Electric skateboarding has become a popular form of transportation for many riders around the world. Its popularity stems from the fact that it is an eco-friendly and fun way to travel.

As electric skateboards become more prevalent, the question of whether or not they are covered by insurance arises. Let us explore this topic in greater detail.

What is an Electric Skateboard?

An electric skateboard is a type of skateboard that has an electric motor and battery attached to it. This motor is used to power the skateboard, and riders can control the speed and direction with a wireless remote control.

Electric skateboards are generally faster and more powerful than traditional skateboards, allowing riders to travel longer distances with ease.

Types of Insurance Coverages

When it comes to electric skateboarding, there are two primary types of insurance coverages that riders should consider: liability insurance and homeowner’s insurance.

Liability Insurance

Liability insurance is a type of insurance that covers damages or injuries that you might cause to others.

If you are riding an electric skateboard and you cause an accident that injures someone or damages their property, liability insurance can help cover the costs associated with those damages. It is important to note that liability insurance does not cover damages or injuries that you might sustain while riding your electric skateboard.

Homeowner’s Insurance

Homeowner’s insurance is another option for electric skateboard riders. If you own a home and have a homeowner’s insurance policy, it may cover your electric skateboard.

However, it is important to read your policy carefully to see if there are any exclusions for motorized vehicles. Additionally, you may need to add additional coverage to your policy to ensure that your electric skateboard is fully covered.

Insurance Exclusions

It is important to note that many insurance companies may exclude electric skateboards or other types of electric vehicles from coverage.

This is because they are still a relatively new form of transportation, and insurance companies may not yet understand the risks associated with electric skateboarding.

Electric Skateboards as Vehicles

One of the reasons that insurance companies may exclude electric skateboards from coverage is because they are considered vehicles.

In some jurisdictions, electric skateboards are subject to the same laws and regulations as bicycles or other forms of transportation. This means that they may be required to follow the same traffic rules and regulations, and riders may be held liable for damages or injuries caused by their actions.

Insurance companies may view electric skateboards as a higher risk than traditional skateboards, which could lead to higher premiums or exclusions from coverage.

Wear and Tear

Another factor that insurance companies may consider when excluding electric skateboards from coverage is wear and tear. Electric skateboards are powered by motors and batteries, and these components can wear out over time.

If an insurance company were to cover an electric skateboard, they would be liable for the costs of repairs or replacement parts. This could be a significant expense, especially if the skateboard is used frequently or for long distances.

Conclusion

If you are an electric skateboard rider, it is important to understand whether or not you are covered by insurance.

Liability insurance and homeowner’s insurance may provide coverage for some riders, but it is important to read your policy carefully and ensure that your electric skateboard is covered. Additionally, it is important to be safe while riding and follow all traffic laws and regulations to help reduce the risk of accidents and injuries.