Electric scooter under scrutiny: Do you need mandatory insurance?

19. June

🛴 Mandatory insurance for electric scooters: Who needs it and how much does it cost?

Electric scooters have been experiencing a huge boom in recent years – and it's no wonder. They are fast, eco-friendly, stylish, and perfect for the city. But you know that some models are already required by law to have mandatory insurance just like cars or scooters?

In this article, we will look at when you need to have insurance, when you can avoid it, and how much it will cost you.

🔍 When do you need to have mandatory insurance?

From 2024, new rules apply, according to which you must have liability insurance if your electric scooter meets at least one of the following conditions:

Has a design speed greater than 25 km/h
Travels faster than 14 km/h and at the same time weighs more than 25 kg
It is intended for road use and is not explicitly exempted by law
If the motor power is over 1000w

👉 If the scooter exceeds these limits, it is considered a motor vehicle by law – and that means the obligation of vehicle liability insurance.

✅ When does the insurance not apply to you?

If your electric scooter:

Do not drive faster than 25 km/h
Weighs less than 25 kg
If the engine power is below 1000w

…then you are in luck – you don't need to worry about liability insurance. Such scooters are considered more as light personal vehicles, similar to bicycles.

💸 How much does insurance cost?

Good news – liability insurance for an electric scooter is not expensive.

For standard models, the price is around 300 to 500 CZK per year.
It depends on the scooter's parameters, performance, speed, and your no-claims bonus.
You can easily arrange insurance online or with traditional insurance companies like Kooperativa, Allianz, ČSOB Pojišťovna, etc.

🧠 What will you need when arranging?

Manufacturer and model of the scooter
Maximum speed
Engine performance
Weight
Date of manufacture or first commissioning
Your data as the policyholder

🧾 Summary in Numbers

Scooter Parameter	Annual Insurance (approximate)
Up to 25 km/h and under 25 kg	0 CZK (not required)
Over 25 km/h or heavier	approx. 300–500 CZK

✍️ In Conclusion

Laws are tightening and electric scooters are no longer just "toys for the city". If you own a more powerful model, check if insurance is mandatory – otherwise, you risk a fine and complications in the event of an accident.

Do you have a scooter and are not sure if you need liability insurance? Write to us – we are happy to help!

Akce