Insuring Your Electric Scooter
Better for the environment, lower maintenance costs, no road tax. An e-scooter has many advantages. One thing, however, is the same as with a gas-powered scooter: you need scooter insurance. Fortunately, you can get it sorted in just a few minutes on Alpina.nl, so you’ll be well insured and ready to hit the road in no time.
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Your scooter insurance coverage
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Third-Party Liability (Mandatory)
- Damage to others
- Theft and Fire Damage
- Damage to Your Own Scooter
Third-Party Liability, Theft, and Fire
- Damage to others
- Theft and Fire Damage
- Damage to Your Own Scooter
Third-Party Liability: Theft, Fire, and Collision
- Damage to others
- Theft and Fire Damage
- Damage to Your Own Scooter
The Cheapest Liability Insurance in 2026
| Insurance Company | Coverage | Price per month | Own risk |
|---|---|---|---|
| Unigarant | WA | €14,30 | N/A |
| Nationale-Nederlanden | WA | €22,25 | N/A |
Insuring an E-Scooter
Are you the proud owner of an electric scooter? If so, you must insure your electric scooter as soon as the license plate is registered in your name. You can choose from three different coverage options: Third-Party Liability, Third-Party Liability + Theft and Fire, or Third-Party Liability + Theft, Fire, and Collision.
Civil Liability (WA)
Third-party liability insurance is mandatory and forms the basis of your electric scooter insurance. Third-party liability insurance covers damage to others. This means you’re insured for damage you cause to someone else. Both bodily injury and property damage are covered. This is also the most affordable insurance option for an electric scooter. Would you like to include coverage for damage to your own scooter as well? If so, you can opt for more comprehensive coverage.
Liability + Theft and Fire
With this coverage (similar to third-party liability and limited comprehensive coverage in auto insurance), theft and fire damage are covered in addition to liability claims. Damage to your scooter that you caused yourself is not covered under this policy.
Liability + Theft, Fire, and Collision
This is the most comprehensive coverage available for electric scooter insurance, also known as all-risk coverage. With all-risk scooter insurance, damage to your own scooter caused by your own fault—for example, in a collision—is also covered. Even if your scooter is a total loss, this is covered. A modified scooter is never covered under this insurance policy.
You can expand your scooter insurance coverage with a number of additional coverages, such as roadside assistance, passenger insurance, and traffic legal assistance.
Additional Coverage for Greater Peace of Mind
In addition to choosing the right coverage for your scooter insurance, you can also purchase various supplemental insurance policies in addition to the basic coverage.
Accidental occupants
Legal Aid
Electric Scooter Insurance Costs
The cost of electric scooter insurance depends on a number of factors, such as:
- The Desired Coverage
- Age of the regular driver
- Your place of residence
- The number ofclaim-free years accumulated
- New value of the scooter
On Alpina.nl, you can use our online tool to get an estimate of your premium.
Electric Scooters and Accident-Free Years
During the term of your electric scooter insurance policy, you accumulate claim-free years. For each year that you do not file a claim with the insurer, you earn one claim-free year. The more claim-free years you accumulate, the higher your no-claim discount becomes. The more claim-free years you have, the greater the discount on your premium.
If you file a claim, it may affect your no-claims record and could cause your premium to increase. So it pays to drive carefully and, if possible, pay for minor damages yourself to maintain your no-claims record.
Compare Electric Scooter Insurance
Before you purchase insurance for an electric scooter, it’s a good idea to compare different providers. Insurance for an e-scooter is often more expensive than insurance for a scooter with a traditional internal combustion engine. This is due to the higher purchase price of an electric scooter, which also increases the risk of theft. The higher repair costs for an electric scooter also play a role.
That’s why it’s important to compare different insurers beforehand. That way, you can find the best and most affordable insurance for your electric scooter. You can easily compare insurance policies on Alpina.nl. This way, you’ll find the right insurance for every type of scooter and can hit the road with peace of mind.
Do you have any questions about comparing or purchasing electric scooter insurance? Please feel freeto contactus.
Frequently Asked Questions About Electric Scooter Insurance
Do I need to insure my electric scooter?
Yes, in the Netherlands, it is mandatory to insure a scooter. This also applies to electric scooters. You are not allowed to ride your scooter on public roads without scooter insurance. When insuring your electric scooter, you can choose from various coverage options. With third-party liability coverage, you are insured for damage you cause to others. This is the minimum required coverage.
Is insurance for an electric scooter more expensive?
Yes, an electric scooter is often more expensive to insure than a gas-powered scooter because its purchase price is higher and there is a greater risk of theft and costly battery repairs. The premium is also influenced by factors such as the coverage, the age of the youngest driver, the number of claim-free years, and your place of residence. So you’ll often pay a higher premium than you would for a gas-powered scooter. On Alpina.nl, you can easily get an estimate of your premium.
Do you have to pay road tax on an electric scooter?
No, you don't have to pay road tax for an e-scooter.
What kind of lock do I need for an electric scooter?
It’s important to have a good lock for your electric scooter. There are several types of locks you can use, such as a chain or cable lock, a steering lock, or an alarm lock. It’s also important to choose a lock that’s suitable for your scooter and meets safety standards. Insurance companies accept locks that are ART-approved.
Always lock your scooter with an ART-approved lock
It’s a good idea to lock your scooter, whether it’s inside or outside the garage or shed. This will help prevent your scooter from being stolen. All insurance companies in the Netherlands require that you lock your insured scooter and that you can produce both original keys if your scooter is stolen. This is to demonstrate that you took all necessary precautions to prevent your scooter from being stolen. Check the Stichting ART website to see if your lock is ART-approved.
What is the cheapest electric scooter insurance?
You can find the cheapest electric scooter insurance by comparing different providers. The cost depends on a number of factors, such as the scope of coverage, the age of the primary driver, the replacement value of the e-scooter, and your number of claim-free years. You can easily compare insurance policies on Alpina.nl using our online tool. This way, you can immediately find the cheapest electric scooter insurance.
You choose your basic coverage yourself. You can then expand your basic coverage to include, for example, legal assistance and roadside assistance. You can also insure accessories, such as a helmet. This way, you have control over the costs.
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