Electric mobility devices

We also insure electric mobility devices that require statutory motor third party liability insurance.

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Electric mobility devices must be insured with motor third party liability insurance

Unregistered light electric vehicles with a speed exceeding 25 kilometres per hour or a weight exceeding 25 kilograms must be insured with motor third party liability insurance. Electric mobility devices include, for example, electric scooter mopeds, senior scooters and electric scooters.

Transportation devices for children must also be insured if they exceed the speed or weight limit.

For light electric vehicles weighing more than 25 kilograms or with a speed of more than 25 kilometres per hour, you can also take out Semi Casco insurance to supplement motor third party liability insurance with additional coverage. Keep in mind that after the change, such electric vehicles will not be covered by home insurance.

You should also note that the treatment expenses for an injury caused by an electric vehicle with motor third party liability insurance will be covered by that insurance, not your accident or sickness insurance. If you fail to take out motor third party liability insurance, you will not receive compensation from accident or sickness insurance.

It is worth taking out the insurance, as the Finnish Motor Insurers' Centre will charge a non-insurance fee for neglecting the obligation to insure that may be several times the amount of the insurance premium. Furthermore, you will not receive any compensation for injuries that you sustain yourself.

Electric mobility devices

Electric mobility devices include, for example, electric scooter mopeds, senior scooters and electric scooters.

Insuring electric bicycles

You do not need to take out motor third party liability insurance for an electric bicycle if the motor cuts off at a maximum speed of 25 kilometres per hour and its maximum power is 250W. For such electrically assisted bicycles, weight does not affect the obligation to insure. You can insure such an electric bicycle with our home insurance.

For all other electric bicycles, the insurance obligation is determined as for other electronic mobility devices, i.e. insurance must be taken out for bicycles weighing more than 25 kg or that have a speed of over 25 km/h with motor assistance.

Electric bike repair

Rental electric scooters – Expanded insurance obligation

After the reform, electric scooter operators will need to take out motor third party liability insurance for all their rental electric scooters regardless of weight.

If you have an electric mobility device used for business activities, please contact our corporate customer service.

Boy riding an electric scooter

What is covered by electric mobility device insurance?

In addition to motor third party liability insurance, you can also take out Semi Casco insurance for additional coverage.

Choose the right insurance for your mobility device Motor liability Semi Casco and Motor liability
Included Included

All If vehicle insurance policies include the statutory motor third party liability insurance. It covers:

  • personal injuries of all persons involved in the accident
  • damage to the other party’s vehicle and other property.

Casco insurance can provide coverage for your own vehicle.
Not included Included

We will cover damage occurring outside the EEA in Green Card agreement countries for which the driver of your device is personally liable to third parties. See the insurance terms and conditions for current exclusions.

The maximum amount of compensation for both personal and property damage is 250,000 euros, and your deductible is 500 euros. The liability cover covers trial costs relating to the use of your mobility device. The upper limit of the coverage is 10,000 euros, and your deductible is 20% of the cost, at least 200 euros.
Not included Included

If your mobility device is stolen or vandalised, we will cover the loss. We also cover fire damage caused by a fire or by thunder.

Your deductible is 200 euros.
Not included Included

If you collide with any animal, we will compensate you for damage to your mobility device from the collision. You just pay a 200 euros deductible.

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