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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, Reliance Electric Scooter Insurance covers your risks. We provide you with a safe and worry-free riding experience.
100% Claims Settlement
Pocket-friendly premiums
Instant Policy Purchase
Zero Paperwork
No Inspection Renewal
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.
Reliance Electric Scooter Insurance Plans
Description
Key Benefits
Reliance 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.
● Coverage for third-party injuries, disablement and death.
● Coverage for legal expenses.
Reliance 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.
● Coverage for third-party liabilities.
● Coverage for own damage to insured scooter.
● Personal accident cover.
● No need to worry about annual renewals.
Reliance Own Damage EV Scooter Insurance Policy
This plan covers the damages to the electric scooter caused by natural disasters, theft, fire, and other incidents.
● Dedicated coverage for own damage.
● Higher scope of customisation.
● Discounts on multi-year policies.
Reliance Electric Scooter Insurance Features
Details
Affordable Premiums
Our electric moped insurance plans start from just ₹19/month.
Network Garages
We have an extensive network of more than 10,000 network facilities all over India.
24/7 Customer Support
We offer reliable and highly responsive 24*7 customer support to keep you stress-free.
Cashless Claims
With a claims settlement ratio of 100%, we offer a quick claims settlement process.
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.
Reliance Self-i App
Buy/renew/claim your two-wheeler insurance anytime, anywhere, using the Reliance Self-i mobile application.
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
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.
Check policy wordings by Reliance General Insurance for a complete list of inclusions and exclusions.
Type of Electric Scooter Insurance Coverage
Features and Benefits
Ideal For
Third-Party Electric Scooter Insurance
● 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.
● Mandatory for everyone.
● Existing Own-Damage electric scooter insurance policyholders.
Own-damage Electric Scooter Insurance
● 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.
● Experienced riders.
● Existing e-scooter insurance policyholders.
● Owners of high-end electric scooters looking for dedicated coverage.
Comprehensive Electric Scooter Insurance
● 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.
● New electric scooter owners.
● E-scooter owners living in high-risk areas.
● Those looking for complete financial protection under a single policy.
Navigate to our homepage -> Explore Products -> Two-wheeler Insurance.
Enter the registration number of your electric scooter along with your phone and email information.
Click on “View Prices”.
Choose a policy from the given options and customise it as per your requirements.
Fill a few other details and pay the premium cost.
Navigate to our homepage -> Renewal -> Renew Two-wheeler Insurance.
Enter your existing electric moped insurance policy number. Alternatively, you can also use your mobile number and email ID.
Click on “Go”.
Verify the plan details and make necessary adjustments with the help of add-ons.
Pay the renewal cost. Don’t forget to apply any no-claims discounts you may have accumulated during the last tenure.
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.
Buying/renewing e-scooter insurance online does not involve any paperwork. We offer a paperless digital process for your ease and added convenience.
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.
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.
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.
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.
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.
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.
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.
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.
Also Read: How to Insure Your Electric Scooter for Better Protection
Step 1: Visit our bike insurance premium calculator.
Step 2: Enter your electric scooter’s registration number, followed by your email and mobile number.
Step 3: Click on “Check Our Prices” after ticking the terms and conditions box.
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
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.
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.
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.
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.
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.
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.
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 Reliance Self-i mobile 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.
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.
You can get your electric scooter repaired anywhere and get your expenses reimbursed by submitting the original invoices.
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)
Other claim-specific documents.
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.
Insurance is mandatory for electric two-wheelers with a top speed of above 25 km/h and a power output of more than 250 watts. But even if it is not mandatory, insurance is highly recommended for the financial protection of your electric vehicle.
There is no specific insurance plan for electric scooters. We offer common two-wheeler insurance that can be tailored to meet your scooter's exclusive coverage needs.
No. You can purchase electric scooter insurance online from our website or Self-i app without any paperwork. We offer an easy policy purchase process with zero paperwork.
No. This is because you need to have the registration number of your vehicle for buying an insurance policy.
Yes. Reliance electric scooter insurance plans cover damages caused by natural calamities such as floods, earthquakes, typhoons, cyclones, thunderstorms, and hailstorms.
The third-party and comprehensive electric scooter insurance differs in terms of coverage they provide. A third-party policy only covers your financial loss due to third-party liabilities, whereas a comprehensive policy covers your third-party liabilities and own damage.
Our electric scooter insurance plans cover damage and losses occurring due to natural calamities, theft, fire and explosions, transit, man-made damages and more based on the type of plan.
The exclusions of Reliance electric moped insurance vary depending on the type of plan. Commonly, our electric scooter insurance policies do not cover regular wear and tear, electrical failure, regular maintenance and repairs, damage due to war/nuclear invasion, violation of traffic regulations, etc.
You are no longer covered once your electric scooter policy lapses or expires. Besides, you may also lose your accumulated discounts if your policy is not renewed on time. To regain the legal and financial coverage, you must renew your plan as soon as possible.
Yes. You can renew your electric scooter insurance online through our website or mobile application. Follow a few simple steps and make the premium payment online using any method of your choice.
The validity of electric scooter insurance varies based on the type of plan and selected tenure. You can purchase annual insurance policies for a single-year coverage and multi-year policies for a long-term coverage.
At Reliance General Insurance, we calculate the electric insurance premium cost based on multiple factors, including brand, make and model, battery capacity, location, mileage, and type of policy.
The third-party insurance cost for Activa is calculated based on the kilowatt capacity of its battery. It can also vary depending on whether you choose a single-year or long-term policy.
The insurance cost for an Activa scooter is determined based on its model, age, type of insurance policy, coverage and claims history. Use our two-wheeler insurance calculator to estimate the premium cost.
Some of the most useful electric scooter insurance add-ons include zero or nil depreciation Cover, emergency hospital expenses cover, and return-to-invoice cover.
A personal accident insurance cover is an add-on available for electric and non-electric vehicles. It covers the accidental injuries, disabilities and death of the rider.
Yes. You can easily claim your e scooter insurance online by visiting our website or Reliance Self-i app.
You can choose any option based on your preferences. Our claims settlement processes for both facilities are quick and efficient.
Disclaimer *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
Premium: The premium mentioned is excluding taxes for the private two-wheeler model TVS Jupiter with cubic capacity of less than 110 cc for a 1 year Own Damage Insurance policy for an IDV of 34,766. Premium used is 233/year as on 1 March 2023 and then converted into a per month basis, which gives us Rs.19/month (233/12).
Discount: The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, and age of the vehicle.
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