How do you get insurance for an electric scooter?

According to Finnish law, insuring an electric scooter is necessary in certain situations, and the need for insurance depends on the characteristics of the scooter, such as its weight and maximum speed. Light electric scooters weighing less than 25 kg and with a maximum structural speed of 25 km/h do not require traffic insurance. However, heavier or faster scooters and all rental electric kickboards require traffic insurance. When choosing insurance, it is important to consider the intended use of the scooter, its technical characteristics, and your own needs.

Is it necessary to insure electric scooters under Finnish law?

According to Finnish law, the insurance obligation for electric scooters is determined based on the technical characteristics of the device. Traffic insurance is mandatory for electric vehicles that weigh more than 25 kg OR have a structural speed of more than 25 km/h. In addition, all electric kick scooters used for rental purposes must be insured regardless of their weight or speed.

According to Traficom regulations, electric scooters classified as light (weighing no more than 25 kg and with a speed limit of 25 km/h) are treated as bicycles and do not require compulsory traffic insurance. Users of these devices must follow the same traffic rules as cyclists.

It should be noted that motor vehicle insurance does not automatically make an electric scooter roadworthy. The maximum speed of unregistered electric vehicles in road traffic is limited to 25 km/h, even if the device is technically capable of traveling faster.

The E-go electric scooters available from us include models that come with EU road approval (COC certificate), which allows the scooter to be registered and insured. Models such as the Cobra, Master, and Royal can be registered as mopeds and require traffic insurance.

What types of insurance are available for electric scooters?

There are various types of insurance available for electric scooters, offering different levels of cover for different needs. Statutory motor insurance is compulsory for certain types of electric scooters and covers personal injury and property damage caused to third parties. However, it does not cover damage to your own scooter.

You can supplement the coverage provided by your motor insurance with optional comprehensive insurance policies. These include:

• Super insurance policies that offer the most comprehensive coverage, including collision, vandalism, and theft damage.
• Shareholder homes where you can choose more limited protection that suits your needs
• Special insurance policies tailored to specific types of electric scooters

Home insurance may also cover some damage related to your electric scooter. Typically, it can protect your scooter against theft or vandalism when it is at home or locked up elsewhere. However, home insurance terms and compensation limits vary, so it is important to check the coverage of your own insurance policy.

As an importer, we ensure that owners of Ego electric scooters receive expert advice on insurance matters. Since the options offered by insurance companies vary, it is advisable to carefully compare different types of insurance before making a decision.

How much does insurance for an electric scooter cost?

The price of electric scooter insurance varies considerably depending on several factors. Traffic insurance typically costs €50-150 per year, but the price is significantly affected by the technical characteristics of the scooter, such as power and top speed. More powerful models, such as the E-go Cobra, Master, and Royal electric scooters equipped with 2000W-4000W motors, are more expensive to insure than smaller models.

Pricing is also affected by:

• The policyholder's age and driving history, if applicable
• Intended use (hobby, work, or everyday use)
• Scooter storage and area of use
• Scope of insurance (third-party liability insurance only or more comprehensive insurance)

Comprehensive insurance adds to the price, typically around €100–300 per year depending on the level of coverage you choose. Super comprehensive insurance starts at around €200 per year, while more limited partial coverage can start at around €100.

It is worth comparing, as there are clear price differences between insurance companies. Insurance companies often offer bundling discounts, so if you already have other insurance policies with a particular company, it may be cheaper to insure your electric scooter there.

How do you actually get insurance for an electric scooter?

Getting insurance for your electric scooter is a straightforward process that can be broken down into a few simple steps. The first step is to determine whether your scooter needs insurance based on its weight, power, and speed. Once you know whether you need insurance, you can proceed as follows:

1. Gather the necessary documents:
   • Technical specifications of the electric scooter (weight, power, maximum speed)
   • Purchase receipt or certificate
   • In the case of a registrable design, a COC certificate
   • Identification and contact details
2. Compare insurance companies' offers online, by phone, or by visiting a branch office.
3. Fill out an insurance application with the insurance company of your choice (this can usually be done online).
4. Pay your insurance premium and keep your insurance certificate

If you buy a scooter from us at Huippukone, we will help you determine whether the model you are purchasing requires insurance. For example, Cobra, Master, and Royal models come with a COC certificate, which allows them to be registered and insured as mopeds.

When choosing an insurance company, it is worth considering not only the price but also the company's reputation in terms of compensation, the quality of customer service, and the clarity of the insurance terms and conditions. You can also request quotes from several companies and compare them as a whole before making a decision.

What to do in case of an accident involving an electric scooter?

In the event of an accident involving an electric scooter, it is important to remain calm and act systematically. The first and most important task is to take care of the injured and, if necessary, call the emergency number 112. Once immediate first aid has been provided, proceed as follows:

1. Record the details of the accident:
   • Venue and time
   • Contact details of the parties and any witnesses
   • Take photographs of the damage and the scene of the incident.
2. Report the damage to your insurance company as soon as possible:
   • On the insurance company's website
   • By telephone to the insurance company's customer service
   • Through a mobile app, if the company has one
3. Keep all invoices and receipts for any expenses, such as medical expenses or scooter repairs.
4. Follow the insurance company's instructions for further action.

Liability issues depend on the type of accident and the parties involved. If you have caused damage to another party, your motor insurance will cover their damages. If you have fallen or collided with a fixed obstacle, compensation will depend on whether you have comprehensive insurance.

If you need help with sorting out an accident or repairing your scooter, you can contact our expert staff. We also offer advice and technical support on insurance matters and a wide range of original spare parts for repairs.

Remember that even if your insurance covers damages, proactive and responsible driving is always the best way to avoid accidents. Use appropriate safety equipment, such as a helmet, and follow traffic rules.