Electric Motorcycle & Scooter Insurance
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Why compare electric Motorbike & Scooter insurance with MultiQuoteTime?
If you are researching the cost of e-scooter or electric bike insurance, you may be surprised at the number of providers that now offer insurance for electric bikes and scooters. It would be great to be able to simply complete one form and get multiple quote options!
To help you in your online search for affordable insurance, we have partnered with Quotezone. With Quotezone technology, you can access multiple motorcycle insurance quotes from top insurance providers in the UK by completing a simple online form.
Best Electric Scooter Insurance UK
Scooters and mopeds are really popular on the UK roads, and with good reason. They are cheap to buy, cheap to run and cheap to insure. Insurance can be lowered further by completing the CBT ( the motorcycle and moped training test) .
Having electric scooter Insurance in the UK is important so that drivers of these economical vehicles can be financially protected just in case there is a problem. The most common of these issues that scooter owners are confronted with is the theft of their scooter. Unfortunately, the theft of scooters in Greater London are has risen over the past several years. As such, if you do live in the city you will be forced to pay slightly higher premiums and these in less populated parts of the UK. Don’t be a victim of scooter theft by taking precautions to dissuade a potential thief from choosing your loved moped or scooter. If you do fall victim, make sure you have a good electric scooter insurance policy in place that will pay out quickly.
How to lower electric motorbike & Scooter insurance with MultiQuoteTime
Young and new drivers are considered high risk because of their lack of experience. Due to that factor, they also have the highest insurance premium costs.
DSA Certificate of Competence
To lower the annual cost of scooter insurance, it is recommended that these young drivers obtain a DSA Certificate of Competence by taking the Enhanced Rider Scheme from the Driver and Vehicle Standards Agency.
Review and Update Coverage
Review and Update Coverage: Periodically review your insurance coverage to ensure it aligns with your current needs. If your circumstances have changed, adjusting your coverage can help you avoid overpaying for insurance features you no longer require.
Consider Limited Mileage Policies
Consider Limited Mileage Policies: If you use your electric bike infrequently or for specific purposes, inquire about limited mileage policies. Some insurers offer lower rates for policies with restricted annual mileage, as it reduces the likelihood of accidents.
Reduce Risk of Theft
Another way of lowering your insurance costs is to install a theft prevention device. This can be an alarm or as simple as a chain so that thieves cannot simply load your electric scooter into the back of a truck.
Safe storage
Storing your e-scooter or electric motorbike in a locked building when not in use is another important factor insurers consider when calculating your premium.
Safe Driving
By not making any claims over time, each e-scooter or electric bike rider can build up a No Claims Discount, helping to reduce their annual insurance costs.
What levels of cover are available electric motorcycles and e-scooters?
There are three types of electric motorbike insurance coverage, and every rider must have one of them. These are: Comprehensive, Third Party Fire and Theft, and Third Party Only.
Third-party (TPO)
Third-party only is the legal minimum electric motorbike insurance required for riding on public roads or public places in the UK. This is the lowest level of cover and will only cover your motorcycle, paying out to a third party for injuries or claims for damage
It’s worth highlighting that if you need protection for your electric motorbike, third-party cover is not sufficient. For this, you should consider comprehensive cover.
Third-party fire and theft (TPFT)
This is basic third-party motorbike insurance, but with theft and fire cover for your own motorbike. It’s better than TPO, but still doesn’t provide protection for your own electric motorcycle in case of accident damage
The extra cover means that if your electric motorbike is stolen or suffers fire damage, the TPF&T policy will cover the repair costs, and if the bike is beyond repair, it will pay out the market value for replacement, unless you have negotiated a ‘new for old’ policy with the principal insurance provider.
Fully comprehensive
This is the top level of electric scooter or electric motorbike cover available, which includes TPF&T, plus, importantly, coverage for your own bike if it is damaged in an accident, along with cover for fire and theft.
Please note that every electric motorcycle insurance policy will come with an excess amount. This is the amount you must pay in the event of making a claim. This applies to all bike insurance providers.
Did you know
Every motorcycle insurance policy will come with an excess amount. This is the amount you must pay in the event of making a claim. This applies to all bike insurance providers. If you choose to incease the excess amount most provider will reward you with cheaper quote!
Having electric scooter Insurance in the UK is required by law so that you can travel legally on the UK roads. These are great vehicles for travelling around town and the neighbourhoods. Because they do not have large engines they do not go very fast so do not operate on a major thoroughfare.
How to compare motorbike insurance quotes with MultiQuoteTime.co.uk
Simply provide the following details in order to receive fast, affordable quotes from the UK’s leading e-scooter motorbike insurers.
Simply provide the following details in order to receive fast, affordable quotes from the UK’s leading e-scooter motorbike insurers.
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- Updated: 13 June 2025
- Reviewed by Eamonn Turley Insurance Expert