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How should new electric mobility devices be insured?

Motor liability insurance will be required for some lightweight electrically powered transporters from 1 June 2024 onwards.
According to the new law:

Not to be insured:

Electrically powered personal and cargo transporters that weigh less than 25 kilograms AND have a design speed of no more than 25 kilometres per hour.
Electrically assisted bicycles (pedelecs) with a maximum assisted speed of 25 kilometres per hour and a maximum output of 250 watts or less.
Electric wheelchairs and other lightweight personal transport devices for the exclusive use of disabled people.

Insurance required:

Electrically powered personal and cargo transporters that weigh more than 25 kilograms OR have a design speed in excess of 25 kilometres per hour.
All rental e-scooters regardless of weight or speed. The operator is responsible for obtaining a motor insurance policy.

Motor liability insurance does not make a mobility vehicle roadworthy. The maximum speed for unregistered electric mobility vehicles on the road is 25km/h.

What is the “design speed” of a vehicle?

The design speed is the maximum speed specified for a powered transporter by its manufacturer or importer.

If the device is modified to go faster than 25 kilometres per hour, motor insurance is required.
If the design speed is already more than 25 kilometres per hour, the device must be insured even if it is modified later to only reach 25 kilometres per hour.

For electrically powered transporters subject to the insurance obligation, we recommend verifying from the Finnish Transport and Communications Agency Traficom that the device is legal for road use in Finland.

Verify the speed and power of the mobility device from the seller.

Drive carefully and wear proper protective equipment.

You may take out voluntary accident insurance and third-party liability insurance.

Textual content of the infograph:

How should electric mobility devices be insured?

Not to be insured

Weigh max. 25 kg AND speed* max. 25 km/h
In addition: Pedelecs (max. 250 W, max. 25 km/h, can have a speed up to 6 km/h without pedalling: walk-assist)

You may take out voluntary accident insurance and third-party liability insurance.

To be insured

Weigh more than 25 kg, OR have a design speed* in excess of 25 km/h.
In addition: All rental e-scooters regardless of weight or speed. The operator is responsible for obtaining a motor insurance policy.

Motor insurance is available from insurance companies.

If the obligation to insure is not observed for a vehicle, the USE OF THE VEHICLE IS PROHIBITED.

General information

*The design speed is the maximum speed specified for a powered transporter by its manufacturer or importer.

Verify the speed and weight of the mobility device from the seller.