Updated on - 27 Apr 2026
As global temperatures steadily rise, pollution is a growing concern worldwide. As fossil fuel reserves continue to decline, there will eventually be a need to rely on alternative energy sources. Many enterprises have realised this need and, therefore, have started manufacturing EVs (electric vehicles). To contribute to a greener future, the Indian automotive industry is gradually shifting to electric power.
Although electric vehicles are still developing in terms of overall market share in India, their adoption has grown steadily in recent years. The government is trying to push it, offering substantial subsidies to customers buying electric scooters or EVs in India. This article will discuss electric scooters and whether buying two wheeler insurance for them is necessary.
What are electric scooters?
An electric scooter is a two-wheeler like any other motorbike or scooter; the only difference is that it does not run on petrol or diesel. Instead, an electric motor and a battery power it. Electric scooters cause zero emissions and zero noise pollution, making this category of two-wheelers the most viable alternative for addressing pollution.
Is Insurance Required for Electric Scooter in India?
In India, insurance for electric scooters depends on their specifications. Low-speed scooters with a top speed of up to 25 km/h and a motor power of up to 250W do not require registration and therefore do not require insurance. On the other hand, if you have a high-speed electric scooter that can cross these limits, then, under the Motor Vehicles Act, you must register your vehicle, making at least third party bike insurance legally mandatory. Even when not required, opting for insurance is advisable for financial protection.
Benefits of Having Bike Insurance for Your Electric Two-Wheeler
Apart from complying with the law, there are other reasons why you must buy insurance for electric scooters-
1. Electric scooters are expensive
Despite the government's efforts to promote the purchase and use of electric scooters in India, demand has not seen any significant increase. One strong reason for this shyness is the price of battery-operated scooters in India. These electric scooters cost relatively more than petrol-driven scooters or motorcycles. Therefore, it is necessary to protect it from accidental damage. Since these scooters are expensive, repair costs can be very high, and a comprehensive insurance policy can be a saviour for you.
2. Some electric scooters are powerful machines
We mentioned earlier that some electric scooters don't require registration. Furthermore, you don't even need a valid licence to drive such a vehicle. This exemption from the rule was granted because these e-scooters produce less power and cannot exceed 25 km/h. On the other hand, that's not the case for modern electric scooters.
In the last few years, automobile manufacturers have introduced many electric scooters in India with powerful engines that can produce high torques. These two-wheelers can accelerate in the blink of an eye and reach a top speed of around 80-90 kmph. And in case of any unfortunate event, comprehensive two-wheeler insurance can shield you from hefty repairing costs.
Conclusion
In terms of top speed, some electric scooters are equivalent to their petrol counterparts and can reach up to a rate of 80-90kmph. You must hold a valid two-wheeler license to ride one of these powerful electric scooters in India. They also require registration and a valid two-wheeler insurance policy.
As India's electric scooter market is still in its nascent stage, motor insurance premiums for such vehicles are affordable. If you want to renew or buy a bike insurance policy, you can visit our website and take a free quote.
FAQs
1. How can I purchase insurance for my electric scooter online?
Many insurance providers offer online platforms where you can compare policies, customise coverage, and purchase insurance conveniently from your home.
2. What is third-party insurance for two-wheelers?
It is an insurance policy that covers only third-party liability. In the event of an accident in which you injure a third party or damage third-party property, this policy will cover the medical expenses for the injured third party, along with any damage to the victim's vehicle or property. This type of insurance policy does not cover damage to your own scooter.
3. Are there specific insurance policies tailored for electric scooters?
Several insurers offer policies specifically designed for electric scooters, taking into account their unique features and potential risks.
4. Does insurance cover the battery of the electric scooter?
Coverage specifics vary by policy. It is essential to review the terms to ensure components like the battery are included.
5. How does the electric scooter insurance premium compare to petrol-powered scooters?
Premiums for electric scooters are often lower due to their lower risk profile and lower top speeds, but rates can vary by insurer and coverage details.
6. What is a comprehensive insurance policy for two-wheelers?
A comprehensive bike insurance policy provides optimum cover for the insured vehicle against any man-made or natural disaster. Apart from third-party liabilities, this insurance policy covers your scooter's repair costs in the event of accidents, theft, or malicious damage.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.