Insurance for electric scooters and e-bikes

Smooth, eco-friendly transportation calls for the right protection. Find out what insurance you need for your e-bike or electric scooter so you can enjoy a safe, worry-free ride.

Insurance for e-bikes.

An e-bike is usually covered by your home insurance if it has a motor output of up to 250 watts and a top speed below 25 km/h. This covers theft, damage, and traffic accidents up to a certain value. Above that value, you'll need a special policy. For full compensation, take the battery out overnight and avoid carrying passengers illegally or riding on sidewalks.

Insurance for electric scooters.

An e-bike is usually covered by your home insurance if it has a motor output of up to 250 watts and a top speed below 20 km/h. This covers theft, damage, and traffic accidents up to a certain value. Above that value, you'll need a special policy. For full compensation, avoid carrying passengers illegally or riding on sidewalks.

Insurance for a Class II moped.

A Class II moped, rated at 250 to 1,000 watts and up to 25 km/h, is required by law to carry liability insurance. This can be partial or full coverage and protects the rider, third parties, and property in the event of an accident. For added protection, choose a policy that also covers theft and other risks. The rider must meet all legal requirements, including holding a license and wearing a helmet.

Insurance for a Class I moped.

A Class I moped, which can have a motor output of up to 4,000 watts and a top speed of 45 km/h, is required by law to carry liability insurance. Liability insurance covers injury to the rider, third parties, and property damage in the event of an accident. You can also choose partial or full coverage for added protection, for example against theft or other damage to the vehicle. To ride a Class I moped, you must hold an AM license and always wear a helmet as required by law.

Our insurance recommendation – Contact your insurance company.

At Wheelyshop.se, we recommend contacting your insurance company to confirm what your home insurance includes, or to extend your coverage for added protection. We don't sell insurance directly, but we do provide a warranty against manufacturing defects that may affect our products.

To get the best possible protection and security for your vehicle, we advise you to research your insurance options carefully.

Conclusion.

The right insurance for Class I and Class II mopeds is essential for safety. E-bikes and electric scooters are often covered by home insurance, while mopeds require liability insurance by law. Follow the rules and insure your vehicle for a responsible, worry-free ride. Explore the city without a care, with the right protection in place!