E-Scooter Kasko Coverage 2026
Is It Worth the Extra Cost?
Protect your e-scooter against theft, vandalism, and natural disasters. Find out when partial coverage makes sense.
Liability vs. Partial Coverage
| Coverage | Liability Only | + Partial (Teilkasko) |
|---|---|---|
| Third-party liability damage | ||
| Theft of e-scooter | ||
| Fire & explosion | ||
| Storm, hail, lightning | ||
| Glass damage (display) | ||
| Wildlife collision | ||
| Self-inflicted accidents |
Cost Overview
~30 EUR
Liability Only
Mandatory, often sufficient
~80-130 EUR
+ Partial Coverage
For expensive scooters
~150-200 EUR
Full Coverage (Rare)
Only few providers
When Is Partial Coverage Worth It?
Partial Coverage Recommended
- ✓E-Scooter new price over 1,000 EUR
- ✓Regular outdoor/public parking
- ✓Use in theft-prone areas
- ✓Premium brands like NIU, Segway, VMAX
Liability Sufficient
- -E-Scooter under 500 EUR new price
- -Storage in garage/basement
- -Only occasional use
- -Scooter already 2-3 years old
Watch Out for Lock Requirements!
Many partial coverage policies require that your e-scooter was secured with an approved lock. Without proof, coverage may be reduced or denied in case of theft. Check the exact requirements before signing up.
Frequently Asked Questions
What does E-Scooter partial coverage (Teilkasko) cover?
Partial coverage includes: theft, robbery, fire, explosion, lightning, storm, hail, flooding, glass damage, and collision with animals. NOT covered: self-inflicted accident damage.
How much does E-Scooter partial coverage cost?
Partial coverage for e-scooters costs approximately 50-100 EUR extra per year on top of liability. For an 800 EUR scooter, it usually only makes sense from the 2nd season onwards.
Is there full coverage (Vollkasko) for E-Scooters?
Only a few providers offer full coverage for e-scooters. It additionally covers self-inflicted damage but is relatively expensive compared to the vehicle value.
How can I protect my E-Scooter from theft?
Use a high-quality lock (U-lock), park in busy areas, use GPS trackers, and activate the built-in theft protection. Some insurers require specific lock types.
Is there a deductible?
Yes, most partial coverage plans have a deductible of 50-150 EUR. A higher deductible lowers the premium, but the savings are minimal for e-scooters.