Electric scooters are a great mode of urban transport, that much is clear. What can be unclear are the insurance requirements but don’t worry, we’ve broken it down. Simples.
What is the law?
You must have motor insurance to ride your electric scooter on UK roads. It is illegal to use an electric scooter on a road or public place without at least third-party insurance. Electrically assisted pedal bikes do not require insurance.
Electric scooters are classed as motor vehicles under the UK Road Traffic Act. There is not a legal regime that relates to electric vehicles specifically. This means that they are covered by the same laws and regulations that apply to all motor vehicles. The law aims to ensure safety, consistency, and environmental sustainability in the manufacture and use of motor vehicles.
Failures to comply with these rules are criminal offences for which users can be arrested and prosecuted.
Using an electric scooter without insurance if caught by the police can result in a fixed penalty of £300 and 6 penalty points. If the case goes to court, you could receive an unlimited fine or be disqualified from driving. The police further have the power to seize, and in some cases, destroy the vehicle used by the uninsured driver. If a police officer asks you, you must be able to provide a valid insurance certificate.
Aside from the legal requirements, insurance for your electric scooter is a good idea for a few reasons:
Injury to yourself, another person or property damage
We know you will do everything you can to ride your scooter as safely as possible, but accidents do happen. Electric scooters can reach top speeds over 30mph. When travelling at such speeds you can seriously injure yourself or another person. Additionally, some of our more substantial scooters are pretty heavy, if one fell onto your foot you could be looking at much more than a sore toe… ouch.
In the tragic event that an accident results in injury to another person, Public Liability insurance is essential for electric scooter owners. To avoid costly compensation claims, this is a no-brainer.
Racing to leave work on a Friday afternoon and accidently hit the car park barrier? Oops. Worse than the embarrassment of being caught on CCTV, you could be liable for a costly property damage fee. Avoid this cost by getting you electric scooter insured.
Theft and damage
We have good news and bad news.
The good news is your electric scooter is going to turn heads! The bad news is your electric scooter is going to turn heads. Your new electric scooter is going to attract attention, that’s certain. Unfortunately, this means your scooter is open to theft. In the unfortunate event that your scooter is stolen you will want to make sure you have insurance so you can be back on the road as soon as possible. Oh jealousy… such an ugly trait…
Specific protection for your electric scooter is essential as despite what you might expect, home insurance is unlikely to cover theft of your scooter outside the home. With specialist electric scooter insurance, you can relax knowing your scooter is protected wherever you are.
Scooters can get hurt too. Whether you misjudge a speed bump and accidentally damage your scooter yourself, or another road user bumps into you leaving your scooter scratched, you will need insurance to repair any damage.
Still confused? Don’t worry, we are here to help. Please do not hesitate to contact us with any questions, we love talking about our scooters!
Please note the above information is based on GOV.UK (2020) guidance for England, Scotland and Wales (there are different rules for vehicle insurance in Northern Ireland). Please check information for insurance in other countries.