>90% in my country. I wouldn't be able to rent an apartment without one. But that is beyond the point. If you use a bike on public roads and want to be insured

>90% in my country. I wouldn't be able to rent an apartment without one. But that is beyond the point. If you use a bike on public roads and want to be insured, you can. A scooter, your insurer will tell you they cannot do anything.