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Is Insurance Mandatory for Electric Scooters in India?

Nikhila PSMay 27, 2026

Yes, insurance for electric scooters in India is mandatory, but it generally depends on the top speed and motor capacity of the vehicle. Low-speed electric scooters with a maximum speed of 25 kmph or less and a power limit of 250W are exempt from the mandatory third party insurance. However, getting insurance is always recommended, as it helps cover repair costs, accidental damage, and financial liabilities, especially for high-value, high-performance electric scooters used on Indian roads.

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Contents

What are the Rules for Electric Scooter Insurance in India?
- 1. High-Speed Electric Scooters
- 2. Low-Speed Electric Scooters
What are the Benefits of Choosing Insurance for Your Electric Two-wheeler?
What’s Covered Under Electric Scooty Insurance?
Third-Party Electric Scooter Insurance List in India
Final Thoughts
Frequently Asked Questions

What are the Rules for Electric Scooter Insurance in India?

According to the Ministry of Heavy Industries, more than 10,000 EV-related accidents occurred in India in 2025. Furthermore, as reported by The Times of India, unregistered e-scooters have posed a greater fire risk in several cities due to poor-quality batteries.

So, if you are confused about the insurance rules to decide whether to buy a two-wheeler plan, check the rules listed below:

1. High-Speed Electric Scooters

Third-Party Insurance is compulsorily required as per the provisions of the Motor Vehicles Act if an electric two-wheeler has a top speed greater than 25 km/hr and/or motor power of more than 250 W. One could alternatively choose comprehensive insurance if one wants coverage for theft or damage to the battery component.

2. Low-Speed Electric Scooters

On the contrary, the Indian Government has removed any significant entry barriers for the "low-speed" categories. Any electric scooter with a maximum speed of 25 km/hr, powered by a motor below 250 W, is exempt from registration and compulsory insurance requirements.

What are the Benefits of Choosing Insurance for Your Electric Two-wheeler?

Find below the benefits of choosing an electric scooter insurance online:

1.Cost effective

The price of electric scooter insurance is low compared to repair costs. Online policies are also available with discounts and easy-to-compare options. For this, buyers can save money and avail enhanced protection.

2.Financial Assistance

Insurance protects against costs resulting from accidents, theft, fire, flooding or battery damage. Between 2023 and 2025, India recorded approximately 23,800 EV-related accidents. So, to safeguard yourself and any third parties, the insurance acts as a shield for your finances.

3.Complying with Legal Norms

Even though getting a stand-alone insurance may not be mandatory, the Motor Vehicles Act mandates third-party insurance for high-speed electric scooters. Hence, without third-party insurance, you might face penalties and legal issues on the road.

4.Faster Claim Settlement

Many insurers now offer online claim filing, cashless garage facilities, and quicker settlement processes. This helps electric two-wheeler owners save time, reduce repair delays, and access hassle-free support during emergencies or accidental damage.

5.Scope of Enhancing Insurance Coverage

Policyholders can customise their insurance with add-ons such as battery protection, roadside assistance, zero depreciation, and charger cover. These additional benefits provide broader financial protection and better support for electric scooter-related expenses.

What’s Covered Under Electric Scooty Insurance?

Before buying a comprehensive two-wheeler insurance for a high-speed electric scooter, read the coverage below:

1.Theft of a Vehicle

If your electric scooter is stolen, choosing the right insurance coverage can help cover financial losses. The insurance company pays based on the insured's declared value (IDV). For instance, if an e-scooter is stolen from a shopping mall while it is parked, a policy can save you.

2.Road Accidents

Can you afford repair expenses after a sudden road accident? Comprehensive car insurance protects against damage resulting from collisions, skidding, or crashes. It covers the costs of repairing or replacing damaged parts.

3.Explosions

Electric scooty insurance also protects against damage or injury resulting from battery explosion or accidental fire. If an EV battery malfunctions during charging, the insurance company covers repair costs.

4.Natural/Man-made Calamities

Losses caused by floods, cyclones, earthquakes, riots, vandalism, or fire are usually considered covered under the policy.

5.Third Party Loss

Mandatory third-party insurance protects an individual against property damage, injuries, and death resulting from an accident involving an electric scooter.

6.Personal Accident Cover

This cover offers benefits to the rider if they are disabled, injured or killed in a road accident.

Third-Party Electric Scooter Insurance List in India

In India, mandatory Third-Party Insurance premium rates for electric two-wheelers are standardised and regulated by the Insurance Regulatory and Development Authority of India (IRDAI). IRDAI offers a 15% discount on third-party premiums for electric vehicles compared to conventional petrol vehicles to incentivise clean mobility.

So, check the table below to get the details of the insurance prices:

Motor Power Capacity	Annual Third-Party Premium Rate	Type of E-Scooters
Not exceeding 3 kW	₹457	Entry-level city commuters / lighter electric scooters
Exceeding 3 kW but not exceeding 7 kW	₹607	Popular mid-range premium scooters (e.g., Ather 450X, Ola S1 Pro, TVS iQube)
Exceeding 7 kW	₹1,161	High-performance electric motorcycles and maxi-scooters

Final Thoughts

Overall, purchasing an electric scooter insurance is mandatory only for high-speed scooters. However, every two-wheeler owner is always advised to buy insurance to keep them financially protected if they face any accident, battery issue of the scooter or its breakdown.

Getting a comprehensive scooter insurance plan from insurers like ACKO General Insurance offers extensive coverage at an affordable price. Moreover, ACKO offers a smooth digital experience, including quick policy purchase, easy renewals, and hassle-free claim support. This makes it a convenient choice for electric scooter owners.

Frequently Asked Questions

Mostly Asked Questions on Is Insurance Mandatory for Electric Scooters in India

How does the premium for an electric scooter differ when compared with petrol-powered scooters?

Premiums for electric scooters are comparatively lower due to their low risk profile and lower top speeds. Although rates might differ from one insurer to another, there are details for coverage.

Can I buy two-wheeler insurance for my electric bike from the insurance company directly instead of the dealer?

Yes, you can buy the electric two-wheeler insurance online by visiting the official website or navigating the mobile app. Enter your bike details, choose the preferred plan, and pay the premium amount online to ensure your bike is instantly insured.

How can I buy the insurance for an electric scooter online?

Purchasing insurance for an electric scooter online is easy. Visit the insurer's website or apps. Provide vehicle information, compare plans, select any add-ons, and complete the entire process and payment within minutes.

What is the average price of insurance for electric scooters in India?

The price of electric scooter insurance is determined by numerous factors, including the type of coverage selected, the electric scooter model, the battery's value, the city, and additional add-ons.

Generally, comprehensive plans are more than only third-party plans. However, comprehensive coverage offers a higher level of protection, while basic third-party plans are less costly.

Is it possible to buy insurance for an electric scooter without registration?

Yes, there are several insurers offering insurance for electric scooters without registration. While low-speed e-scooters are not legally required to have insurance, it can help protect against theft, accidental damage, fire, and repair costs.