Do You Need Insurance to Ride an Electric Scooter?

Growing Popularity of Electric Scooters in India

The electric scooter, in particular, has gained a huge following in India in the last coupler of years. Increased fuel prices, not to mention lower maintenance costs and eco-friendly benefits, have hailed many people shifting from petrol vehicles to electric scooty and electric scooter bike variants. Now, while purchasing a new electric scooter, one of the most, if not haunting, questions that always comes to the buyer's mind is whether insurance is required or not.

To understand electric scooter insurance, one must know that electric scooters in India come in low-speed and high-speed variants. Their rules for insurance depend totally on the type of electric scooter you possess and its speed.

Insurance Rules for Low-Speed (Non-RTO) Electric Scooters

Low-Speed/Non-RTO E-Scooters operate at a speed of less than 25 kilometers per hour. Non-RTO e-scooters don't need RTO registration, a number plate, or an appropriate driving license. This makes it mandatory with the absence of the former, that there's no compulsion for an on-board insurance in case of the Non-RTO model of e-scooters. The reasons why people opt for these e-scooters include low cost of the scooter and low cost of e-scooters, which appeals to daily commuters, college-going students, and delivery boys respectively.

High-Speed Electric Scooters and Mandatory Insurance

On the contrary, high-speed electric scooters are considered in the category of RTO-registered scooters. These electric scooter bike models can go beyond 25 km/hr, which is similar to petrol scooters according to Indian motor vehicles act. In regard to these electric scooters, it is an apt requirement to buy an insurance policy at the time of registration of the vehicle. Moreover, operating an electric scooter without an insurance policy is an offense that leads to penalties or lawsuits. These apply to all high-speed electric e scooter models.

AMO Electric Scooter Models and Insurance Requirements

In terms of brand choices available for consumers, the AMO Electric Scooter is available in both Non-RTO and RTO versions. The low-speed electric scooters provided by AMO are best suited for commuting around cities for a short period of time. Also, such scooters do not require any insurance. Conversely, AMO provides high-speed electric scooters like Jaunty i Pro. These scooters come under RTO versions. Thus, it is observed that AMO is a good pick for consumers looking for a new electric scooter.

Although insurance for electric scooters becomes optional for many people, it will always be a good idea to consider it. Even without any involvement in accidents, your insurance will protect you financially in case of damage or unexpected repairs of your electric scooter. It will be a wise move to purchase insurance for your expensive electric scooters or new-age charging scooties with advanced batteries.

Final Thoughts on Electric Scooter Insurance

In layman terms, when it comes to electric scooters, the regulations are very simple: it is not compulsory for non-RTO registered electric scooters, and it is compulsory for RTO-registered electric scooters. But looking at it from a different angle, it is always a clever move to insure your vehicle, so it is a responsible act to own one. If you are looking to buy an e-scooter, an electric scooty, or an electric scooter bike, then AMO Electric Scooter is something you can definitely count on. It is a reliable option due to its affordable price. The right vehicle with the right insurance will ensure a safe ride.