Does any insurance cover your e-scooter or e-bike?
Dubai and Abu Dhabi do not require you to insure your e-scooter or e-bike. In Abu Dhabi the rider bears the cost of an accident. Rental operators are insured: Lime’s UAE certificate shows rider liability of AED 2,083,000 per loss and personal accident cover of AED 208,000. Home policies can exclude powered devices.
Not unless you buy cover. Dubai and Abu Dhabi do not require the owner of an e-scooter or e-bike to insure it. Abu Dhabi’s guideline says owners are not required to insure bicycles, electric bicycles and scooters, and that the user “assumes full responsibility and damage in the event of an accident”.1 Dubai’s cycle resolution does not mention insurance for riders.2
Are you insured on a rented e-scooter?
Rental operators carry insurance, and what it pays depends on the operator.
In Abu Dhabi, rental operators must hold insurance with a UAE-licensed insurer covering damage to the devices, injury or death of users, and third-party liability for harm users cause to others, including battery fires and explosions. They must tell users what is not covered.1
In Dubai, the RTA has approved four operators: Tier, Lime, Arnab and Skurrt.3 Lime publishes its UAE insurance certificate.
| Item | Certificate |
|---|---|
| Insurer | Orient Insurance PJSC |
| Period | 1 March 2026 to 28 February 2027 |
| Riders general liability | AED 2,083,000 each loss, AED 6,250,000 a year in total |
| Personal accident | AED 208,000 each loss, for death and permanent disability over 15% |
| Area | United Arab Emirates |
The certificate refers to the full policy for its other terms and exclusions.4 Ask the operator for those before you ride.
Does home insurance cover your own e-scooter or e-bike?
Check the wording. GIG Gulf’s Home Comfort terms exclude “motorcycles and other mechanically or electrically propelled vehicles” from personal belongings cover.5 Pedal cycles are treated separately, as explained on bicycle insurance.
Does motor insurance apply?
Only to vehicles that must be registered. A vehicle cannot be licensed without insurance.6 Federal law lists electric scooters and electric bicycles as personal transportation.6 In Abu Dhabi only motorcycles with a top speed over 60 km/h can be registered.1
What are you liable for if you hit someone?
If no policy covers you, you pay for harm you cause. Liability after an accident is on accidents involving cyclists and scooter riders.
Ask your home insurer in writing whether your policy covers your e-scooter or e-bike, and your liability while riding it.
Sources
6
1Abu Dhabi Quality and Conformity Council, Abu Dhabi Guideline for Safe use of bicycles, electric bicycles, and scooters (ADG 28/2024). Last checked 12 Nov 2026. Source document: Abu Dhabi Guideline for Safe use of bicycles, electric bicycles, and scooters (ADG 28/2024)
2Supreme Legislation Committee, Dubai, Executive Council Resolution No. (13) of 2022 Regulating the Use of Cycles in the Emirate of Dubai. Last checked 12 Nov 2026. Source document: Executive Council Resolution No. (13) of 2022 Regulating the Use of Cycles in the Emirate of Dubai
3Roads and Transport Authority, eScooter. Last checked 12 Nov 2026. Source document: eScooter
4Orient Insurance, for Lime, Riders General Liability and Personal Accident Insurances Certificate, UAE. Last checked 12 Nov 2026. Source document: Riders General Liability and Personal Accident Insurances Certificate, UAE
5GIG Gulf, Home Comfort, Terms and Conditions. Last checked 12 Nov 2026. Source document: Home Comfort, Terms and Conditions
6UAE Legislation, Federal Decree-Law No. (14) of 2024 On Traffic Regulation. Last checked 12 Nov 2026. Source document: Federal Decree-Law No. (14) of 2024 On Traffic Regulation
- Owner
- Bikeinsurance.ae research team
- Last review
- Next review due
- 11 May 2027
- Status
- Published