E-Scooter Insurance Badge: Your guide for safe and legal rides 2025
27 May 2025
11
Minutes
Katrin Straub
CEO at nextsure
Would you like to set off worry-free with your e-scooter, but have questions about insurance and registration details? Don't worry, this guide will make you an expert in a few minutes. Learn how to avoid fines and enjoy optimal protection.
The topic in brief and concise terms
A liability insurance with a number plate (insurance badge) is legally required in Germany for e-scooters up to 20 km/h (eKFV).
The cost of liability insurance for an e-scooter starts at approximately 20-40 euros annually; partial coverage is optional and incurs an additional cost.
Driving without a valid insurance indicator is a criminal offence and can result in a fine or imprisonment; in addition, there is unlimited personal liability for damages.
The Foundation: Why an E-Scooter Insurance with Number Plate is Essential
Every e-scooter participating in public road traffic requires liability insurance. This is evidenced by an insurance plate, a self-adhesive sticker. The legal basis for this is the Small Electric Vehicle Regulation (eKFV), which has been in effect since 15 June 2019. This regulation applies to all e-scooters with a design-related maximum speed of up to 20 kilometres per hour. Without this plate, use is illegal and can be expensive. The insurance sticker must be visibly affixed to the rear of the e-scooter. The insurance requirement serves to protect all road users, as it covers damages you may cause to others. A breach of the insurance requirement is not a minor offence, but a criminal act under the Compulsory Insurance Act. This lays the foundation for a safe ride, but how do you get the coveted plate?
Quick and easy for protection: How to get your e-scooter license plate
The path to getting an e-scooter number plate is straightforward and usually completed in just a few steps. Many insurers offer online services for this, and you often receive the sticker within one to three working days by post. Generally, to complete this process, you'll need the General Operating Permit (ABE) or an Individual Operating Permit (EBE) for your e-scooter. These documents confirm that your vehicle meets the technical requirements. The costs for basic liability insurance often start at under 30 euros per year. Some providers also allow for the direct acquisition of the number plate at a branch office. Check the delivery time if you want to use your e-scooter immediately. The insurance year for e-scooters always begins on the first of March and ends on the last day of February the following year. The colour of the sticker changes annually to allow for quick checks. For the insurance year 2025/2026, the colour is green, for instance. With the right e-scooter insurance cover, you're ready to go, but what exactly will it cost you?
Keeping an Eye on Costs: What an E-Scooter Insurance Really Costs
The cost of e-scooter insurance varies depending on the provider and the scope of coverage. A pure liability insurance is already available from about 20 to 40 euros per year. For drivers under 23 years of age, premiums can be somewhat higher with some insurers, often by five to ten euros. A partial coverage insurance, which additionally covers damage to your own e-scooter such as theft or vandalism, usually costs between 20 and 50 euros extra per year. An insurance comparison for e-scooters is worthwhile to find the best value for money. Note that with partial coverage, a deductible of, for example, 150 euros is often agreed in case of a claim. The coverage amount in liability should be sufficiently high; many providers offer up to 100 million euros here. This investment in protection is small compared to the potential financial consequences of an accident without insurance.
Check additional services and tariff details
Aside from the price, you should also carefully review the details of the insurance policy. Here is a small checklist of what you should pay attention to:
Liability coverage amount (at least several million euros).
Scope of partial coverage (theft, vandalism, natural disasters).
Amount of the deductible in partial coverage.
Coverage area (Europe or worldwide).
Services offered by the insurer (availability, claims handling).
Special conditions for young drivers (under 23 or 25 years).
Possibility of termination within the year upon sale of the e-scooter.
Careful selection ensures not only a favorable contribution but also reliable protection in the event of an emergency. But what happens if you ignore the insurance obligation?
Risk of Driving Without Protection: Consequences of Missing Insurance Tags
Riding an e-scooter without a valid insurance license plate is not a minor offense. It constitutes a criminal act under Paragraph six of the Mandatory Insurance Act. Severe penalties are threatened here, ranging from a fine to imprisonment for up to one year. Additionally, points can be accrued in Flensburg. If only the insurance sticker is missing, despite insurance being in place, a warning fine of 40 euros is due. If the e-scooter is operated in public traffic without the required General Operating Permit (GOP), a fine of 70 euros may be imposed. The financial consequences of an accident without insurance coverage can be existentially threatening. You are then liable for all personal and property damages caused with your entire private assets. Considering these risks, the small annual premium for mobility insurance is well-invested money. Comprehensive protection, however, goes beyond mere liability.
More than just a requirement: Meaningful additional options like comprehensive insurance
The mandatory liability insurance covers damages that you cause to others. But what about damage to your own e-scooter? This is where partial comprehensive insurance comes into play. Although it is not mandatory, it is often highly recommended, especially for high-end models. A partial comprehensive insurance typically covers costs in case of theft, fire, short circuit, or damage caused by natural events such as storms and hail. The costs for partial comprehensive insurance often start at an additional 20 Euros per year. Especially in cities with high theft rates, partial comprehensive insurance can quickly pay off. Many insurers offer policies with or without an excess; a typical excess is around 150 Euros. Some policies even cover damage to the battery, sometimes with new price compensation within the first 24 months. Weigh up the value of your e-scooter and the individual risk to decide whether insurance for small vehicles with partial comprehensive coverage is sensible for you. Expert advice is often invaluable for making an informed decision.
Expert knowledge in brief: Legal intricacies and current tips on e-scooter insurance
The legal classification of e-scooters is governed by the Elektrokleinstfahrzeuge-Verordnung (eKFV). This regulation covers, among other things, the technical requirements and insurance obligation. An important aspect is the aforementioned General Operating Permit (ABE), without which an e-scooter cannot be used legally on the road and thus cannot be insured. When purchasing an e-scooter, make sure that this ABE is present. The minimum age for operating an e-scooter is 14 years; a driving licence is not required. There is no legal helmet requirement, but it is strongly recommended, as significant injuries are possible in falls even at speeds of around 20 kilometres per hour. Our expert tip: Before travelling abroad, check whether your German insurance cover is recognised there and what national regulations apply. Within the EU, German third-party insurance is usually valid, but it is advisable to carry the International Insurance Card. In the event of an accident, it is important, as with any other traffic accident, to call the police, especially if there are personal injuries or unclear liability issues. Document the damage and inform your insurance company immediately. For comprehensive coverage, a general motor vehicle liability for other vehicles may also be relevant if you use more than just e-scooters.
Current Rulings and Particularities
Court decisions can influence the legal situation. For example, the Austrian Supreme Court (OGH) has ruled that accidents with e-scooters on the way to work may not be covered by statutory accident insurance, as e-scooters could be classified as trend sports equipment. [1] This highlights the importance of private accident and liability insurance. In Germany, driving under the influence of alcohol is prohibited on e-scooters. For drivers under 21 years of age and during the probationary period, a zero alcohol limit applies. [2] Violations can lead to not only fines but also the loss of insurance coverage. A registration check is advisable before every trip.
Finding the Right Protection: Tips for Comparing E-Scooter Insurance
When choosing your e-scooter insurance, you should consider more than just the price. Compare the coverage in detail. A high liability coverage, for example, 100 million euros, provides security. Pay attention to the perils covered by the partial coverage (theft, vandalism, natural disasters) and the amount of any possible excess. Many insurers offer a discount if you have multiple insurances with them or switch to annual payment. Our expert tip: Use online comparison calculators, but also read the fine print of the top offers. Pay attention to the insurance coverage area, especially if you plan to use the e-scooter abroad. Customer service and claims handling are also crucial criteria. Read reviews from other customers. A good car insurance can serve as a reference for service quality. Remember that the insurance needs to be renewed annually by the first of March. Many providers remind you of this in good time.
What to look out for in a comparison:
A good e-scooter insurance offers more than just a low price. Here are a few points you should consider:
Coverage amount: For liability claims, this should be at least 50 million euros, preferably 100 million euros.
Partial coverage benefits: Check whether theft, vandalism, fire, and elemental damage are covered.
Excess: A lower excess in the event of a claim means higher premiums and vice versa. Choose a value that suits you.
Coverage area: Is the protection limited to Germany, or is it valid throughout Europe?
Battery protection: Some policies offer special protection for the expensive battery, sometimes even with new-for-old compensation.
Notice periods: Pay attention to fair cancellation conditions in case you sell the e-scooter.
Claims service: How quickly and easily can the insurer be reached in the event of a claim, and how is it settled?
A thorough examination of these aspects will help you find the optimal protection for your e-scooter and avoid nasty surprises. The general conditions provide clarity.
Your next step to a worry-free e-scooter ride
More useful links
KBA provides detailed information on type approval (ABE) for small electric vehicles.
The insurers (GDV) provide information on key aspects of e-scooter insurance.
Destatis (Federal Statistical Office) releases a press statement, which is expected to contain relevant statistics on e-scooters.
Laws in the internet offers the complete and official text of the Small Electric Vehicles Ordinance (eKFV).
TÜV Association provides a press release on the high safety and fire protection standards of approved e-scooters.
FAQ
What documents do I need to purchase e-scooter insurance?
To complete the process, you usually need the general operating permit (ABE) or individual operating permit (EBE) for your e-scooter, as well as your personal data. Sometimes the vehicle identification number (VIN) is also required.
How long is an e-scooter license plate valid for?
The e-scooter license plate is valid for one insurance year. This begins on the first of March and ends on the last day of February of the following year. The color of the license plate changes annually.
May I lend my e-scooter if it is insured?
Yes, usually other authorised drivers are also insured alongside the policyholder. However, the driver must have reached the minimum age of 14 years. Check the specific terms in your policy.
What happens if my e-scooter is stolen?
If you only have third-party liability insurance, theft is not covered. If you have taken out partial comprehensive insurance that includes theft, the insurance usually covers the damage, often minus a deductible.
Does my German e-scooter insurance also apply abroad?
The liability insurance generally applies within the geographical boundaries of Europe and non-European territories that are part of the EU. It is advisable to carry the International Motor Insurance Card (Green Card) and to be informed in advance about the specific rules in the destination country.
Do I need to wear a helmet for my e-scooter?
No, there is no legal requirement in Germany for e-scooter riders to wear a helmet. However, for safety reasons, it is highly recommended to wear one, as serious head injuries are possible even at low speeds.
