May 23, 2025 || by TangJaney

Electric Scooter Insurance: What the Pros Recommend

E-scooter popularity has surged in recent years with around a million electric scooters currently in use in the UK. Many riders underestimate the risks of riding uninsured. Specialised electric scooter insurance is a great option for protecting you and your scooter from injury, theft or accidental damage.

Do You Have To Insurance For An Electric Scooter?

In the UK, all e-scooters—whether privately owned or rented—are classified as motor vehicles under the law. This means that they must meet certain legal requirements, including the need for motor insurance.

Privately-owned e-scooters

Privately-owned e-scooters are currently not road-legal in the UK and you don’t need to have insurance to ride on private land. E-scooter hire schemes like Lime usually include insurance in the rental price which covers you for third-party and personal injuries.

Rental e-scooter

If you are using a rental e-scooter as part of a government-approved trial scheme, you don’t need to worry about arranging your own insurance. The rental operator will provide this for you automatically as part of the service.

This insurance typically covers third-party liability, which means if you accidentally injure someone or damage property while using the e-scooter, the insurance will help cover those costs. It's one of the measures in place to ensure safety for both riders and the public while the UK continues to assess the long-term role of e-scooters in its transport ecosystem.

So, if you're hiring an e-scooter from an authorised provider like Lime, Voi, or Tier, rest assured that your ride is insured — just make sure to follow the local riding rules and use the e-scooter responsibly.

Why Consider E-Scooter Insurance?

E-scooter insurance is a great idea if you’re planning to ride your scooter on privately-owned land. Even the most careful riders sometimes run into problems. E-scooters cost hundreds or thousands of pounds, so replacing your e-scooter can be costly if it’s stolen or damaged.

Additionally your home insurance policy may not cover you for third-party injury or damage. Specialist e-scooter liability insurance is available from several providers in the UK to protect both you and your electric scooter.

What Does E-Scooter Insurance Cover?

What's Covered

You can get electric scooter insurance in the UK for riding your scooter on privately-owned land with the landowner’s permission. Providers in the UK will typically cover you for the following:

Theft
Damage
Personal injury
Public liability cover
Mechanical faults
Replacement e-scooter hire
Loss of earnings
Legal cover

What's Not Covered

E-scooter insurance providers will not cover you if you’re riding your scooter illegally. This includes riding on public roads, pavements, and in public places like parks. You’re usually not covered for theft if you haven’t properly secured your e-scooter with an appropriate lock. Most providers won’t cover public liability for riders under the age of 16.

Theft & Damage Insurance For Electric Scooters

Electric scooter insurance is a fairly new offering since e-scooters are not yet road-legal on UK roads. Currently there are just a handful of providers offering specialised e-scooter insurance for usage on private land. Others have policies in development pending changes to UK laws on using e-scooters on public roads.

	Cycleplan	Row	Sterling	Eversure
Coverage	Theft & damage, public liability, personal accident, loss of earnings, replacement e-scooter hire	Theft & damage, mechanical faults, public liability, personal injury	Tiers include third-party-only and fully comprehensive cover including legal expenses and disclosed accessories	Basic cover includes theft & damage. Comprehensive cover includes public liability, personal accident, accessories and battery damage cover
Maximum payout	Theft & damage: up to 30k Personal accident up to £50k Public liability up to £5 million	Policy under development pending changes to UK law on scooter usage on public roads	Legal cover: up to £100k Other details dependent on the provider chosen	Theft & damage: up to £10 Personal accident up to £25k Public liability up to £5 million
Extras	Additional premiums for accessories cover and competitions			Additional premiums for commuting and cycle event cover

How Do I Get Insurance For My Electric Scooter

First you need to check if you meet the requirements for your chosen e-scooter insurance policy. In the UK you can currently only get insurance for riding on private land with permission from the landowner.
The next step is considering the level of coverage you need. Third-party-only policies are cheaper but only cover damage or injury to third-parties. Comprehensive policies will cost a bit more and protect you against theft, vandalism, personal injury, and accidental damage as well.
You’re now ready to get quotes from your chosen providers and compare your e-scooter insurance policies. Look at which company offers the best coverage in your budget and how you might be able to reduce your premiums by buying a better lock or GPS tracking.
The final step is to purchase and register your policy. At this point you’ll need to provide the full details of your e-scooter including the model and purchase value. Your policy will now be active from this date onwards until the expiry date.

How Much Does E-Scooter Insurance Cost?

In the UK electric scooter insurance typically costs £10-£30 per month depending on the level of cover you want. Third-party-only insurance costs £75-120 per annum on average, while comprehensive plans cost £150-300 per year.

Electric Scooters Insurance Requirements

Specialised e-scooter insurance is only available for riding your scooter on private land with the landowner’s permission. Most providers only cover riders over 16 who are the owner of the scooter. To submit a claim you will need to demonstrate evidence of ownership in the form of a sales receipt or other evidence that shows the price and date of purchase.

Conclusion

Electric scooter insurance is a great option if you’re looking to protect yourself and your scooter from theft, damage, and injury. There’s a wealth of different providers on the market who offer specialised e-scooter insurance at an affordable price. Expect to pay between £75 to £300 per year depending on how much coverage you need.

Electric Scooter Insurance FAQ

Can You Ride A Scooter Without Insurance?

Privately-owned e-scooters are not yet road-legal in the UK, so you don’t need to have insurance. If you plan to ride your scooter on private land you can get insurance to cover theft, damages and accidents. If you hire a scooter the rental company usually includes the insurance cost in the rental price.

Do Police Care About Electric Scooters In The UK?

It is currently illegal to ride privately-owned electric scooters on public roads, public spaces like parks, and pavements in the UK. The police can seize scooters or issue fines for illegal usage.