The use of private electric scooters on roads and pavements by young individuals could lead to significant financial repercussions when they eventually seek car insurance, according to a report from MoneySuperMarket. The comparison website has highlighted that nearly 800 minors aged between 13 and 16 have received an IN10 endorsement since the start of 2020, indicating instances of using vehicles without third-party insurance. This endorsement remains on their driving records for four years following the offense. IAM RoadSmart, a safety organization, revealed through a freedom of information request that many of these cases likely pertain to private e-scooters, which are not permitted in public areas.

Data from MoneySuperMarket shows that an IN10 endorsement can inflate the annual cost of car insurance by approximately £1,000. For instance, a 17- to 19-year-old with no prior offenses would typically pay around £1,766 annually for car insurance. However, with an IN10 on their record, this figure jumps to £2,767. Similarly, for drivers aged 20 to 29, the average premium increases from £1,272 to £2,272 with an IN10 endorsement.

Kara Gammell, an expert in car insurance at MoneySuperMarket, emphasized the potential penalties associated with illegal e-scooter riding. Offenders may face up to six penalty points on their driving license and a fine of £300. Such penalties can significantly increase future car insurance costs. Parents considering purchasing an e-scooter for their teenagers should discuss responsible usage with them, highlighting that riding on public roads is not only illegal but can also have long-term financial implications.

Gammell advised parents and teens alike to be aware of the legal restrictions surrounding e-scooters and understand the potential impact on insurance premiums. Engaging in responsible behavior now can prevent costly consequences down the line. It's crucial for young riders to adhere to regulations to avoid unnecessary financial burdens in the future.