Get cheap quotes for electric motorbike insurance with vast:visibility
An electric motorbike, scooter or moped looks the same as its petrol counterpart, but it’s powered by a battery and electric motor rather than an internal combustion engine (ICE).
Instead of filling up with fuel, you charge your bike’s battery by plugging in.
You can charge them from a household socket or a special charging unit at home or at work. You can also find public charge points in places like shopping centre car parks, service stations or supermarkets.
Electric motorbikes haven’t taken off quite as quickly as electric cars. But they’re becoming more popular on our roads as the technology improves.
There are three main types of electric motorcycle insurance:
Third party only insurance is the minimum level of cover you need to ride your electric motorcycle on the road. If you’re involved in an accident, the policy will pay out losses to others involved where you’re found to be at fault – drivers, passengers or owners of property that’s been damaged. It won’t insure you for damages to your own bike or injury to yourself.
This level of cover offers the same benefits as TPO, but will also pay out if your bike is damaged as a result of a fire or if it’s stolen.
Comprehensive, or fully-comp insurance offers the highest level of cover. On top of the benefits of TPFT, you’re covered for damage to your bike and yourself in an accident.
Yes, if you plan to ride your electric motorcycle on the road, you’ll need to insure it.
As is the case with petrol motorcycles, third party insurance is the minimum cover to be road-legal.
Several factors can push up the cost of electric motorcycle premiums.
Because they’re so quiet on the road, electric motorcycles are deemed more likely to be involved in an accident with a pedestrian, and therefore regarded as higher-risk to insurers.
Batteries are expensive, and if they’re damaged in an accident, your bike may be considered too costly to repair. That’s why many insurers limit their offer to Third party only (TPO) cover on electric motorcycles.
Fewer companies insuring electric motorcycles means less competition. And that can result in higher premiums
As many electric motorbikes spend the majority of their road-time on busy city and urban streets, they’re seen as at higher risk of an accident.
Electric motorcycles are still considered ‘niche’ in the motoring market, so not all insurance companies yet offer insurance policies on them. But there are lots that do – you’ll just have fewer quotes to choose from.
Yes, just as their fuel-powered equivalents need to be insured to be road-legal, so do electric mopeds and scooters.