- Appetite
- Specialist fleet option to approach for the hired scooter motor exposure.
- Check
- Check e-scooter hire eligibility, permitted operating areas and compulsory motor liability requirements.
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Reading the risk
For: E-scooter hire operator
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What underwriters will focus on
E-scooter hire needs a clear split between motor liability and operational EL/PL, with theft and battery charging exposures also considered. Underwriters will focus on lawful use: authorised public-road trial or genuinely private land, plus rider controls and maintenance.
Where to start
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We found 125 UK markets that write e-scooter hire operator risks: 33 insurers, 89 MGAs and 3 Lloyd's markets. Commonly listed: Zego, ERS.
Hire schemes run within government backed local trials, so rider third party liability, user verification and fleet size come first. Battery charging and storage at depots is a major fire concern.
micromobility operator, dockless scooter scheme, rental e-scooter trial operator, scooter share
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