What Is Electric Scooter Insurance?

Name: Electic Scooter Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

Electric scooters are becoming increasingly popular. People are choosing e-scooters for their fuel economy, smooth performance and lower environmental impact.

Similar to any other two-wheeler, your electric scooter also needs insurance for legal and financial protection. The main reason behind this is the higher repair/replacement costs of electric vehicles.

Our electric moped insurance is designed to protect you and your vehicle against many unforeseen expenses. From third-party damages to own-damages and theft, IndusInd Electric Scooter Insurance covers your risks. We provide you with a safe and worry-free riding experience. Electric scooter insurance safeguards you against financial losses from damages caused/sustained by the insured electric scooter. It covers theft, third-party liabilities, fires and man-made and natural disasters.

This type of insurance plan is designed with the exclusive coverage needs of electric two-wheelers in mind.

Electric Scooty Insurance Plans By IndusInd General

IndusInd Third-Party EV Scooter Insurance Policy

It is a standard third-party insurance for electric scooters. It covers expenses resulting from third-party damages, losses, injuries and even deaths.

Benefits:

Coverage for third-party injuries, disablement and death.

Coverage for legal expenses.

IndusInd Comprehensive EV Scooter Insurance Policy

Our comprehensive insurance offers complete financial protection to the insured electric scooter. It covers own-damages and third-party liabilities. It also covers personal accidents—injuries, disabilities and death of the rider.

Benefits:

Coverage for third-party liabilities.

Coverage for own damage to insured scooter.

Personal accident cover.

No need to worry about annual renewals.

IndusInd Own Damage EV Scooter Insurance Policy

Standalone Own Damage (SAOD) scooter insurance protects your two-wheeler against accidental damage, theft, fire, and natural calamities like floods and storms. It can be purchased only with a valid third-party insurance policy.

Benefits:-
Helps cover repair expenses and provides financial protection against unexpected damages.

Key IndusInd Electric Scooter Insurance Features

Features	Details
Affordable Premiums	Our electric moped insurance plans start from just ₹18/month.
Network Garages	We have an extensive network of more than 11,000+ network facilities all over India.
24/7 Customer Support	We offer reliable and highly responsive 24*7 customer support to keep you stress-free.
Discounts	Enjoy up to 80% discounts on buying your EV scooter insurance policy online.
Personal Accident Cover	Offers up to ₹15 lakh coverage for personal accidents of owner-riders.
Add-Ons	10+ useful add-ons to enhance coverage of your insurance plan.
No Claim Bonus	Get up to 50% no-claims bonus discounts for your claim-free years.
IndusInd Insurance App	Buy/renew/claim your two-wheeler insurance anytime, anywhere, using the IndusInd Insurance App .

IndusInd E-Scooty Insurance - Inclusion & Exclusion

What is Covered?

Damages, death, accidental injuries of third parties.

Damages due to natural calamities like typhoons, cyclones, floods, earthquakes, etc.

Damages due to vandalism, riots, strikes, etc.

Theft

Road accidents/collisions

Additional coverage through available add-ons

What is Not Covered?

Normal wear and tear due to overuse.

Electrical failure.

Damages due to negligence.

Damages due to driving in an intoxicated state.

Damages due to war, nuclear risks.

Damages arising from violation of traffic regulations.

Claims made outside the policy period

Damages for driving outside the covered geographical region.

Disclaimer: Please check the official policy documents for detailed information about inclusions and exclusions under your plan.

Unsure Which Motor Policy Fits You?

Talk to Our Insurance Experts

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Types of Electric Scooter Insurance Policies

Third-Party Electric Scooter Insurance

Features & Benefits:

It is mandatory for every owner of a motor vehicle.

Not having this policy can lead to heavy fines and penalties.

It only covers the third-party damages/losses resulting from an insured electric vehicle.

Ideal For:

Mandatory for everyone.

Existing Own-Damage electric scooter insurance policyholders.

Own-damage Electric Scooter Insurance

Features & Benefits:

It offers financial protection for damages and losses incurred to the insured electric vehicle.

It does not cover third-party liabilities.

It can be customised with the help of available add-ons

Ideal For:

Experienced riders.

Existing e-scooter insurance policyholders.

Owners of high-end electric scooters looking for dedicated coverage.

Comprehensive Electric Scooter Insurance

Features & Benefits:

It covers comprehensive financial protection against own damage and third-party liabilities.

It offers a great scope of customisation.

It comes with personal accident cover for the owner-rider of the insured electric vehicle.

Ideal For:

New electric scooter owners.

E-scooter owners living in high-risk areas.

Those looking for complete financial protection under a single policy.

How To Buy/Renew Electric Scooter Insurance Online?

Buy Online

Step 1: Navigate to our homepage -> Explore Products -> Two-wheeler Insurance.

Step 2: Enter the registration number of your electric scooter along with your phone and email information.

Step 3: Click on “View Prices”.

Step 4: Choose a policy from the given options and customise it as per your requirements.

Step 5: Fill a few other details and pay the premium cost.

Renew Online

Step 1: Navigate to our homepage -> Renewal -> Renew Two-wheeler Insurance.

Step 2: Enter your existing electric moped insurance policy number. Alternatively, you can also use your mobile number and email ID.

Step 3: Click on “Go”.

Step 4: Verify the plan details and make necessary adjustments with the help of add-ons.

Step 5: Pay the renewal cost. Don’t forget to apply any no-claims discounts you may have accumulated during the last tenure.

Benefits of Buying/Renewing E-Scooty Insurance Online

Instant Issuance

Instant policy issuance is the primary benefit of buying/renewing e-scooter insurance online. No need to go through a time-consuming verification and vehicle inspection process.

Paperless Purchase

Buying/renewing e-scooter insurance online does not involve any paperwork. We offer a paperless digital process for your ease and added convenience.

Attractive Discounts

Up to 80%* discounts are available on buying/renewing insurance for electric scooters through our website or mobile application. If you want to lower your premiums, buy online.

Saves Time

Purchasing electric scooter insurance online saves a lot of time. You can buy/renew any policy in minutes without having to go through a tedious purchase process.

Easy Policy Management

Managing insurance policies online is very hassle-free. You can save your electric scooter insurance plan in a digital format and use it anywhere. You can also stay updated about any changes and modifications through timely updates.

Things to Keep in Mind While Buying an Electric Scooter Insurance

Type of Policy

Purchasing the right policy is crucial for achieving the desired financial protection. Hence, choose an insurance policy. Keep in mind factors like market price, usage, risk factors, budget and location.

Claims Settlement Process

The claims settlement process is a critical factor to consider when purchasing insurance for electric scooters. Make sure that the settlement process is simple and reliable.

Network Garages

The availability of network garages ensures quick and reliable repairs/replacements after facing a covered event. Hence, make sure that network garages are easily accessible.

Premium

It is always better to estimate your electric scooter insurance price before finalising a policy. To learn about your premiums, use our two-wheeler insurance premium calculator.

Scope of Customisation

When purchasing electric scooter insurance online, ensure that the plan is customisable through add-ons. Make sure that there are enough electric vehicle add-ons available.

How To Calculate Electric Scooty Insurance Premium?

Step

Visit our bike insurance premium calculator.

Step

Enter your electric scooter’s registration number, followed by your email and mobile number.

Step

Click on “Check Our Prices” after ticking the terms and conditions box.

Third-party Insurance Price for Electric Scooters

The IRDAI decides the electric scooter's third-party insurance price based on the kilowatt capacity of the vehicle. Here is a table showing third-party insurance prices for single and multi-year policies.

Kilowatt Capacity	1-Year Policy Premium	5-Year Policy Premiums
Below 3 kW	₹457	₹2,466
Above 3 kW but below 7 kW	₹607	₹3,273
Above 7 kW but below 16 kW	₹1,161	₹6,260
Above 16 kW	₹2,383	₹12,849

Factors Affecting Electric Scooter Insurance Premiums

Make and Model

It is the biggest factor influencing electric scooter insurance premiums. High-end and premium electric scooters with advanced features attract higher premiums due to their higher market value and repair cost. Conversely, insurance for economic models comes at a lower price.

Year of Manufacturing

Age or year of manufacturing of your e-bike is also taken into account when calculating the premium cost. Generally, latest models attract higher premiums due to their increased market value. On the other hand, premiums are lower for older models due to their depreciation.

Installation of Safety Devices

The installation of safety devices, such as anti-theft devices and motion sensors, reduces your risk of financial loss. As a result, you can reduce your EV insurance premiums.

Add-on Cover

The number of add-ons in your electric moped insurance plan can increase your premiums. However, they are exceptional at increasing coverage of your policy.

Annual Vs Multi-Year Policy

Electric scooty insurance price for 1 year is usually lower than that of multi-year and long-term policies. However, you can avail yourself of heavy discounts when buying multi-year policies.

Type of Policy

The selection of a two-wheeler insurance policy can also impact your premium cost. For example, electric scooty insurance third-party price is decided by the IRDAI based on the battery capacity. It is usually lower than comprehensive EV scooter plans.

How to Claim Electric Scooty Insurance at IndusInd General

Process to Claim

Step 1: First and foremost, register your insurance claim for scooty within 24 hours of facing covered damage. You can do this by calling our claims department at +91-22-4890-3008. You can also register your claim using our IndusInd Insurance app.

Step 2: The next important step is to submit all the required documents along with a complete claims form either online or by visiting our branch.

Step 3: After your documents are received, our surveyor will inspect your vehicle before approving.

Step 4: Once your claim has been approved, you can proceed with a cashless or reimbursement process, depending on your preferences.

For Cashless Settlement

You can get your EV scooter repaired cashless at our network garages. You only pay the deductibles, and we settle your expenses directly at the network garage.

For Cash Reimbursement

You can get your electric scooter repaired anywhere and get your expenses reimbursed by submitting the original invoices.

Documents Required for Filing Electric Scooter Insurance Claim

A duly filled and attested claims form.

A copy of your registration certificate.

A copy of e-scooter insurance policy documents.

Driving Licence

A copy of FIR (in case of liabilities/theft)

Electric Scooter Insurance vs Traditional Scooter Insurance

Features	Electric Scooter Insurance	Traditional Scooter Insurance
Premiums	Can be slightly higher due to the higher repair/replacement cost of electric vehicles in the country.	Premiums can vary based on the type, age, model, etc., of the vehicle. Moreover, premiums for classic scooter insurance are also higher.
Repair Cost	Repair costs of electric scooters can be higher, especially for their electric components. This can also be due to limited availability of electric vehicle repair facilities.	Repair costs of traditional scooters are lower than electric scooters because of easy availability of repair parts and repair facilities.
Claim Process	Same as traditional scooter insurance.	Claims can be settled cashlessly or reimbursed in cash.
Legal Requirement	Yes	Yes

Scooter insurance starting at just ₹18 per month*

Secure Your Scooter Instantly!

Quick online services and round-the-clock support guarantee peace of mind wherever you ride!*

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Total Average Rating

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4.9 ★ ★ ★ ★ ★ (52)

Murali Krishna Alla

West Godavari

Quick policy issuance

The journey of purchasing Bike insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Kunta Naveen

Vizianagaram

Quick policy issuance

Buying a Bike policy through the platform was straightforward and quick. I felt that my protection needs were well addressed with this policy.

Viral Kumarvinu Bhai Patel

Vadodara

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time. I'm happy with how everything went and feel secure with my policy.

Kuldeep Singh

Shahjahanpur

Quick policy issuance

I recently purchased my Bike insurance and found the experience very smooth. I felt that my protection needs were well addressed with this policy.

Sandeep Kumar

Raichur

Quick policy issuance

Buying a Bike policy through the platform from Reliance (now IndusInd) was straightforward and quick. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons.

Palepuni Raja

Nizamabad

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I recently purchased my Bike insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs. The process felt reliable and I would recommend it to others.

Harish S

Nilgiris

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Buying a Bike policy through the platform from Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Aravinthsarathy B

Nagapattinam

Quick policy issuance

The journey of purchasing Bike insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Dhananjay Nair

Kanyakumari

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From start to finish, the process of getting my Bike insurance from Reliance (now IndusInd) was convenient. I felt that my protection needs were well addressed with this policy. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Rosan Patel

Jharsuguda

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Surendra Kumar Sain

Jhansi

4.5

Value for money

I recently purchased my Bike insurance and found the experience very smooth. I'm happy with how everything went, product offering is fine.

Kulamatiadi Venkat Rama Appa Rao

Hyderabad

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance General Insurance (now IndusInd General Insurance) was convenient. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras.

Uma Devirallabandi

Hyderabad

Quick policy issuance

I had a positive overall experience while applying for Bike insurance. The coverage provided matches my expectations and feels comprehensive.

Raj Kumar Goudburu

Hyderabad

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I had a positive overall experience while applying for Bike insurance from Reliance Insurance Company (now IndusInd Insurance Company). I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Vijay Maken

Gurgaon

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I recently purchased my Bike insurance and found the experience very smooth. It aligns well with what I needed from an insurance policy.

Manish Kumar Yadav

Gonda

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Arun Jain

Faridabad

Quick policy issuance

I recently purchased my Bike insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. The convenience and clarity made this a good experience.

Sandip Chandrakant Mali

Dhule

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.

Jashobanta Parida

Dhenkanal

Quick policy issuance

The journey of purchasing Bike insurance felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy.

Subrata Kumarsahani

Cuttack

Quick policy issuance

Buying a Bike policy through the platform of Reliance Insurance Company (now IndusInd Insurance Company) was straightforward and quick. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.

Janet Joshikad

Coimbatore

Quick policy issuance

Buying a Bike policy through the platform was straightforward and quick. The plan offered exactly the type of coverage I was expecting.

Sathiamourthy Priya

Coimbatore

Seamless digital experience

The journey of purchasing Bike insurance felt effortless and user-friendly. The policy coverage and offerings do not match my requirements.

Hiren Kumar Raju Bhai Tailor

Bharuch

Quick policy issuance

I had a positive overall experience while applying for Bike insurance Reliance Insurance (now IndusInd Insurance). The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras.

Abhishek Neelakantachar

Bengaluru

Quick policy issuance

I recently purchased my Bike insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Guru Nathakooni

Bengaluru

Quick policy issuance

From start to finish, the process of getting my Bike insurance was convenient. It met my requirements well and felt tailored to my needs.

Aniket Rai

Bengaluru

Quick policy issuance

The journey of purchasing Bike insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.

Aneesh Krishnan Nair

Bengaluru

Quick policy issuance

From start to finish, the process of getting my Bike insurance from Reliance Insurance (now IndusInd Insurance) was convenient. It met my requirements well and felt tailored to my needs. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Madhava Rao Nagesh Rao

Bengaluru

Quick policy issuance

The journey of purchasing Bike insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Vinita Jain

Ahmedabad

Quick policy issuance

I recently purchased my Bike insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Rupesh Pandurang Khamgaonkar

THANE

Seamless digital experience

Getting my IndusInd two-wheeler insurance policy online was a breeze with a quick step-by-step guide to take me through the process.

Mr Javed Khan Maheboob Khan Pathan

NILANGA

Value for money

My bike is used only for nearby rides, so I wanted simple protection at a sensible price. The plan matched that without feeling costly.

Hemanth Kumar

MAGADI

Easy application

I wanted my RC and insurance papers together on my phone. After finishing the form, I downloaded the copy and saved it with my vehicle documents.

Manoj Kumar Modi

ANGUL

Seamless digital experience

I remembered the scooter renewal after dinner and finished it from home. The steps were short, and the document was ready without any delay.

Sanjaykumar Rajkumar Menase

AKKALKOT

Quick policy issuance

My two-wheeler insurance policy was issued instantly after payment completion.

Vikas Savlani

DAMOH

Easy application

Had a very smooth experience applying for the policy online.

Himanshu Kumar

CHANDI

Easy application

I was a little unsure while entering the registration number, but the steps were simple. I filled it carefully and got the insurance copy soon after.

Govindji Turam Suthar

MUMBAI

Quick policy issuance

I wanted all my bike papers updated before the month-end. I renewed online and downloaded the insurance copy right away.

Satinder Singh

GURGAON

Seamless digital experience

I usually delay insurance work because it feels boring, but this was not confusing. I followed the steps slowly and finished it myself.

Manoj Hirabhai Chudasama

BHAVNAGAR

Easy application

I compared options for my scooter and chose one that did not add things I would never use. The amount felt right for daily local travel.

Nagavenkata Basava Subbareddyped

TIRUMALAGIRI

Easy application

I renewed my two-wheeler insurance during a small break at work. Everything opened properly on my phone, and I did not need to call anyone.

Bonkanpally Raghupathi

NIZAMABAD

Value for money

My scooter is used mostly for quick nearby work, so I wanted the insurance done without much effort. The form was short, and I was able to complete it easily on my phone.

Deepa R

COIMBATORE SOUTH

Quick Policy Issuance

I had taken a second-hand scooter and wanted the insurance sorted properly. The steps were clear, and I could update the details without getting stuck.

S M Karunya Krishna

CHITTOOR

Quick Policy Issuance

I realised my bike insurance had expired while keeping my vehicle papers ready. I renewed it online and got the copy within minutes.

Shivappa Nayakar

BANGALORE NORTH

Quick Policy Issuance

I had to go out urgently and wanted to be sure my bike insurance was active. The message came soon after payment, which gave me peace of mind.

Vimala V

PUZHITHIVAKKAM

Seamless Digital Experience

Our scooter is used by everyone at home for small work nearby. I wanted the insurance active, and the online process was quick enough to finish from home.

Payal Priyadarshani Nath

HYDERABAD

Quick Policy Issuance

I remembered my bike insurance renewal while I was outside. I completed it on my phone and saved the document before riding back.

Murthy Lakshminarasimha Dasari

RAJENDRANAGAR

Seamless digital experience

I forgot about the renewal till the last day. I completed it in the evening and got the policy message quickly, so I could ride the next morning.

Kiran Tanguturi Kumar

PRODDATUR

Value for money

My bike is mainly for office and small errands. I didn't want a heavy premium, and the cover felt enough for my daily riding.

Ramesh Kumar Ramjas Shukla

MUMBAI

Quick policy issuance

I didn't have all my documents handy, but the form only required basic bike details, which made it easy to complete.

Diddi Ramesh

HYDERABAD

Easy application

I don't ride long distances, so I wanted a normal plan for city use. The price felt reasonable for the kind of protection I needed.

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Frequently Asked Questions (FAQs)

Is there any insurance for electric scooters?

Yes, electric scooter insurance is available and mandatory by law in India for vehicles above 25 km/h speed and 250 watts of power. IndusInd General Insurance offers comprehensive coverage for electric scooters, including battery protection, motor coverage and charger protection. We offer both third-party and comprehensive insurance plans, along with special add-ons for electric vehicles, providing complete protection.

Should I get scooter insurance?

Yes, you should definitely get electric scooter insurance because it is legally mandatory and protects your investment completely. Insurance covers repair costs after accidents, theft protection, natural disaster damage and third-party liability expenses that can cost lakhs. Without insurance, you face heavy fines ranging from ₹2000-₹4000 and pay all repair costs from your own pocket.

Can I transfer my insurance to the new owner?

Yes, when you properly sell your electric bike, you can provide the new owner with your insurance policy. The transfer process requires submitting transfer forms, new owner details and paying nominal transfer fees to the insurance company. This ensures continuous coverage for the new owner and protects them from legal issues while riding the scooter.

What is the cost of scooter insurance?

Electric scooter insurance costs depend on your vehicle's price, age, location and the coverage type you choose for protection. The yearly premium for basic third-party insurance begins at a few hundred rupees, whereas the premium for comprehensive coverage is higher but offers superior protection. At IndusInd General Insurance, we offer competitive premium rates with flexible payment options and multiple coverage plans.

How long does claim settlement take?

Claim settlement typically takes 7-15 working days after submitting all required documents and completing damage assessment procedures. For cashless claims at network garages, approval is typically received within 24-48 hours, allowing repairs to commence immediately without delay. We process reimbursement claims quickly once you submit proper bills, invoices and supporting documents for your electric scooter repairs.

What documents are needed for insurance?

You need your electric scooter's registration certificate, driving license, Aadhaar card, PAN card and previous insurance policy documents. For new purchases, please provide the invoice, temporary registration, and identity proofs to facilitate policy creation and processing. The criteria of your particular insurance plan may require the submission of additional papers, such as proof of residence and a certificate from the Public Utility Commission (PUC).