Motor insurance for e-scooters & other light vehicles

Do you have an e-scooter, self-balancing vehicle, unicycle, mini moped, or another light vehicle and want to know whether you need motor insurance to ride it? Read more here, and if you need to get insurance, send us your inquiry.

Request an insurance quote

Frequently asked questions

Is motor insurance required?

Motor insurance is liability insurance that covers damage caused by your vehicle to other people or their property. Motor insurance applies on roads used for traffic, parking lots, courtyards, and elsewhere.

Why is motor insurance required for e-scooters and other light vehicles?

In recent years, many light vehicles have appeared on our roads and in traffic, and unfortunately, accidents involving them have become more frequent, often injuring not only the driver but also other people. Therefore, from 1 December 2024, motor insurance is required for all vehicles that operate solely by motor power, have a design speed of over 14 km/h, and weigh more than 25 kg. Various light vehicles meet these conditions, including e-scooters, which must have valid insurance before you can ride them.

Please note: vehicles that can achieve speeds over 25 km/h may only be used in traffic if they are registered and have motor insurance.

Woman riding an el-scooter and wearing a helmet

Which light vehicles are subject to motor insurance?

Motor insurance is required for light vehicles not subject to registration participating in traffic, such as some e-scooters, unicycles, electric skateboards, self-balancing vehicles, mini mopeds, and electric bicycles. Check whether insurance is required for your light vehicle.

Motor insurance NOT REQUIRED	Motor insurance REQUIRED	MUST BE registered
Included	Not included	Not included	Such a light vehicle can be used without motor insurance. This category includes lighter and slower e-scooters.
Not included	Included	Not included	Motor third-party liability insurance is required for such a light vehicle. This includes e-scooters, mini mopeds with up to 1 kW power, self-balancing vehicles, unicycles, electric skateboards, and electric bicycles that move solely by motor power. If you have such a vehicle and need insurance, please send us an inquiry and we will send you an insurance quote.
Not included	Included	Included	Such a vehicle may only be used in traffic if it is registered with the Transport Administration, i.e. it has a registration number and valid motor third-party liability insurance. This includes vehicles like mopeds, moped cars, ATVs, snowmobiles, and various work machinery, such as lawn tractors and riders (if used outside private property).
Included	Not included	Not included	Such a vehicle can be used without motor third-party liability insurance. This includes some self-balancing vehicles, lawn tractors, etc.

Request a quote

Motor insurance terms and conditions

Motor insurance has no separate terms and conditions, it is governed by the Motor Insurance Act.

Please also read the motor insurance information document.

How motor insurance helps

Someone suddenly steps in front of your scooter

You may be as attentive and careful as you can on your e-scooter or other light vehicle, but it is hard to predict the behaviour of other people. A pedestrian, especially a child, or a dog on a leash may suddenly change direction, and a collision may be unavoidable. In such a case, motor insurance helps cover the victim’s medical costs.

Collisions, scratches – someone’s property gets damaged

Whether due to a narrow path, technical issues, or lack of experience, sometimes it is not possible to stop the e-scooter in time or reduce speed sufficiently. As a result, you may collide with another vehicle, bump into a fence, or scratch a car. Motor insurance helps cover damages caused to other people’s property.

The battery of your e-scooter explodes

We hope you will never face such a situation. Unfortunately, there have been cases where an e-scooter’s battery overheats during charging and causes a fire. Motor insurance helps cover the damages caused to other people’s property in such cases.

Two youngsters preparing to take off with mini moped

If you can see that you need motor insurance to operate your e-scooter or other light vehicle, please fill in the inquiry form and we will send you an insurance quote.

Request a quote

How are you protected?

Motor insurance compensates for damages caused to others – both property damage and personal injury. But what can you do to protect your own property and improve your recovery if you are injured in an accident? Here are some suggestions.

Ensure your safety and security

E-scooters and other light vehicles can reach significant speeds, and a fall or collision at such speeds can cause serious injuries. Therefore, you should always wear protective gear – a helmet is a must, and knee and elbow pads are also helpful. Before riding, make sure your vehicle is technically sound. Stay fully alert during your ride.
Accident insurance can help

If you have accident insurance and are injured, the insurance will help you deal with the consequences. You can focus on your recovery without loss of income. For faster recovery, you can visit a private doctor or go to rehabilitation if necessary.
Learn more and insure
You should also protect your e-scooter

An e-scooter or other light vehicle is a considerable investment, and it can be rather painful to have it seriously damaged or stolen. Such incidents cannot always be prevented, but you can protect yourself from major financial loss by insuring your e-scooter or electric bicycle.
Learn more and insure

All insurances

Frequently asked questions

Which light vehicles do not need motor insurance?

Motor insurance is not required if:

the vehicle is a wheelchair for a person with special needs,
it is an electric bicycle where the motor only provides additional power;
it is used only on private, closed territory closed to the public traffic and there is a low chance of causing harm to third persons – e.g., it used only in your own yard.

Do I need insurance when I am not using my scooter?

You may take out motor insurance only for the active riding season. However, accidents can also happen off-season, and motor insurance can cover the loss caused. For example, if your e-scooter’s battery catches fire, it causes damage that is classified as a traffic-related accident. Therefore, when considering the length of the insurance period, think about whether your scooter or other light vehicle could potentially cause such damage.

What if the e-scooter or other light vehicle belongs to my underage child – who should sign the insurance?

Only an adult can conclude an insurance contract, so the policyholder must be at least 18 years old. Thus, for an underage child, the insurance must be taken out by a parent or another adult representative.

Can I use my insured scooter in traffic abroad?

Yes, motor insurance is also valid outside Estonia – in the European Economic Area and in Green Card countries (Albania, Andorra, Bosnia and Herzegovina, Croatia, North Macedonia, Morocco, Moldova, Montenegro, Serbia, the United Kingdom, Tunisia, Turkey, Ukraine). If you plan to take your e-scooter to a European Economic Area country, a regular motor insurance policy is sufficient. For Green Card countries, bring the Green Card with you.

How can I get a Green Card for my scooter?

You need a Green Card if travelling outside the European Economic Area; for travelling within the EEA, including the neighbouring countries, a regular motor insurance policy is sufficient.

A Green Card is necessary in the following countries: Albania, Andorra, Azerbaijan, Bosnia and Herzegovina, North Macedonia, Morocco, Moldova, Montenegro, the United Kingdom, Serbia, Tunisia, Turkey, Ukraine.

You can order the Green Card through self-service or by calling the insurance phone 777 1211. The Green Card is free of charge during the validity of your motor insurance.

Where can I find the technical data of my light vehicle?

You will find the weight and design speed of your light vehicle in its technical documents, which should be provided at purchase. You can also find the necessary information on the seller’s or manufacturer’s website.

What is design speed?

Design speed is the maximum speed determined by the manufacturer at which the vehicle is designed to operate.

What happens if my smaller e-scooter does not require insurance, but I accidentally scratch a neighbour’s car with it?

In such a case, personal liability insurance with broader coverage can help. You can add this to your home insurance policy with If Insurance, and it also applies outside your home. Learn more about home insurance coverage.

When is motor insurance required for an electric bicycle?

Motor insurance is required for an electric bicycle that operates solely by motor power and is essentially regarded as a mini moped. If the bike also moves when pedalled, motor insurance is not required. If you require insurance coverage for theft or other damages, you should get bicycle insurance.

Which light vehicles must be registered in the traffic register?

If an e-scooter, electric skateboard, or other light vehicle can go faster than 25 km/h, it can only be used in traffic if it is registered with the Transport Administration and has valid motor insurance. Such fast vehicles cannot be insured without a registration number.

What happens to motor insurance if I sell my scooter and the owner changes?

By law, the valid insurance contract automatically transfers to the new owner. However, if you want to cancel the insurance contract before selling the vehicle, please send us a termination request via our self-service portal.