Segway Insurance

As Segways and electric scooters grow in popularity as a convenient means of transportation around large cities, so does the rate of injuries. If you own a Segway, it needs to be properly insured. The right Segway insurance can help provide compensation for accidents, injuries, theft, and more.

Thankfully, an independent insurance agent can help you find the right Segway insurance. They'll get you matched to the exact policy you need. But first, here's a closer look at Segway insurance and why you might need it.

Is Segway Insurance Required? 

By law, Segway insurance is not mandatory. You don't need any specific insurance to ride a Segway, and in fact, you don't need to be licensed to ride one. However, getting the proper coverage is still a wise choice for many riders, considering the increased risk of theft, accidents, and injuries in recent years. It's also a good idea to purchase coverage to replace your Segway or its parts should it be damaged. 

What Does Segway Insurance Cover?

Since a pre-built Segway insurance package doesn't technically exist, you can choose to build your policy to include whichever protections you need. Consider the following coverages when shopping for Segway insurance:

• Bodily injury and property damage liability insurance: Covers bodily injuries and property damage you cause someone else while operating your Segway.
• Collision insurance: Pays for damage to your Segway from a collision with another driver or rider, regardless of fault. 
• Comprehensive insurance: Pays for damage to your Segway due to a non-collision event such as a flood or theft. 
• Medical payments coverage: Pays for personal medical bills or treatments to your passengers resulting from an accident, no matter who was at fault.
• Uninsured/underinsured motorist insurance: Protects you and your Segway should you be involved in a collision with an uninsured or underinsured motorist. 
• Accessories and custom parts coverage: Provides protection and coverage for upgrades and the addition of custom parts to your Segway.

Your independent insurance agent can help you assemble and customize a Segway insurance policy that best meets your unique needs.

How to Find Segway Insurance

Segway insurance is available from select carriers. Because the “human transporter” industry is still in its infancy, not all insurance companies offer Segway insurance yet. 

Companies that do carry Segway insurance differ in terms of coverage exclusions and the cost of these policies. Some carriers consider a Segway to be similar to a snowmobile for the purpose of determining insurance rates, so you may find prices similar to a snowmobile insurance policy. 

Your best bet for finding Segway insurance is working with a local independent insurance agent. These agents can help find a policy from multiple carriers who offer coverage in your area. They'll shop and compare your options for you and present you with only the top results.

Save Money on Segway Insurance with Discounts

The discounts offered on Segway insurance vary by carrier, as with all other types of coverage. However, you can expect to find these discounts and more when shopping for coverage:

• Responsible driver discounts: Offered to customers with no accidents or traffic violations on their driving records for the past three years.
• Multi-policy discounts: Offered to customers who bundle Segway insurance with another type of coverage, such as home insurance or car insurance, through the same carrier.
• Advance quote discounts: Offered to customers who get quotes for coverage at least one day prior to signing up for a policy.
• Homeowners discounts: Offered to customers who own a home.
• Paid-in-full discounts: Offered to customers who pay their entire annual premium upfront in one lump sum.

Your independent insurance agent will automatically check for any discounts you can earn to get you the most possible savings on Segway insurance.

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An Independent Insurance Agent Can Help You Get Segway Insurance

Working together with an independent insurance agent can be the easiest way to find less common types of coverage, including Segway insurance. Your independent insurance agent knows which carriers near you offer Segway insurance and can help you build and customize your policy according to your needs. And down the road, they'll still be there to help file claims or update your coverage as necessary.