FAQs about insuring electric personal transportation devices

As of 1 June 2024, all vehicles going faster than 25 km/h or weighing over 25 kg must have motor liability insurance, regardless of their driving power.

The obligation to insure applies to the owner and permanent holder of the vehicle. The insurance can be either in the owner’s or the holder’s name. If the insurance policies are in the holder’s name, the policyholder is not the same as the vehicle’s owner. Persons who are at least 15 can take out motor liability insurance.

Yes, if the child’s vehicle travels over 25 km/h or weighs over 25 kg, you need to take out motor liability insurance for it as of 1 June 2024.

You can insure electric scooters that are exempt from registration and motor liability insurance obligation with Pohjola home insurance. Pohjola Home Insurance covers damage to an electric bicycle up to 5,000 euros. The insurance is valid throughout the Nordic countries. An electric bicycle worth more than 5,000 euros can be insured with valuables insurance. If the electric bicycle requires motor liability insurance, take out the insurance and comprehensive motor vehicle insurance for the electric bicycle.

You can insure electrically assisted bicycles that are exempt from the registration and motor liability insurance obligation with home insurance. Pohjola Home Insurance covers damage to an electrically assisted bicycle up to 5,000 euros. The insurance is valid throughout the Nordic countries. An electrically assisted bicycle worth more than 5,000 euros can be insured with valuables insurance. If the electrically assisted bicycle requires motor liability insurance, take out the insurance and comprehensive motor vehicle insurance for the electric bicycle.

General liability insurance compensates losses that you cause to external parties when moving with electric transportation devices insured by home or valuables insurance. If the electric personal transportation device is considered a vehicle that requires motor liability insurance after the legislative amendment on 1 June 2024, general liability insurance will not cover the above-mentioned situations. You will need motor liability insurance for these types of damage.

Devices are identified based on their serial number on the frame or the vehicle identification number, for example. Many electric personal transportation devices have a mobile app that gives a unique identifying number or other such information for the device.

Yes. If the moped travels over 25 km/h or weighs over 25 kg, you need to take out motor liability insurance for it as of 1 June 2024.

Yes, vehicles driven off-road in a field also need motor liability insurance. If the vehicle travels over 25 km/h or weighs over 25 kg, you need to take out motor liability insurance for it as of 1 June 2024.

You cannot drive without motor liability insurance even on a private road. If your vehicle travels over 25 km/h or weighs over 25 kg, you need to take out motor liability insurance for it as of 1 June 2024.

You can buy motor liability insurance for an electric scooter owned by a private person and for other light electric personal transportation devices from Pohjola Insurance Customer Service. Send us an offer request in the op.fi service, and we will contact you. Link to an offer request.

You have to take out motor liability insurance even for an unregistered motorcycle. If the motorcycle travels over 25 km/h or weighs over 25 kg, you need to take out motor liability insurance for it.

The primary user of a vehicle is responsible for taking out motor liability insurance.

Yes, if your mother’s vehicle travels over 25 km/h or weighs over 25 kg, you need to take out motor liability insurance for it as of 1 June 2024. You can also take out voluntary comprehensive motor vehicle insurance for the senior scooter.

If your electric bicycle falls withing the obligation to have motor liability insurance, you should contact our Customer Service. The valuables insurance should be changed to motor liability insurance and comprehensive motor vehicle insurance. You cannot take out valuables insurance for a vehicle that should have motor liability insurance, and it is not the equivalent of motor liability insurance.

Yes, depending on its weight and driving power. The owner or holder of a vehicle takes out motor liability insurance.

Companies leasing scooters must take out motor liability insurance for all leased scooters as of 1 June 2024. Motor liability insurance for leased scooters will only cover personal injuries as defined in the Motor Liability Insurance Act. You can directly contact the insurance company that holds the motor liability insurance of the company in question. You can find insurance information from the scooter leasing company’s website.

At the moment, legislation does not require users of electric scooters to wear a helmet, but we recommend it.

If the device falls under obligation to take out insurance, you are prohibited from using it without insurance. If it is used despite this, there will be a penalty fee. Its amount is always much higher than the insurance bought from an insurance company.

The police monitor them.

You can take a picture of the policy document or from the online service, which you can show to the police if necessary.

Assistive devices granted by wellbeing services counties have been excluded from the obligation to take out motor liability insurance.

The driver’s cover is only partial in the motor liability insurance for leased scooters. This means that motor liability insurance covers only the driver’s medical treatment expenses in the event of an accident, and not pension, for example.  

You should insure yourself with Pohjola Health Insurance that covers personal injuries insofar as statutory insurance policies do not provide compensation. Compensation is paid primarily under statutory insurance cover, such as the scooter leasing company’s motor liability insurance. However, private electric scooters that do not go faster than 25 km/h or weigh less than 25 kg are not vehicles that require motor liability insurance, which means that their user is not protected by motor liability insurance. Health Insurance is naturally valid at other times too, instead of only when riding your own electric scooter.

The personal injuries of a driver who participates in a race or practises for a race are no longer covered by the motor liability insurance of the vehicle used. Pohjola Sports Cover is available for motor sports through different sports federations (all members of AKK and HAMU are insured with Sports Cover, and the members of Suomen Moottoriliitto and Suomen Moottorikelkkailijat can choose to take out Sports Cover). Instead of Sports Cover, you can insure yourself with Pohjola Health Insurance, which covers accidents occurring during competitive sports, or expand your existing Health Insurance so that it covers motor sports.

You can also take out Pohjola Health Insurance with the suitable extended motor sports cover for competitive sports (such as car, motorcycle or snowmobile sports, or all these together).

Are the driver’s personal injuries excluded from cover also in this case?

Motor liability insurance covers the driver’s personal injuries as usual.

Driver’s cover means that your own insurance covers injuries and disabilities also in the case that you yourself cause the accident.