Your mandatory civil liability insurance when riding an electric scooter.
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Starting from 1 July 2025, e-scooters are subject to the same requirement as cars - MTPL insurance is mandatory.
Only e-scooters registered with CSDD and holding a valid MTPL policy may participate in road traffic. This means that without registration and a policy, using a scooter in traffic
Accidents with e-scooters happen more often than we think - one clumsy manoeuvre or another road user's mistake is enough to cause damage to a car, bicycle, or pedestrian. MTPL for e-scooters will cover these expenses on your behalf.
The scooter rider failed to notice a pedestrian crossing the street on a green light. A collision occurred, resulting in the victim sustaining an arm fracture and requiring rehabilitation. Insurance would cover treatment expenses and lost income, which could total €4,200.
While riding along the street, the scooter rider accidentally clipped a car parked at the roadside. The wing and paintwork were damaged. MTPL for e-scooters would compensate losses of up to €850.
The rider at a supermarket car park, riding between rows of cars, failed to notice a child suddenly running out and while braking also clipped the door of a neighbouring car. Car repair costs could be €620, while medical expenses for the child's examination and treatment - another €1,300. Total losses: €1,920
The scooter rider in the city centre, sharply changing direction, clipped and damaged a car's rear light. The victim filed a repair claim. MTPL for e-scooters would cover the costs, approximately €310, which would otherwise have to be paid out of pocket.
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It is mandatory civil liability insurance for electric scooters, covering losses caused to third parties.
It covers material damage and health injuries to third parties if you cause an incident.
No, it only covers other people's losses. For personal injury coverage, additional insurance such as accident insurance is needed.
You need to notify the insurer, provide an incident description, damage photos, and if necessary, a police report.
Yes, use our calculator and choose the suitable policy.
Yes. To purchase MTPL for an e-scooter and legally participate in road traffic, the scooter must be registered with CSDD and have a registration number.
If the scooter is not registered, it is usually not possible to arrange an MTPL policy.
To arrange MTPL for an e-scooter online, the following data is usually required:
Scooter OCTA compensates the damage you cause to others while riding: to a pedestrian, another vehicle or property belonging to others. It does not cover your own injuries or damage to the scooter itself. If you ride a lot and fast, consider accident insurance, which pays for treatment and the consequences of injuries regardless of who is at fault.
Scooters are increasingly part of travel too: a rental scooter is a convenient way to explore a city, but falls on them are among the most common reasons travellers need medical help abroad. Latvian OCTA will not help you with a rental scooter in another country, so take out travel insurance before the trip and check that the chosen cover includes riding a scooter.
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