Insurance for electric scooters and e-bikes

Smooth, environmentally friendly transport requires the right protection. Discover what insurance you need for your electric bike or electric scooter to enjoy a safe and secure journey.

Insurance for electric bike:

An electric bicycle is usually covered by home insurance if it has a motor power of up to 250 watts and a speed of less than 25 km/h. This covers theft, damage and traffic accidents up to a certain value. For higher values, special insurance is required. For full replacement, remove the battery overnight and avoid unauthorized towing or driving on pavements.

Insurance for moped class 2:

A class 2 moped, with 250 to 1,000 watts and up to 25 km/h, requires by law road insurance. This can be half or full insurance and covers the driver, third parties and property in the event of an accident. For extra protection, choose insurance that covers theft and other damage risks. The driver must meet legal requirements, including a driver's license and wearing a helmet.

Conclusion:

The right insurance for class 2 electric bikes and mopeds is essential for safety. E-bikes are often covered by home insurance, while mopeds require road insurance by law. Follow the rules and insure your vehicle for a responsible and safe journey. Explore the city without worry with proper protection!

Bonus information: E-bikes, with their low motor power and speed, may be covered by home insurance. For theft protection, use certified locks and remove the battery for longer unattended periods.