As electric scooters and bikes become increasingly popular across cities worldwide, the need for specialized electric vehicle insurance has grown exponentially. These compact, eco-friendly transport options offer unmatched convenience—but they also present unique risks that traditional insurance may not cover.
This comprehensive guide explores the top 10 insurance options for electric scooters and bikes, highlights common coverage gaps, compares plans, and gives practical advice to help you protect your investment—and yourself—on the road.
Understanding Insurance for E-Scooters and E-Bikes
Insurance for electric scooters and e-bikes is not a one-size-fits-all solution. It typically encompasses a mix of personal liability, theft protection, damage coverage, and in some regions, even third-party insurance requirements.
Unlike traditional vehicles, e-scooters and e-bikes often fall into regulatory grey areas. Many countries do not require mandatory insurance, yet policyholders are increasingly turning to specialized coverage in response to theft, accidents, and vandalism.
Standard auto or homeowners’ insurance typically excludes micromobility devices. That’s why dedicated plans tailored to these vehicles offer much-needed peace of mind, especially for daily commuters and urban riders.
Policy offerings vary significantly based on vehicle type, power output, geographical location, and how the vehicle is used—personal, rental, or commercial delivery purposes.
Top 10 Insurance Options for Electric Scooters and Bikes
1. Lemonade Bike Insurance
Known for its seamless mobile interface and affordable premiums, Lemonade offers comprehensive theft and damage coverage for e-bikes. Their AI-driven claims process ensures speed and transparency.
2. Velosurance
This Florida-based company offers specialized policies for high-performance e-bikes and scooters. It includes medical gap coverage, worldwide protection, and optional liability add-ons.
3. Progressive Electric Bike Insurance
Progressive covers a wide range of electric two-wheelers under its recreational vehicle policy. Their liability protection and roadside assistance features are especially appealing to daily riders.
4. Markel E-Bike & Scooter Coverage
Markel provides a customizable insurance plan including coverage for theft, collision, vandalism, and liability. Premiums vary based on wattage and top speed.
5. Sundays Insurance
In partnership with Strava, Sundays offers global protection for high-end e-bikes, making it ideal for enthusiasts and sports riders. Their loss coverage even extends to in-transit damages.
6. Spoke Insurance
Spoke specializes in digital insurance for micromobility vehicles. Their flexible monthly plans and real-time theft alerts via app make them ideal for urban users.
7. Laka Collective
This UK-based cooperative model offers collective-powered insurance. You only pay when others in your risk group claim, promoting fairer pricing and social responsibility.
8. Allianz E-Mobility Add-on
Allianz offers electric mobility extensions within home insurance policies in select European countries. It includes theft, weather damage, and personal accident cover.
9. Oyster Insurance
Focused on seamless digital signup, Oyster covers both scooters and bikes with broad protection, including accessory damage, spare battery theft, and more.
10. AXA e-Rider Insurance
Operating across multiple EU markets, AXA offers tailored plans for electric vehicles with legal assistance and hospital indemnity built in.
Common Mistakes to Avoid When Choosing E-Scooter/Bike Insurance
Choosing the Cheapest Premium
Low premiums can be misleading. They may lack essential coverage like theft, third-party liability, or personal injury. Compare inclusions carefully.
Ignoring Local Legal Requirements
Some jurisdictions require mandatory third-party liability for high-powered e-scooters. Failing to comply may result in fines or impounded vehicles.
Not Declaring Modifications
Adding a larger battery or faster motor can void your policy. Always inform insurers of any upgrades.
Overlooking Exclusions
Policies often exclude commercial use (e.g., delivery services). Ensure your use-case aligns with the plan.
Comparison Tables
| Provider | Theft | Personal Injury | Liability | Global Coverage |
|---|---|---|---|---|
| Lemonade | Yes | Optional | Limited | No |
| Velosurance | Yes | Yes | Yes | Yes |
| Sundays | Yes | Yes | Optional | Yes |
| Provider | E-Bike | E-Scooter | Deductible |
|---|---|---|---|
| Progressive | $120 | $100 | $250 |
| Markel | $140 | $130 | $300 |
| Spoke | $99 | $89 | $150 |
Frequently Asked Questions
Is e-bike or e-scooter insurance mandatory?
It depends on your location. In some U.S. states and EU countries, third-party liability insurance is required for high-speed or high-wattage vehicles.
Can I get coverage if I rent my e-scooter?
Most policies exclude rentals. However, some providers like Laka and Oyster offer business-use add-ons.
Does homeowner’s insurance cover my e-bike?
Typically, only partial coverage applies under personal property clauses, and only when stolen from home. It’s safer to opt for dedicated micromobility insurance.
Conclusion and Call to Action
Choosing the right insurance for your electric scooter or e-bike isn’t just about compliance—it’s about ensuring financial and personal safety on the road. With theft rates on the rise and liability cases increasing, specialized coverage is no longer optional for serious riders.
We recommend comparing plans using the tables above and identifying providers that match your budget, location, and risk tolerance. For more insights, explore our other guides on micromobility safety tips.
Ready to protect your ride? Get a free quote from one of the top providers today, and ride smarter tomorrow.
External sources: Velosurance, Progressive, Lemonade, Markel
