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Oh No, I Screwed Up: Five Electric Scooter Scenarios Where You’ll Need Insurance

Electric scooters have become a popular mode of transportation in Estonia, some might even say too popular. But the truth of the matter is, they are convenient, eco-friendly, and a fun and quick way to get around the city. 

As the price of scooters keeps dropping, many people are deciding that renting one as you need it from Bolt or Tuul, while easy and super convenient, ends up costing more than expected. All those quick trips add up to a hefty bill by the end of the month. So, more and more people are deciding to buy their own. You can read all about the pros and cons of renting v owning in this blog. If you’ve taken the plunge and stumped up the cash for your own scooter, you need to be aware that there are several scenarios where you’ll need insurance. They range from things you can control to ones that will hit you out of the blue (in some cases literally).

Accidents and Collisions:

Imagine this: you’re zipping through the streets of Tallinn on your electric scooter when suddenly, a car pulls out in front of you. Despite your quick reflexes, a collision is inevitable. In such scenarios, having insurance can help cover the costs of any damages you cause to someone else’s vehicle and any potential injuries you might sustain. It’s always better to be safe than sorry. Remember, the person whose property you damage, even accidentally, has a right to send you the bill for that damage.

Theft and Vandalism:

Estonia is an amazingly safe country with a very low crime rate, but no matter how cautious you are, the unfortunate reality is that theft and vandalism can happen to anyone. It used to be that bicycles were the vehicle of choice for Tallinn’s criminals, but more and more reports indicate that there is a rise in electric scooters being stolen. If you’ve bought your own, you’ll no doubt see it as a valuable asset, which also makes it an attractive target for thieves. By having insurance, you can protect yourself financially in case your scooter gets stolen or vandalised. This coverage can help you recover your losses and get back on the road quickly.

Personal Injury:

While riding an electric scooter can be an exhilarating experience, accidents can occur, and personal injuries happen. In fact, you can read this blog to see just how frequently they do happen. Even a minor mishap can result in medical expenses and time off work. Insurance can provide coverage for your medical bills and compensate for any income lost during your recovery. With insurance, you can have peace of mind knowing that you’ll be taken care of if an unfortunate incident occurs.

Third-Party Liability:

It’s not just about protecting yourself and your scooter; you also need to consider potential damage or injury caused to others. Imagine you’re safely tooling along on your ride when a cute puppy runs out in front of you. Because you’re not a monster, you swerve to avoid it, lose control and crash through the glass window of a shop. Like breeding a giant duck in a laboratory, there’s gonna be a huge bill. Accidentally colliding with a pedestrian or damaging someone’s property can lead to legal and financial consequences. Insurance coverage can help protect you in such situations.

Working as a delivery driver

Even if you rent a scooter that has automatic insurance, you won’t be covered if you use it to do food deliveries for one of the delivery apps. And if you’re using it as frequently as a delivery rider will have to, you’re statistically more likely to have an accident. Cachet’s insurance is specifically designed to help those in the gig economy, so we’ll have you covered while you’re on the job.


Electric scooters are a fantastic way to navigate the bustling streets of Estonia’s cities. However, accidents and unforeseen events can happen to anyone, and it’s crucial to be prepared. Whether you own or rent an electric scooter, having insurance can safeguard you from financial burdens in the face of potential damages, theft, personal injuries, and liability claims. Before you hit the road, understand your insurance options and choose a plan that suits your needs. Cachet’s City Rider insurance covers injuries you yourself may suffer when riding around as well as damage you cause to others at the cost of two short trips on a Bolt scooter. Stay safe, protect yourself, and enjoy the freedom that electric scooters provide!

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