The Cost Of Electric Scooter And Bike Insurance In The UK

Updated: 17.4.25

Electric Scooter & Bike Insurance in the UK: What You Need to Know

With electric scooters and bikes now whizzing through cities like London, Manchester, and Birmingham, these eco-friendly rides are reshaping urban travel. But while the thrill is undeniable, there’s a practical side that riders often overlook — insurance.

So, how much does it actually cost to insure your electric scooter or bike in the UK? And is it worth it?

Why Consider Insurance?

While not legally required for privately owned electric scooters in the UK (yet), insurance provides peace of mind. Whether you're commuting daily or enjoying weekend rides, accidents can happen — and they often come with hefty bills.

Insurance can cover theft, accidental damage, and third-party liability, helping you avoid financial setbacks.

What Happens If You Ride Uninsured?

Using an uninsured electric scooter on public roads could land you in legal trouble. You may face fines or even liability for injury or damage. As regulations evolve, insurance could soon become mandatory, so staying ahead is a smart move.

Cost Breakdown: How Much Will You Pay?

For Electric Scooters

Specialist insurance for a £500 electric scooter can cost around £50 annually. This often includes theft protection, accidental damage, and third-party liability up to £5 million.

For Electric Bikes

Ebikes can cost slightly more, especially when bundled with motorcycle policies. Prices range between £50.99 and £116.02 a year based on provider and coverage level.

Top UK Insurance Providers

Factors That Affect Insurance Costs

• Type of vehicle (scooter vs. bike)
• Usage frequency and purpose
• Storage and security when not in use
• Rider age and riding history
• City or region

The Perks of Insurance

The Eco Angle

Many insurers now offer discounts for choosing greener transport. Your decision to ride electric not only benefits the planet but could also trim your premiums.

Looking Ahead: What to Expect

• Tailored Policies: Expect more custom insurance packages for e-riders.
• Policy Expansion: As e-scooters become legal on UK roads, more insurers will enter the market.
• Tech-Based Discounts: Use of safety gear and tracking devices may reduce premiums.

Final Thoughts

Electric scooters and bikes are here to stay. As they become more common, understanding and investing in insurance ensures your ride stays smooth and safe.

From reduced legal risk to financial security, the benefits far outweigh the costs. So before your next ride, consider protecting your wheels — and yourself.