HOW TO GET INSURANCE FOR A NON REGISTERED ELECTRIC SCOOTER

Even if your electric scooter, like low-speed e-scooters under 25 km/h, doesn’t need registration or a driving license, getting insurance is still a smart move. It’s not just about rules; it’s about protecting yourself from unexpected expenses.

With the high rise and demand for environmentally friendly solutions for daily life needs, the increased adoption of electric scooters is of no surprise in this modern technological era. Electric scooters, or e-bikes, are two-wheeled motor vehicles that run on lithium-ion batteries. Globally, electric scooters are proving to be a better and more sustainable option as compared to traditional fuel-run scooters.

The Indian auto sector is witnessing a boom in the number of e-bikes hitting the road. The latest models of electric scooters are known to have amazing features that make them even more attractive to buyers. However, having insurance is still a must irrespective of the kind of scooter, whether traditional or e-bike, you own

Although electric scooters in India don’t require registration, that becomes a problem for insurance companies. Technically, insurance companies need vehicle registration to process or offer insurance to ply on the roads. However, things become ambiguous when electric vehicles are not required to get themselves registered. In such a dilemma, there’s still some scope for getting insurance for a non-registered electric scooter by the following methods:

Insurance For a Non-Registered Electric Scooter

Third-Party Insurance Policy for Electric Scooters

Third-party insurance is a two-wheeler insurance policy covering only third-party liabilities. In case of an accident where you hurt someone or damage third-party property, this policy will cover the expenses – medical expenses in case of an injury caused to a third party as well as other damages caused to the victim's vehicle or property. This type of insurance policy does not cover damage to your own scooter.

Comprehensive Insurance Policy for E-Bikes or Electric Scooters

In simpler words, this is a more inclusive two-wheeler insurance policy. A comprehensive two-wheeler insurance policy provides optimum cover for the insured vehicle against any man-made or natural disaster. Apart from third-party liabilities, this insurance policy covers your scooter's repair expenses in case of accidents, theft, and malicious damage.

Own Damage Insurance Cover

This insurance policy provides coverage against the damages that are caused to your electric scooter due to road accidents, natural causes, man-made causes, and loss due to theft.

Why Should You Get Two-Wheeler Insurance for an Electric Scooter?

Apart from complying with the law, there are several other reasons why you must buy two-wheeler insurance for electric scooters. Let’s take a dive into some of the reasons:

Powerfulness: Some electric scooters can prove to be powerful machines and can reach to very high speeds in the blink of an eye. Thus in case of any unfortunate incident, comprehensive insurance can ensure the condition of the electric scooter in case of any hefty damage caused to the vehicle.

Expensiveness: Despite all the government's efforts to promote the purchase and use of electric scooters in India, the demand has not witnessed any upheaval. One strong reason for this is the high price of battery-operated scooters in India. These electric scooters cost relatively higher than petrol-driven scooters or motorcycles. Therefore, it becomes a necessity to protect it from accidental damage. Since these scooters are expensive, repairing costs can go very high, and a comprehensive insurance policy can be a saviour for you.

Here’s why it actually makes sense:

1. Safety Net Against Theft

Let’s be honest, electric scooters are easy to lift and run. If your scooter gets stolen, insurance can help you recover the financial loss instead of paying everything from your pocket.

2. Covers You If You Hurt Someone or Damage Property

Even a low-speed scooter can bump into someone or scratch a car. Third-party insurance protects you from paying heavy compensation if you accidentally cause injury or property damage.

3. Premiums Are Usually Affordable

Since these scooters are low-speed and low-powered, insurance premiums are generally budget-friendly. You get solid protection without spending a lot.

4. Ride Stress-Free

Knowing you're covered makes a difference. You won’t constantly worry about “what if something happens?”

5. Covers Natural and Unexpected Events

Some comprehensive policies also cover damage from floods, fire, vandalism, or other unexpected events. That’s especially useful in cities where the weather can be unpredictable.

6. Simple and Quick Claims

Most insurers now offer easy online claims. They include less paperwork, faster processing, and help you back on the road sooner.

7. Encourages Responsible Riding

When you invest in insurance, you automatically become more mindful about safety and responsible riding.

8. Protection If You Crash or Damage Your Scooter

Accidents do not always rely on speed, it can happen anytime. Even a minor fall can lead to repair costs. Insurance helps cover those repair or replacement expenses if your scooter gets damaged in an accident, fire, or any sudden mishap.

Conclusion

As India's electric scooter market is still in a nascent stage, the motor insurance premium for such vehicles is affordable. 

FAQs- Frequently Asked Questions

Q1. Why is it difficult to get insurance for electric scooters in India?

Ans: Electric scooters generally don’t require any registration because the government has not laid out any definitive rule or guideline for electric scooters' insurance (especially for the low-speed ones).

Q2. Is it expensive to buy an electric scooter?

Ans: Yes, it’s very expensive to buy electric scooters in India due to their high demand and environmentally friendly features.

Q3. What documents are needed for insuring electric scooters?

Ans: Identity proof, address proof, and two passport-size photographs are needed.

Q4. Can I legally ride a non-registered electric scooter without insurance in India?

Ans: Even if your scooter doesn’t require registration (usually low-speed models), having at least third-party insurance is strongly recommended. It protects you legally and financially if an accident happens.

Q5. Do low-speed electric scooters need registration to get insurance?

Ans: Not necessarily. Scooters under 25 km/h and 250W motor power don’t usually require RTO registration. However, insurers may ask for your purchase invoice or manufacturer details to issue a policy.

Q6. Can I buy insurance using the chassis number instead of a registration number?

Ans: Yes. Many insurance providers allow you to buy a policy using the scooter’s chassis number and invoice details if there’s no registration number available.

Q7. Is third-party insurance mandatory for electric scooters?

Ans: Under the Motor Vehicles Act, third-party insurance is mandatory for vehicles used on public roads. While rules around electric scooters are still evolving, having third-party insurance helps you avoid legal trouble.

Q8. Does insurance cover battery damage?

Ans: Battery coverage usually comes under a comprehensive policy or as a battery protection add-on. Since the battery is the most expensive part of an electric scooter, this coverage is definitely worth considering.

 

Last updated - 19/02/2026