus, the traffic and insurance laws associated with it are yet to develop fully. It has put the e-scooters in a murky condition.

Moreover, different states in the US and also European countries perceive different for various types of scooters. When you get your first e-scooter, you need to learn about these classifications of scooters since many of them often get overlapped in real life.

Kick scooter:

Kick scooters mostly come without seats and might have two to four wheels. They start with a kick and previously were linked with the kids’ toys. However, many manufacturers have their electric kick scooter that runs with a motor and battery power these days.

Thankfully, you won’t need any insurance for the kick scooters at all in most cases. Also, you are limited to riding them on the roads. So, check your local traffic rules before taking it on the roads.

Electric scooter:

The motorized scooter or electric scooters are the main discussion points for us today. These scooters are often referred to as electric kick scooters or stand-up scooters. The manufacturers often set the speed limit at 30MPH, and you shouldn’t require insurance to ride it on the roads.

Nonetheless, it would help to consider the risk associated with thefts and accidents for the e-scooter with the motor. So, we recommend you get proper insurance for electric scooters.

Mopeds:

The moped has two wheels and is much like the standard motorcycle. However, it differs from the motorcycle in two important points. Firstly, its engine capacity is below 49cc. Its speed limit is below 30MPH.

Since different governments and authorities have set different rules for mopeds, you should contact your local authorities about their insurance policies. Many insurance companies do offer insurance for mopeds.

Motor scooters:

Motor scooters are an improved version of mopeds with motor capacity going over 49cc. These vehicles’ insurance and registration policy vary extensively from one model to another. So, it is suggested that you check the local insurance companies for it.

Nonetheless, you don’t need any insurance for kick scooters, electric scooters, or mopeds in the US on a large scale. In fact, only a few states in the USA, like California, have made e-scooter streets legal for people over 16 years old. Yet, the speed limit is set at 25MPH only.

As the above discussion shows, you don’t need to insure your electric scooter to ride it on the streets. But that’s only about government and traffic rules. You need to consider other factors before insuring your electric scooter or not.

ALSO READ: Electric Scooter Maintenance Guide.

Insurance coverage for e scooters

For instance, “Do you need electric scooter insurance for accidents? Can you get e-scooter insurance for thefts? Or can you get electric scooter insurance in real life even?

Now, we will jump into these facts. Also, we will discuss what to consider for insuring your electric scooter and ways to reduce your premiums for the insurance. It will be useful since e-scooters aren’t as expensive as cars, and you might not stack up on its pricing with the high-insurance amount. Also, it will be useful for people with a tight budget.

Insurance Coverage for E-scooter: What Happens When You Have Accidents?

For electric scooters, the insurance policy has two parts. These include:

  1. Insurance for e-scooter of ridesharing companies
  2. Insurance of personal electric scooters

Usually, ridesharing companies have proper insurance for their vehicles for any accidents. So, their vehicles are covered adequately for any unwanted mishaps. However, the rider is responsible for the damage he caused to the other vehicle due to the accident. Although it has become a norm, this e-scooter insurance coverage for ridesharing companies is harsh.

As the Terms and Conditions of e-scooter ridesharing companies clearly state that they can’t be held accountable for any injuries to riders; they are sadly left on their own. Thus, we recommend having at least health insurance for riding shared electric scooters.

Now, let’s turn your focus on personal electric scooter insurance policy and coverage. It has varying levels of insurance rules and regulations. Importantly enough, there’s no insurance coverage if the rider is found faulty for the accidents. For instance, if you suffer a head injury due to not wearing a helmet while riding your electric scooter, insurance companies will find you guilty for it. Similarly, you won’t get any insurance benefit for such moments.

What’s more alarming is that most vehicle and household insurance companies have yet to develop any useful, practical, and authentic electric scooter insurance policies. It happens because of the murky rules of the US federal and state government about motorized vehicles.

Long story short, most insurance companies won’t provide you with many benefits for e-scooter accidents and property damage. More or less, the policy remains the same, more or less, for the personal and rent e-scooters across the US.

For instance, all insurance policies mention that for any e-scooter accident, you might have to pay for the damages and hospital bills from your pocket. It is a sharp contrast with the insurance policies offered for automobiles such as cars and SUVs. Nonetheless, you might claim for property damages and repair expenses of your e-scooter from the other participant on the mishap.

CHECKOUT: Electric Scooter Troubleshooting

Types of Insurance For Electric Scooters Do You Need Insurance For An Electric Scooter? Must know Facts Before You Get One

It happens because automobile insurance doesn’t apply to vehicles with less than four wheels. Thus, Insurance Journal suggests personal electric scooter riders avoid e-scooter potholes as it fails to cover their safety in most cases. Plus, your premiums will be close or similar to full-fledged cars, such as $10000 to $20000, although e-scooters are gettable under $1000.

Thus, you need to look for ways to lower your insurance premiums for e-scooters if you indeed want to get one. We will discuss it in the following section.

Lastly, here is a piece of surprise information that may trick you. Many automobile insurance companies even offer securities for bicycles and bikes but don’t cover motorized scooters. It isn’t very clear!

So, we suggest you get theft and health insurance for the e-scooter. It will help you get the medical benefits if you experience any injuries and need to visit the Emergency Room (ED).

CHECKOUT: How To Make E-Scooter Faster?

Theft insurance for electric scooter

Electric scooters are compact and portable. While it increases your riding comfort with the vehicle, it also makes it easy for thieves to steal your e-scooter. Thus, it may so happen that you have locked your electric scooter at parking, railway stations, or in front of a bar.

What’s more, at times it might get stolen from the home too. So, what happens when your electric scooter gets theft? Will you get insurance coverage for the theft?

Well, you can claim the insurance coverage if you have household insurance for your properties and the e-scooter gets theft from your home. Nonetheless, you can’t claim any insurance if your motorized scooter is outside of the home. Also, you will fail to get any insurance for any damages to the scooter outside of your home.

Therefore, it is unlikely to happen that your electric scooter will have theft coverage. So, be aware of it even if you have any property or household insurance.

ALSO READ: How To Charge E-Scooter Without Charger?

Types of Insurance For Electric Scooters You May Consider

The insurance facilities available for an electric scooter aren’t widely available. Thus, you have to be on your toes to find the right insurance type for electric scooters. For this, you may look at the following two types of insurance for e-scooters.

Health insurance:

Although health insurance isn’t involved with your e-scooter safety, it might save you during accidents. When you get health insurance, it will cover your medical costs for the accidents. So, you will get complete or partial coverage for e-scooter accidents.

However, you need to remember that you are unlikely to get any coverage if the insurance company finds you guilty of the accident.

Umbrella insurance:

Earlier umbrella insurance would cover household properties and extend it for bicycles, pools, etc. These days it also has coverage for electric scooters. It includes coverage for medical treatments and damage to the property.

Thus, if your e-scooter gets damaged due to accidents and you need to visit a medical, you can expect the umbrella insurance to pay for the expenses. Thus, you will get peace of mind and still enjoy good coverage.

You should consult your insurance provider and see which type of coverage it offers for your motorized scooters. Also, go through their terms and conditions to truly know what facilities you will get and what it lacks.

Reasons Why Should Get An Electric Scooter Insurance:

Yes, we must admit that the insurance policy for electric scooters is pretty complex. Also, most providers are yet to develop the right insurance pattern for motorized scooters. However, it shouldn’t discourage you from insuring the vehicle.

Can I insure my electric scooter from theft Do You Need Insurance For An Electric Scooter? Must know Facts Before You Get One

Here’re a few points that should help you know about the importance of electric scooters.

  • When you ride an e-scooter, you might get injuries due to accidents as you fall from it. Or it might hit the pedestrian or traffics. Thus, you will get coverage for the accident, covering your medical expenses.
  • When you have the right insurance, you can repair the vehicle’s damage from the insurance coverage. It will help you lower your e-scooter maintenance and repair costs.
  • When you have theft insurance for e-scooter, you will have insurance coverage for scooters from stealing. Thus, it will bring peace of mind knowing that you can get a new scooter with insurance coverage even if it gets lost.

An electric scooter is fun to ride. It is coming into the mainstream computing world, and so you should insure it for any damages and accidents.

Never forget your safety:

Whether or not you have insurance coverage for an e-scooter, you should never forget to maintain proper safety precautions for the scooter. Firstly, you must wear protective gear for the e-scooter. Thus, you should wear a helmet, knee and elbow pads while riding the e-scooter.

Also, you should follow the traffic rules while riding the scooter on public roads. It includes not crossing the speed limit of 25MPH, ensuring good rear and front headlamps, etc. Also, you should always be attentive while riding the e-scooter since different sources suggest that the inattentiveness of the rider is one of the main reasons for e-scooter accidents.

Final Words

Do you need insurance for electric scooters?

Well, it has multiple stages. Firstly, there’re no government and traffic rules for e-scooter insurance. So, there’s no need for insurance to ride your e-scooter on the roads. On the contrary, e-scooters are prone to accidents and thefts. Thus, you should insure your vehicle from accidents and steals with the right insurance. It will help you cover your medical treatments. Also, never forget to maintain the right safety requirements to increase your protection. It’s even more important to insure the scooter.

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