Liability insurance for e-scooter & light vehicle

As of December 1, 2024, some unregistered personal light electric vehicles must also have motor insurance.

Check out if you should get insurance for your e-scooter, self-balancing vehicle or light moped.

As of December 1, 2024, personal light vehicles with weight of over 25 kg and design speed of 14 to 25 km/h are subject to motor third-party liability insurance.

Which personal light vehicles need motor third-party liability insurance?

Check out examples of personal light vehicles that require liability insurance and those that do not. For the best overview of which vehicles require motor third-party liability insurance, please visit the website of the Estonian Motor Insurance Bureau.

Liability insurance may be required for
- e-scooters
- light mopeds with power of up to 1 kW
- self-balancing vehicles (scooters, hoverboards)
- forklifts and other work machines
- lawn tractors, riding lawn mowers if used outside one’s own property
Liability insurance is not required for
- vehicles temporarily deleted from the motor register
- wheelchairs of persons with special needs
- vehicles not registered in the motor register, used exclusively in areas closed to public traffic and outside road traffic

Find out from the website of the Estonian Motor Insurance Bureau, if you need insurance

How to get insurance for a personal light vehicle?

If you discover that you should get motor third-party liability insurance for your personal light vehicle, please contact us at info@if.ee.

For concluding the contract, please send us

the name and ID code of the owner of the personal light vehicle
the unique serial number of the vehicle
the make/model of the vehicle

We will conclude a motor third-party liability insurance contract if your vehicle is subject to insurance obligation pursuant to the Motor Insurance Act.

E-scooters with weight of over 25 kg and design speed of 14 to 25 km/h need the motor third-party liability insurance as of December 1, 2024.

Motor third-party liability insurance has no separate terms and conditions. Motor third-party liability insurance is governed by the Motor Insurance Act. Please also read the motor third-party liability insurance information document.

Important: if the design speed of a vehicle is over 25 km/h, a personal light vehicle must be registered at the Estonian Transport Administration.