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E-Scooter Insurance

E-scooters are a popular way to travel in e-scooter trial areas, especially for commuters. This is because they provide a fast, economical, and environmentally friendly way of getting from point A to point B. If you want to get e-scooter insurance once they are road legal, register your interest and we’ll contact you as soon as they’re allowed on public roads.

E-scooter trials are still taking place across the UK. Although they were originally supposed to end in November 2022, local participating authorities have been given the option to either end their trial or extend it until the end of May 2024. This has therefore affected when e-scooter are likely to become road legal.

The benefits of getting a policy with Sterling

  • All makes of road-legal electric scooters covered
  • Full range of comprehensive, third party, fire and theft, and third party only cover options
  • Legal cover up to £100,000 included free of charge
  • UK and foreign licences accepted
  • Cover for disclosed accessories fitted to your e-scooter
  • No loss of bonus or excess if you’re hit by an uninsured driver

All makes of road-legal electric scooters covered

Once electric scooters are road legal, we’ll be able to cover all e-scooter makes and models, from your standard types to your more lightweight types.

Full range of options

Our e-scooter insurance will be available in a range of different tiers depending on the type of insurance you need. From the minimum level of cover – third party only – to fully comprehensive cover, we have a number of different options.

Up to £100,000 of legal cover included on every policy

Our legal cover is a standard feature in our E-Scooter Insurance policies. So if you are ever involved in an accident that isn’t your fault, it can help you recover any out of pocket expenses afterwards and possibly look to offer a hire vehicle as well as other benefits.

UK and foreign licences accepted

Whether you’re from the UK, the EU, the USA, Canada, or many other countries, it’s likely that we will be able to accept your driving licence.

Cover for disclosed accessories fitted to your e-scooter

If you’ve fitted extra accessories to your e-scooter, we can cover these if these previously been disclosed. What’s more, fitting extra security features to your e-scooter could potentially reduce your insurance premiums.

No loss of bonus or excess if you’re hit by an uninsured driver

If you get into an accident with an uninsured driver or rider, we won’t penalise you for this. This means you won’t lose your bonus or excess.

Frequently asked questions

Will e-scooter insurance be a legal requirement once private e-scooters are allowed on public roads?

E-scooter legislation hasn’t yet been finalised – it’s likely that this will happen only when the trials have been concluded. However, if you’re thinking of buying a private e-scooter to use once they become road legal, it might be worth considering e-scooter insurance.

Given that e-scooters are fairly fast and quiet, they have their own unique risks on the road. They can also be an attractive target to thieves. Taking out insurance can help protect your e-scooter if anything happens.

Can I cover my e-scooter on my home or contents insurance policy?

This will depend on your home and contents insurance policy. Given how new e-scooters are to the market, it’s unlikely that it will be covered. It’s unlikely that any home insurance policy will cover your scooter while it’s being used on the roads.

Do I need to have a driving licence to use an e-scooter?

In order to take part in the current e-scooter trials, you need a full or provisional driving licence to rent one. It is still not clear if you’ll need a licence to ride a private e-scooter once the trials have been completed. Register to get notified when our e-scooter insurance goes live and we can let you know the requirements when you get a quote.

How much is e-scooter insurance?

As privately owned e-scooters are not yet road legal, you won’t be able to get cover at the moment. Make sure to register with us for more information and you’ll be able to get a quote from us as soon as e-scooters are road legal. As a specialist insurance broker, we’re often able to get you an affordable insurance quote where other insurance providers cannot.

Even better deals over the phone

Our best policies and prices do not appear on price comparison sites and are not available online.

So let us compare prices with the levels of cover available. We’ll take quotes from multiple insurance providers to ensure you get the very best deal.

Help is here when you need it

Sterling’s claim line is open 24 hours a day, 365 days a year.

If you ever need to make a claim, someone will be here for you at the other end of the phone.

Our staff are based in the UK

Whether you’re calling for a quote or want to make a claim, our staff are based in the UK and ready for your call.

As soon as you agree the policy terms, your insurance can be issued on the same day.

30 years’ experience in the industry

Our senior staff have been working in the insurance industry for 30 years.

It means we can help if you need to find cover for situations or circumstances that are a bit more specialist.

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