Kottayam: The demand for electric scooters that do not need registration is growing rapidly in Kerala. However, many owners are still not taking insurance for these vehicles, leaving themselves open to financial risks in case of accidents.

Most owners mistakenly believe that since registration is not needed, insurance isn't either. But experts warn this is a dangerous assumption.

If a non-registered scooter is involved in an accident, the owner will have to cover all costs, including medical treatment, compensation to victims, and repair expenses.

Showroom staff and insurance agents have confirmed that these scooters can be insured. Just like registered vehicles, they are eligible for third-party and full insurance cover.

Even without a registration number, insurance is provided using the vehicle’s chassis number or VIN (Vehicle Identification Number). The cost of a five-year policy ranges from Rs 3,000 to Rs 5,000.

Lawyers handling motor accident claims also confirm that if a scooter is insured, the owner can seek compensation through the courts in case of an accident.

These electric scooters are most popular among people over the age of 50. Sales are especially high in coastal regions and flat areas where there are no steep slopes.

Central rules for non-registered e-scooters

According to Central Motor Vehicle Rules, electric scooters are exempt from registration only if they meet specific conditions:

  • Motor power must be below 250 watts
  • Top speed must not exceed 25 km/h
  • Vehicle weight (excluding battery) must be under 60 kg

These conditions must be certified by an authorised testing agency. If any of these are not met, registration becomes compulsory.

Transport department officials have reminded buyers to check whether a scooter needs registration before purchasing.

Since these low-speed scooters are classified as bicycles under the law, they don’t fall under the same rules as regular motor vehicles. However, officials stressed that insurance is still strongly recommended for safety and financial protection.