Who Insures Electric Two-Wheel Vehicles?
If you’re planning to purchase a FONZ and want comprehensive insurance, there are a number of insurers in Australia that may offer suitable cover for electric scooters and motorbikes.
Important: FONZ does not have a formal insurance partner or preferred insurer. The insurers listed above are referrals shared by members of the FONZ Owner Community. We recommend calling the insurer directly to confirm that they can provide comprehensive cover for your specific FONZ model and use.
How does “cc equivalent” work for electric vehicles?
Traditional petrol motorcycles and scooters are commonly classified by engine capacity, measured in cubic centimetres (cc). Insurers and licensing authorities may use cc as one factor when determining the type of vehicle, licence requirements and insurance risk.
Electric vehicles don’t have a conventional engine, so they don’t have a true cc rating. Instead, electric two-wheel vehicles are generally classified using factors such as:
- Motor power output (kW)
- Power-to-weight ratio
- Maximum speed
- Vehicle category and registration classification
- Applicable licensing and regulatory requirements
For insurance purposes, an insurer may ask for a cc equivalent when their system is designed around petrol-powered motorcycles. In this situation, don’t assume the equivalent yourself. Provide the insurer with the FONZ model, its power output, top speed and registration details, and ask them how they want the vehicle classified.
Comprehensive insurance
CTP is compulsory for registered road vehicles and provides cover for injury to people in a road accident. It does not provide comprehensive protection for your FONZ.
If you want cover for things such as:
- Theft
- Accidental damage
- Fire
- Weather or other insured events
- Damage to another person’s property
you’ll generally need a comprehensive insurance policy.
Insurers recommended by FONZ Owners
The following insurers have been recommended by members of the FONZ Owner Community as insurers to contact about comprehensive cover for electric two-wheel vehicles.
These are community referrals only. FONZ does not guarantee that any insurer will offer cover, and availability, eligibility and policy terms can change. Always confirm cover directly with the insurer before purchasing.
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See a list of insurers offering comprehensive electric motorcycle insurance for NSW, Victoria, WA, SA, QLD, ACT, NT and Tasmania.
LIST OF INSURERS
New South Wales
mi-bike. Shannons, youi, NRMA
Victoria
Western Australia
South Australia
Queensland
Australian Capital Territory
Northern Territory
Tasmania
Before you arrange cover
When requesting a quote, have your FONZ model, VIN, registration details, motor power (kW), maximum speed and intended use available.
Most importantly, ask the insurer to confirm that the policy specifically covers your electric two-wheel vehicle and the way you intend to use it.
Insurance policies and eligibility vary between insurers, models and states. Always check the Product Disclosure Statement (PDS) and confirm your cover directly with the insurer.