March not only brings the anticipation of warmer days, but also the start of the new insurance year for e-scooters, e-scooters and scooters for the elderly. In this article, we answer all the important questions and give you helpful tips on the subject of insurance for electric scooters so that you can enjoy not only spring but also your driving pleasure to the full.

Why is e-scooter insurance necessary?

E-scooter insurance is not only necessary, it is also required by law. Every owner of a motor vehicle, including e-scooters, e-scooters and scooters for the elderly, is required by law to take out motor vehicle liability insurance (with the exception of our 6 km/h E-Trike 6, E-Quad 6, Maximus MX4-6 and ERS-6 mobility scooters). This insurance is liable for damage or accidents with third parties caused by your e-scooter.

Please note: Compulsory insurance only applies to vehicles with a road licence. This means that e-scooters without a valid road licence may not be used on public roads and therefore do not need to be insured!

What happens if my e-scooter is not insured?

If you drive an uninsured e-scooter on public roads, this is a criminal offence under Section 1 PflVG and you can expect a heavy fine or even a prison sentence. In addition, you are not covered in the event of an accident or damage caused by you and must pay all costs incurred yourself.

But even if your e-scooter is insured and you have simply forgotten to affix the current insurance licence plate, you can expect a fine of €40 according to the current catalogue of fines

E-scooter insurance: third party or partial cover?

Motor vehicle liability insurance is required by law and only covers damage to third parties for personal injury, property damage and financial loss.

Partially comprehensive insurance always automatically includes the mandatory third-party liability insurance. It can be taken out voluntarily to cover additional damage to your own e-scooter, e.g. due to theft, robbery or fire.

Important: Neither third-party liability insurance nor partially comprehensive insurance (including motor vehicle liability insurance) covers personal injury that affects you personally. If you also want to insure damage to yourself, you must take out accident insurance in addition to the third-party liability or partially comprehensive insurance

Are other people who use my electric scooter also insured?

Regardless of whether you opt for the motor vehicle liability insurance required by law or partially comprehensive insurance, the insurance cover always applies to the following persons

• Policyholder
• Vehicle owner
• Owner of the vehicle
• All drivers of the vehicle

So if you lend your e-scooter to a friend, for example, who causes an accident or damage to a third party, your insurance will still cover the costs. However, as the policyholder, you must ensure that all drivers meet the legal requirements for using the vehicle on public roads (e.g. minimum age, driving licence, etc.) before driving

Who can take out e-scooter insurance?

Policyholders must be at least 18 years old to be able to take out motor vehicle insurance independently. However, minors have the option of having their e-scooter insured with the consent of their parents.

In which cases is the insurance not liable?

In principle, e-scooter insurance is not liable for damage caused intentionally or through gross negligence.

While partially comprehensive insurance covers damage to your own vehicle, this is not the case with third-party liability insurance.

Please refer to the information provided by your insurance company for other damage that is excluded from the insurance cover, as this differs from insurer to insurer

What to do in the event of a claim?

In the event of an accident, damage or theft, please contact your insurer immediately and document all damage.

Is my scooter also insured abroad?

Most insurers also include insurance cover in Europe and the EU in their motor vehicle liability insurance. However, it is advisable to enquire with your chosen insurer before concluding a contract.

How long is the insurance cover for my electric scooter valid for?

The insurance year always begins on 1 March and ends automatically in February. If the insurance is taken out during the year, the insurance premium is adjusted accordingly to the shorter insurance period. Regardless of the month in which the insurance is taken out, it is only valid up to and including the last day of February. Cancellation is not necessary.

The colour of the insurance number plate changes annually between blue, green and black. This makes it easy to recognise invalid insurance cover on public roads.

In order to ensure complete cover, you should therefore extend your insurance cover in good time and apply for a new insurance licence plate from your insurer before 1 March.

Example: You took out insurance for your new e-scooter on 15 January 2024. The associated (black) insurance licence plate is then valid up to and including 29/02/2024. If you want to continue using your e-scooter on public roads after this date, you must apply for a new (blue) insurance licence plate. This is then valid from 01.03.2024 to 28.02.2024. From 01.03.2025, you will then receive a green licence plate with a corresponding extension

What does e-scooter insurance cost?

The cost of insuring your electric scooter varies from insurer to insurer and depends on the vehicle class to be insured. For example, insuring an e-scooter with a top speed of 20 km/h is significantly cheaper than for an e-scooter with a top speed of 45 km/h, with prices starting at €20 per insurance year.

The insurance premium for partially comprehensive insurance is also higher than for pure liability insurance due to the additional benefits.

In addition, some insurers also offer discounted rates for riders over the age of 23.

The insurance premium is also reduced proportionately if insurance cover only begins after 1 March.

It is therefore not possible to make a general statement about insurance rates. An overview of current prices and e-scooter insurance policies can be found on well-known comparison portals

What should I look out for when choosing insurance?

To find the best insurance offer for you, it is best to compare the various insurers based on the following points

• Sums insured for damage incurred (per claim or per injured person)
• Amount of the insurance premiums
• Conditions for drivers under the age of 23, if applicable
• Amount of the excess (only for partially comprehensive cover)
• Customer service

In addition to the financial aspects, such as the sum insured, costs per insurance year and the amount of the excess, comprehensive customer service is of course also a criterion that should not be neglected. This is because a quick response from the e-scooter insurance company is essential in the event of a claim. You should therefore also find out about customer service and how to contact the insurer. For example, can they only be contacted online? Do you also have the option of contacting the insurer by telephone? The well-known comparison portals and testimonials from other e-scooter riders are helpful here.

How do I insure my e-scooter correctly?

Insuring an e-scooter, e-scooter or senior scooter is very simple.
Once you have decided on an insurer, simply contact them by phone or in writing or visit a branch near you. Some insurers, such as HUK-COBURG, also offer an uncomplicated online insurance policy.

We have listed the documents you need to take out your e-scooter insurance here. For a quick and uncomplicated conclusion of the insurance, it is best to have the following information and documents about your electric scooter ready

• Vehicle class(vehicle classes of all Rolektro models)
• Vehicle identification number (for all Rolektro models on the type plate attached to the vehicle or on the enclosed operating licence)
• Maximum speed of the vehicle

Where can I get a licence plate for my e-scooter?

As soon as the insurance company has all the above information and the insurance premium has been paid, you will receive the insurance licence plate by post. If you take out e-scooter insurance directly at a branch, you can usually pick up the licence plate directly on site.

You will receive a self-adhesive licence plate for your e-scooter. For all other vehicle classes, you will receive a metal licence plate that you can attach directly to your vehicle's licence plate holder.

You must exchange this licence plate for a new insurance plate at the start of each new insurance year

Safely on the road with HUK-COBURG*

Are you still looking for good and affordable insurance for e-scooters, e-scooters or scooters for senior citizens? Our tip: HUK-COBURG

• Simply take out insurance online with the online rate calculator
• Favourable rates
• Motor third party liability alone or in combination with partial casco possible
• High sum insured
• Expertise in the event of a claim
• Best motor insurer

Motor third party liability insurance: Covers damage to third parties up to €100 million for personal injury, property damage and financial loss per claim or up to €15 million per injured person in the event of personal injury.

Partial accidental damage insurance (incl. motor third party liability): Compensates for damage to your e-scooter, e.g. due to theft, robbery or fire with an excess of €150.

With HUK-COBURG, you can insure your e-scooter from as little as €22, e-scooters & scooters for the elderly from €38 per insurance year.
The premium is reduced accordingly if you take out the insurance during the year and therefore not for the entire insurance year.

And this is how it works:

1. Select the right insurance via the rate calculator
2. Conveniently take out insurance online
3. Transfer the premium
4. Approx. 1 week after receipt of payment, you will receive the licence plate number by post
5. Attach the licence plate, take the insurance certificate with you and drive off

Insure your e-scooter, e-scooter and senior mobility scooter quickly and easily online now and get your licence plate!

How do I provide proof of insurance cover?

Current insurance cover is clearly recognisable by the number plate attached. This is generally sufficient as proof. However, we recommend that you always carry a copy of the current insurance certificate and the operating licence of your vehicle with you so that you can provide all relevant information directly in case of doubt.

The start of the new insurance year

With this information in your luggage, you are now well equipped to start the new insurance year with your electric scooter without any worries. Your safety and riding enjoyment come first, and the right insurance is the key to this.

We wish you sunny days, unforgettable tours and a safe journey with your e-scooter at all times!

* If you have any questions about the scope of insurance and the services offered by HUK-COBURG, please contact HUK-COBURG directly. The same applies in the event of a claim. We do not provide insurance advice

---

Was this article helpful?
We would be delighted if you would share this article with family, friends and acquaintances! Help us to make electric mobility possible for everyone.