Insuring e-scooters and micromobility in Malta

The use of e-scooters and micromobility vehicles has grown across Europe in recent years. The latest data reveals that in the first quarter of 2025, micromobility vehicles, including e-scooters and e-bikes, made up 11.1% of the total licensed motor vehicles in Malta. 

There are a number of reasons why these vehicles are becoming more popular. If you visit any European city, you’re likely to see a variety of micromobility vehicles on the roads. This could be because they are perceived to reduce air pollution, cut down on traffic congestion and provide easy transport around busy areas. 

In  2024, a ban was established against the use of rental e-scooters in Malta. Private e-scooters are allowed to be used on Maltese roads. It’s important to note that you’re legally required to have insurance for e-scooters and other motorised vehicles for use on public roads in Malta. 

In this article, we explore why insuring e-scooters and micromobility in Malta is important, as it supports your safety and helps you meet legal requirements.

Contents

• What are e-scooters and micromobility vehicles?
• Common risks with e-scooters and micromobility vehicles. 
• Importance of insuring e-scooters and micromobility vehicles in Malta. 
• E-scooter and micromobility insurance with GasanMamo. 

What are e-scooters and micromobility vehicles?

E-scooters

An e-scooter, also known as an electric scooter or electric kick scooter, is a motorised personal transport device. Powered by an electric motor, e-scooters are considered to be motor vehicles in Maltese law. 

A key factor to remember is that e-scooters are required to be registered with Transport Malta and need appropriate insurance coverage to ride on public roads. Typically, you need to have a motor third-party liability insurance policy for your e-scooter in Malta.

You can’t ride an e-scooter unless you hold an “A”, “AM” or “B” driving licence on Maltese public roads, so it’s essential to check your licence to ensure it’s the correct type before you use your e-scooter. 

Micromobility vehicles

Micromobility vehicles are small, lightweight and generally powered by electricity. They are usually used for short journeys or for getting around urban and busy areas. E-bikes, e-scooters, kick scooters and segways are among common micromobility vehicles. 

The same legal requirements are in place for micromobility vehicles, in that you need third-party liability motor insurance, and you should register the vehicle with Transport Malta. 

There is also guidance around how to use e-scooters and micromobility vehicles in Malta, including:

• You must always give precedence to pedestrians and observe all traffic regulations, such as stopping at pedestrian crossings and traffic lights.
• You can’t ride an e-scooter on arterial roads (except on the cycle lanes) or in any tunnel or underpass.
• The maximum speed on roads is 20 km/h and 10 km/h in other areas.
• Only one person should ride an e-scooter at a time. 

It’s necessary to keep to the nearside left of the road when you ride an e-scooter or micromobility vehicle in Malta. If there is more than one vehicle, you should move in a single file. 

Legal guidance includes not using a mobile phone or wearing headphones and earphones when riding. Always move in the direction of traffic and wear a high-visibility vest when travelling between sunset and sunrise. 

Common risks with e-scooters and micromobility vehicles

With e-scooters and micromobility vehicles, there are some common risks, which include:

1. Third-party accidents

A third-party accident is when you’re involved in an incident with another vehicle, driver or passerby. If property is damaged as a result of your driving, you may be held liable for the resulting third-party claim. 

In Malta, it’s a legal requirement to have third-party liability motor insurance in place before you use an e-scooter or micromobility vehicle on public roads. You may not know that GasanMamo offers one of Malta’s first insurance solutions for private e-scooter owners. 

2. Loss of control

It can be challenging to navigate uneven road surfaces with e-scooters and micromobility vehicles. These conditions can potentially lead to accidents or collisions if careful driving is not followed. 

Insuring e-scooters and micromobility vehicles in Malta

Insuring e-scooters and micromobility vehicles in Malta is important to the rider’s safety and that of other drivers, pedestrians and passengers on the road. It’s also a legal requirement, so taking out appropriate e-scooter or micromobility insurance should be a natural part of the process when you use one of these vehicles. 

Insurance is essential in protecting a rider from the financial liabilities involved in a third-party liability claim. Effective third-party insurance should also cover the following:

• Damage to other people’s property, and compensation for other people’s death and injury, if you are at fault. 
• Legal costs that have been approved by your insurance provider in connection with a claim made against you. 
• Emergency treatment resulting from an accident involving your vehicle.

E-scooter and micromobility insurance with GasanMamo

Here at GasanMamo, we have plenty of experience in managing protective motor insurance policies for all types of vehicles. As the leading insurance provider in Malta, we decided to make sure e-scooter and micromobility vehicle owners had access to appropriate e-scooter insurance. 

If you are 18 years and over, our LPV (Low-Powered Vehicles) policy provides you with all the insurance protection you need to ride your e-scooter without worry. It’s also helpful to note that this is provided at a very reasonable premium. 
If you have an e-scooter or micromobility vehicle, or are considering buying one, why not contact us for more information, guidance and a quotation? We’re always happy to help.