Who insures electric two-wheel vehicles? And how the cc equivalent is interpreted

This article explains how to interpret “cc” and equivalent electric classifications for FONZ vehicles. Key insurance considerations for electric scooters and motorbikes. Some of the insurers in Australia that offer suitable comprehensive cover

When you’re looking at FONZ Electric Scooters and Motorbikes in Australia, understanding how vehicles are classified by engine size (“cc”) or power output is essential for securing the right insurance. In traditional combustion‑engine motorcycles and scooters, cubic centimetre (cc) ratings are a standard measure of engine capacity used by regulators, licensing authorities and insurers to differentiate between classes of vehicles and to assess risk. These classifications influence licensing requirements, registration categories and insurance premiums. For electric vehicles, which do not have a conventional engine size, classification is typically based on kW/kg - power-to-weight ratio, motor power output (e.g., kilowatts) and how the vehicle fits into regulatory schemes such as the Learner Approved Motorcycle Scheme (LAMS) or broader registration rules.

In Australia, most states and territories require motorcycles (including scooters with sufficient power) to be registered and insured with compulsory third party (CTP) cover before they can be ridden on public roads — and if you want protection beyond CTP (e.g., for theft, accident damage, fire or liability), a comprehensive insurance policy is highly recommended. Comprehensive cover helps protect both the FONZ ride itself and liability to others, offering peace of mind for riders and fleet operators alike.

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