That's for insurance cover for the driver's personal injuries or for the scooter itself, not public liability cover. The context above was an e-scooter colliding with a pedestrian, so I assumed it related to the pedestrian's ability to claim compensation. In that event the pedestrian would be able to claim against the scooter rider. If the rider had public liability cover via a home insurance policy, that would come into play. If they didn't have such cover (living in rented accommodation with no contents cover whatsoever for example), they'd be personally liable if found at fault.