In recent years, Germany has seen a surge in the popularity of electric micro-mobility vehicles like e-scooters and e-mopeds. These compact electric rides offer an eco-friendly, fast, and efficient way to navigate busy city streets. However, many riders overlook a critical aspect before hitting the road: insurance. I want to show you the best insurance for e-scooters and e-mopeds in Germany.
If you are unsure of your legal obligations or insurance needs as an e-scooter or e-moped owner, I’m here for you.
In this article, I will walk you through everything you need to know about insurance for e-scooters and e-mopeds in Germany. From mandatory coverage to optional add-ons and common mistakes to avoid, I will make sure you ride with full peace of mind.
Are E-Scooters and E-Mopeds Legally Treated the Same Way in Germany?
Not entirely. While both are classified as electric vehicles, German traffic laws distinguish between them based on maximum speed and engine power.
- E-Scooters: These are light electric vehicles with a maximum speed of 20 km/h. They fall under the category of “Elektrokleinstfahrzeuge” (small electric vehicles).
- E-Mopeds: These are typically more powerful and can exceed 20 km/h, sometimes reaching up to 45 km/h or more. They fall under moped classifications and thus require a license and helmet.
Just because of these differences, the insurance requirements for both vehicles also vary.
Is Insurance Mandatory for E-Scooters and E-Mopeds in Germany?
Yes, insurance is mandatory for both e-scooters and e-mopeds in Germany. You cannot ride legally on public roads without appropriate liability insurance.
According to the Federal Motor Transport Authority (KBA), riders must affix a valid insurance sticker (“Versicherungskennzeichen”) to the vehicle. This sticker acts as both your proof of insurance and your legal registration.
Also Read:
What Kind of Insurance Do You Need for E-Scooters in Germany?
If you own an e-scooter, at the very minimum, you need liability insurance (Haftpflichtversicherung). This covers damages or injuries caused to third parties.
While liability coverage is mandatory, most insurers also offer optional partial casco (Teilkasko) coverage, which includes:
- Theft or vandalism protection
- Fire and explosion coverage
- Natural hazards like storms or hail damage
Some insurers even offer full casco (Vollkasko) insurance, although it’s not common unless your e-scooter is high-end.
What Insurance Do You Need for E-Mopeds in Germany?
E-mopeds require slightly more comprehensive coverage, primarily because they have a higher risk of road accidents due to their speed.
Mandatory insurance includes:
Optional insurance includes:
- Partial casco (theft, weather damage, etc.)
- Full casco (accident damage, personal fault)
Additionally, since e-mopeds are classed similarly to motorbikes, you may need to meet other legal requirements like:
- Vehicle registration
- Road-worthiness certification
- A valid driving license (usually class AM or B)
What Is the Cost of E-Scooters and E-Mopeds Insurance in Germany?
Costs vary depending on several factors, including the vehicle type, your location, insurer, and whether you opt for additional coverage. Here’s a general breakdown:
- E-Scooters: Liability-only insurance costs between €20 and €60 annually.
- E-Mopeds: Liability insurance alone ranges from €50 to €100 annually, while partial or full casco can increase this to €150 or more.
In 2024, some of the most affordable e-scooter insurance plans were offered by HUK-Coburg, Allianz, and Wüstenrot. For e-mopeds, insurers like DA Direkt and R+V have competitive bundled packages.
Does Health Insurance Cover E-Scooter or E-Moped Accidents?
Only partially. German health insurance (gesetzliche Krankenversicherung or GKV) will generally cover emergency medical treatment following an accident. However, it does not cover:
- Long-term disability
- Income loss
- Legal liability
That’s why it’s advisable to complement your basic coverage with accident insurance or disability insurance.
What Happens if You Ride Without Insurance?
Riding an uninsured e-scooter or e-moped is a criminal offense in Germany. If caught, you can face:
- Heavy fines (up to €3,000)
- Vehicle confiscation
- Points on your driving license (if applicable)
Moreover, in the event of an accident, you will be personally liable for all damages and legal fees.
Also Read:
Are Foreigners Allowed to Insure E-Scooters in Germany?
Yes, but the vehicle must meet German legal requirements. Additionally, the insurer may require:
- Proof of residency
- German IBAN or SEPA-compatible bank account
- Valid ID or passport
If you are a tourist and plan to rent an e-scooter, the rental company’s policy usually includes liability insurance.
Can You Transfer Insurance When Changing Vehicles?
Most policies are vehicle-specific, not owner-specific. This means if you buy a new e-scooter, you will likely need to purchase a new insurance sticker and start a new policy term.
How to Choose the Right E-Scooter or E-Moped Insurance in Germany
To select the best coverage for your needs:
- Compare quotes from multiple insurers. Visit any of the insurance comparison websites in Germany or use the services of an independent broker.
- Consider optional add-ons if your vehicle is expensive or frequently used.
- Check for deductibles (Selbstbeteiligung) in casco policies.
- Look into claims handling reviews to evaluate insurer reliability.
Tax Considerations for E-Scooters and E-Mopeds Insurance in Germany
E-scooter insurance premiums are generally not tax-deductible. However, if you are self-employed and use the vehicle for business, you might be able to deduct insurance costs as business expenses.
Upcoming Trends: Will Insurance for E-Scooters Become Stricter?
Possibly. As accidents involving e-scooters increase in urban areas, lawmakers are considering more stringent regulations. In 2024 alone, 9,425 accidents involving e-scooters were reported by the police in Germany, many of which involved uninsured or underinsured vehicles. In 2023, the previous year, over 8,260 e-scooter accidents were reported by the German police.
Expect possible changes such as:
- Higher minimum coverage requirements
- More rigorous licensing or age requirements
- Tighter scrutiny on casco claims
Also Read:
Final Thoughts: Ride Smart, Insure Smarter
Riding an e-scooter or e-moped in Germany can be liberating, but it also comes with responsibilities. Having the right insurance policy is not just a legal formality – it’s a crucial safety net. Whether you’re a daily commuter in Berlin or a weekend rider in Munich, insuring your electric ride protects you financially and legally.
Always evaluate your needs and compare your options. And remember, cheaper isn’t always better if it compromises your peace of mind.