Insurance for e-scooters and e-bikesUpdated a month ago

Convenient and environmentally friendly transport requires the right protection. Insurance requirements for e-bikes, e-scooters and mopeds vary across the EU, so it's important to know what applies in your country.

E-bikes and e-scooters

In many EU countries, e-bikes and e-scooters that stay within certain power and speed limits (typically up to 250 watts and around 25 km/h) may be covered by your home/contents insurance for theft and damage up to a certain value. For higher-value vehicles, separate insurance is often recommended or required. Check with your insurer what is covered, and follow the rules (for example, avoid unauthorised carrying of passengers or riding where it isn't allowed) to keep your cover valid.

Faster models and mopeds

More powerful or faster vehicles are often classified as mopeds and, in most EU countries, require third-party (traffic) insurance by law. This covers the rider, third parties and property in the event of an accident. You can usually add comprehensive cover for theft and damage. Riders may also need an appropriate licence and to wear a helmet – check your national requirements.

Contact your insurance company

We recommend contacting your insurance company to confirm what is included in your home insurance, or to extend your cover for extra protection. We don't offer insurance directly, but we do provide a warranty for manufacturing defects that may arise with our products.

Conclusion

The right insurance is crucial for safety. E-bikes and e-scooters are often covered by home insurance within certain limits, while faster models and mopeds usually require dedicated traffic insurance. Because rules differ between EU countries, always check the requirements where you live and insure your vehicle accordingly for a responsible and safe journey.