Check what your scooter or other light electric vehicle needs!

Since electric scooters are not registered in a national registry, slightly more information is required for insurance (brand, model, serial number, speed, weight, and area of use). You can conveniently arrange the insurance using the IIZI traffic insurance calculator.

If a traffic accident is caused with a vehicle that requires insurance but does not have traffic insurance, the insurer will compensate the victim but later claim the amount back from the person who caused the damage. This means that even a small electric scooter accident may result in thousands of euros in costs that must be paid out of your own pocket.

You may take out motor insurance only for the season when the scooter is in use. However, be aware that accidents can also occur outside the riding season. Valid motor insurance can help compensate the damage. For example, there have been cases where an electric scooter battery catches fire and causes a fire accident. Such damage is also considered traffic damage, and damage to other people’s property or health will be compensated. Therefore, when deciding how long to insure your scooter, consider whether your scooter or similar vehicle could potentially cause such damage.

An insurance contract can only be concluded by an adult, meaning the policyholder must be at least 18 years old. If the vehicle belongs to a minor, the parent or another adult representative must take out the insurance.

Yes, certain types of electric bicycles require motor insurance — specifically those that have a motor-only driving mode and whose speed exceeds 14–25 km/h and weight exceeds 25 kg. Hybrid electric bicycles that can also be pedalled while using electric assistance do not require insurance.

If an electric scooter, electric skateboard, or another light electric vehicle can reach a speed greater than 25 km/h, it may only be used in traffic if the vehicle is registered with the Transport Administration and has valid motor insurance. Such high-speed vehicles cannot be insured without a registration number.

Traffic insurance is not required if:

• the vehicle is a wheelchair vehicle for a person with special needs
• the vehicle is an electric bicycle where the motor only provides additional power

According to the law, the existing insurance contract automatically transfers to the new owner. If you want to terminate the insurance before selling the vehicle, send a termination request to info@iizi.ee.

No. The simplest difference is that a small moped has a seat, while a light electric vehicle does not. In traffic legislation, they are defined as two separate vehicle types. Although many usage rules are similar, different requirements may apply.

Traffic insurance generally applies within countries of the European Economic Area. Before travelling abroad, check whether you need to carry a Green Card in the destination country. All your documents can be found in the IIZI app or in the My IIZI environment.

An electronic document is sufficient, easily accessible on your phone in the IIZI app. If the vehicle is used by a child, share the document with them so it is available during inspections or accidents.

• Ensure safety and call 112 if necessary.
• Take photos of the accident scene and the damage.
• Collect the contact details of the other party.
• Report the damage at kahjud.iizi.ee.
• If you need advice, call 666 0300.

If a vehicle is subject to traffic insurance requirements, damage caused in traffic must be compensated through motor insurance. Personal liability insurance does not cover such damage.