Members of NRSC Meet with Insurance Sector to Confirm Availability of Insurance for Micro-mobility Devices

The National Road Safety Committee (NRSC) met today with the Cayman Islands Insurance Association (CIIA) and its member companies to discuss insurance coverage for micro-mobility devices, including electric scooters, Segways and similar personal transport devices, following public feedback and questions regarding insurability.

The meeting was attended by members of the National Road Safety Committee, including the Chief Officer for the Ministry of Planning, Lands, Agriculture, Housing & Infrastructure (MPLAHI) in his capacity as Chair, and the Director of the Department of Vehicle and Drivers’ Licensing (DVDL). Insurance sector participants included representatives from Caribbean Alliance, CG BritCay, ICWI, Cayman First, Saxon/Indigo, VRS representing Royal Star & Guardian, CINICO, and Island Heritage.

The purpose of the meeting was to review the existing legal and regulatory framework governing micro-mobility devices, confirm how insurance requirements are applied in practice, and support clarity and consistency for the public as enforcement of existing laws takes effect.

During the meeting, it was further confirmed that insurance coverage for compliant micro-mobility devices is currently available through Indigo Insurance, with additional insurers expected to come online in the coming days and weeks, subject to their individual underwriting processes. As with all motor vehicles, insurance availability depends on a device meeting legal and safety requirements.

Under Cayman Islands law, micro-mobility devices that are mechanically propelled and used on public roads are treated as motor vehicles and are subject to the Traffic Act (2023 Revision) and related regulations. Section 16 of the Traffic Act provides that a vehicle licence may only be issued where the Director of DVDL is satisfied that the vehicle:

• is appropriately classified for licensing purposes;
• has been properly registered and matches the particulars entered in the register;
• has a valid certificate of roadworthiness in force; and
• complies with the Vehicle Insurance (Third Party Risks) Act (2012 Revision).

In practice, this means that valid insurance must be in place before a micro-mobility device can be registered and licensed. DVDL will not register or license a device unless insurance coverage has already been secured. Where a device meets inspection and roadworthiness requirements, it may be insured, subject to the underwriting criteria and commercial decisions of individual insurers.

The NRSC also reiterated that any micro-mobility device not deemed roadworthy by DVDL must not be operated on public roads, and that enforcement of existing laws is carried out by the Royal Cayman Islands Police Service (RCIPS).

The Committee welcomed the constructive engagement of the insurance sector and noted the shared commitment to public safety, clarity and compliance. Ongoing dialogue between Government agencies, enforcement authorities and insurers remains an important part of supporting the safe and lawful use of micro-mobility devices in the Cayman Islands.

Members of the public seeking guidance on inspection, insurance, registration and licensing requirements are encouraged to visit https://www.dvdl.gov.ky/licencing/e-bikes-scooters-and-similar-personal-transport-devices-2