People worldwide have begun adopting environmentally conscious decisions, such as switching to electric scooters to lower their overall carbon footprint. E-bikes and electric vehicles are now being mass-produced by several of the world’s largest automobile manufacturers and other large businesses focusing on the future.

Although this is not particularly common in India, there is a continuously developing interest in electric vehicles (EVs). No matter what vehicle one drives, insurance for e scooter is a must to protect one’s financial situation. However, is it required to have insurance for electric bike?

Is it required to have insurance for two-wheelers?

Once we are on the road, regardless of what kind of vehicle we are in, we are constantly at risk of being involved in an accident. Per the Motor Vehicles Act of 1988, all motorcycle owners must maintain active third-party liability insurance, and breaking this regulation can result in severe fines.

Some electric cars are exempt from the need for two-wheelers and have at least third-party liability insurance, otherwise mandatory. The quantity of power generated by motors is the primary cause behind this.

Most electric vehicles are produced with an engine that is 250 watts, and their top speed is barely 25 kilometres per hour. As a result, most electric bikes do not require insurance.

Advice: Use an online car insurance calculator to calculate the premium of your two-wheeler that can be both affordable & beneficial to your needs.

Advantages of purchasing two-wheeler insurance for electric bikes –

The cost of an electric scooter can be Considerably High – Despite the government’s efforts, there is not a significant demand for electric scooters. Because there is not a lot of demand for these automobiles, the price has remained relatively unchanged.

Electric scooters use intricate technologies that are electrical, mechanical, and computer-driven; as a result, they are more likely to be stolen or damaged. The cost of repairing these components of the scooter could be relatively high; however, if one has electric vehicle insurance, they can rest confident that they may have financial support if any repairs are necessary.

  • High risk:

Although certain high-end electric vehicles are more significant and faster to ride, there is a higher likelihood of being involved in an accident when using one of these vehicles. If something dreadful occurs, having insurance for a two-wheeler could save your life.

  • Limited protection for electric scooters:

Because there is a need for more demand for electric scooters, standard bike insurance carriers give minimal coverage, and some insurance firms even refuse to provide insurance for E-bikes. This is because electric scooters are less popular than traditional bikes. It is essential to select an insurance provider that offers coverage commensurate with the amount of the premium paid.

  • The cost of e-bike insurance is reasonable:

Most electric bicycles can’t travel any faster than 60 kilometres per hour. When travelling at a slower speed, you expose yourself to less danger, and insurance companies recognise this by offering affordable premiums to cover low-risk automobiles.

The insurance policy can be tailored to the individual’s requirements, and they can select either comprehensive bike insurance, third-party insurance, or their own damage insurance.


It can be imperative to know how or when a catastrophe can occur. Accidents can result in demise, bodily harm, property damage, financial loss, and other undesirable outcomes. If the policyholder does not have insurance for e scooter, they may be responsible for any losses or damages and can sustain a significant financial loss as a result. Insurance can be purchased to cover these risks and shield the policyholder from financial difficulties.

* Standard T&C Apply

** Currently, there are 2 tax regimes in India – new and old. To get the tax benefit you desire, choose the correct one after consulting an expert. You can opt for a regime change during the next financial year.

# Visit the official website of IRDAI for further details.

## All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply

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