In summer, e-scooters and e-bikes are on every corner in Latvia – and so is the question: "Do I need MTPL (OCTA) now?" The answer depends on what exactly is parked in your garage. Let me explain it simply.
Who must have MTPL
- E-scooters – MTPL has been mandatory since 1 July 2025.
- Self-propelled e-bikes (vehicles with an electric motor that can move without pedalling; motor up to 1000 W, speed up to 25 km/h) – MTPL is mandatory from 1 May 2026, and from 1 April 2026 they must also be registered with the CSDD (Road Traffic Safety Directorate).
Who does NOT need MTPL
This is where most of the confusion lies. A regular pedal-assist e-bike does not need MTPL – if the motor only assists while you pedal and switches off as soon as you stop pedalling. In the eyes of the law, such a bike remains a bicycle.
A simple test: if your vehicle can move on its own while you just stand or sit on it – it is a self-propelled e-bike and needs both CSDD registration and MTPL. If it only moves when you pedal – no MTPL is required.
What it costs
Here is the good news: from my own practice, an MTPL policy for an e-scooter or self-propelled e-bike costs around €10 per year. It is one of the cheapest policies there is – less than one pizza dinner for a whole season of peace of mind.
The fine for riding without MTPL
Using a self-propelled e-bike in road traffic without MTPL carries a fine of €125 to €200. Compare that with €10 for a policy – the maths is simple. Statistics show that self-propelled e-bike owners are diligent (around 99% insured), but roughly a fifth of e-scooters still have no MTPL.
Tip: MTPL only covers damage you cause to others – hitting a pedestrian or scratching a car. Your own vehicle, the phone in your pocket and your broken arm are not covered by MTPL.
And what about the vehicle itself?
An e-bike or a quality e-scooter often costs €1,000–3,000 or more – and they are a favourite target for thieves. The market offers specific micromobility policies that, in a single policy, can cover theft and damage to the vehicle, your own injuries (personal accidents) and liability towards third parties – often in one policy for the whole family and all your rides: bicycle, roller skates, skateboard, e-scooter.
The terms and prices of such policies differ significantly between insurers, so it pays to compare – and that is exactly what I do for you as a broker.
Insurance broker, partner at SIA EURORISK. 18+ years in insurance. About me →
This article provides general information and is not individual insurance advice. The actual cover depends on the chosen insurer's wording and the special conditions of the policy.