Insurance for privately owned e-scooters
Electric scooters – also referred to as e-scooters - have soared in popularity in recent years.
Privately owned e-scooters are only legal on private land as it is against the law in the UK to ride e-scooters on public land including parks, pavements, footpaths, and roads. The only other way to use an e-scooter is by renting one through an authorised rental scheme.
Due to the rules around using e-scooters, insurance for electric scooters through Cycleplan only covers you for using your e-scooter on private land, with the landowner’s permission.
When used on private land, e-scooter insurance through Cycleplan can cover you for theft and accidental damage, personal accident if you were to injure yourself, or injury to another person or property.
Why choose Cycleplan for e-scooter insurance?
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Your ride, your insurance
No off the rack policies here. Choose your cover so you only pay for what you need – whether commuting, exploring, or just rolling.
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Got a few bikes? No problem.
You can protect all your bikes on one policy. There’s a 10% premium discount available on all bikes too (excluding the bike with the highest value).
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Trusted by many, provided by specialists
Rated Excellent on Trustpilot and with insurance provided by Aviva, you can trust us to help keep you protected.
What does e-scooter insurance cover?
E-scooter insurance
- Theft and damage of your e-scooter and accessories up to £30k
- Public liability up to £5m
- Personal accident – up to £50k
- Loss of earnings up to £750 per week
- Replacement e-scooter hire up to £1k
- Multi-bike or e-scooter policy
- Use of the scooter in public spaces, or private land where you do not have the landowner's permission
- Claims where Evidence of Ownership cannot be provided
- Theft where the security requirements haven’t been met
- Public Liability under the age of 16
For more information and the full list of what’s covered and not, visit our important documents page.
Remember, the policies we arrange are provided on the basis that bikes left unattended are secured to an immovable object using either the appropriate Sold Secure rated lock or Thatcham-approved lock. You can learn more about the security requirements here.
Why consider e-scooter insurance?
Although e-scooters are illegal in public spaces or roads, the risks associated with riding and owning one still remain while using your scooter on private land.
A standard home insurance policy may also not cover you for third-party claims. Specialist electric scooter insurance can ensure you and your scooter are protected if you are on private land and have the landowner's permission.
Theft & damage insurance for electric scooters
As well as being a fun investment, electric scooters can be expensive, with a standard model setting you back around £600, while top-of-the-range devices can cost upwards of £2k, making an e-scooter a highly desirable item to be stolen and something you’d rather not damage.
With this in mind, an e-scooter insurance policy through Cycleplan can cover up to £30k of theft and accidental damage. This policy also provides protection if your electric scooter is stolen while being used by you, or an immediate family member who permanently lives with you.
Important documents
If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.
More detailed cover information can also be found on our Important Documents page.
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E-scooters are classed as motor vehicles under the Road Traffic Act 1988.
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As e-scooters are classed as motor vehicles, this means the rules that apply to motor vehicles also apply to e-scooters. However, using privately owned e-scooters in public spaces, including on roads, pavements or parks is illegal. If you’re found to be using a privately owned e-scooter in public, you risk the vehicle being seized, a fine, or points on your licence.
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If you are using a rental e-scooter, GOV.uk advice, is to wear a cycle helmet. However, this is not a legal requirement. You should follow the same safety precautions you would if you were riding a bike, whether you are using a rental e-scooter in public or using your own e-scooter on private land to avoid accidents.
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As a desirable item, it is recommended to follow proper security measures when your e-scooter is not in use. If you don’t follow the proper security measures listed in your insurance policy documents, your claim could be invalid.
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The cost of e-scooter insurance will vary from person to person depending on the value of your scooter and the type of cover you choose. The quickest way to find out how much your policy could cost is to get a quick online quote today.
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E-scooter tips & advice
