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Recent research from Chalmers University of Technology has fundamentally challenged prevailing assumptions about micromobility safety.
The study, analysing crash data from seven European cities, including Cambridge, Kettering, Liverpool and Northampton, found that e-bikes present eight times higher crash risk than e-scooters when measured per distance travelled.
This finding directly contradicts widespread public perception and previous research that consistently identified e-scooters as more dangerous. The study analysed 686 e-scooter crashes against 35 e-bike incidents, with the higher absolute number reflecting greater e-scooter usage rather than inherent danger.
This evidence emerges as cities make critical micromobility decisions. Following Paris's ban on rental e-scooters and English councils opting out of trial renewals, the future of e-scooter rentals looked unfavourable. These regulatory decisions, often driven by safety concerns this research suggests may be misplaced, create an ironic situation where the apparently more dangerous transport mode faces fewer restrictions.
The findings add complexity to ongoing micromobility concerns that prompted the government's Product Safety and Metrology Bill in response to battery fire incidents. However, this crash data suggests policy focus may have been misdirected, with e-bikes potentially warranting greater scrutiny despite receiving less regulatory attention.
What does this mean for insurers?
These findings underscore the importance for insurers to carefully review their policy wordings to ensure coverage aligns with their intentions, particularly regarding whether e-scooters fall under motor vehicle definitions or existing exclusions.
The study's revelation that e-bikes present eight times higher crash risk than e-scooters fundamentally challenges current risk assessments, suggesting insurers may have been systematically under-pricing e-bike exposure whilst potentially overcharging for e-scooter coverage, particularly significant for commercial policies covering delivery operations where e-bike usage has expanded considerably without corresponding risk recognition.
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