Yes, it is safe to ride it in the rainy season as it operates on DC voltages of 48V-72V. So you need not worry about the shocks that occur with AC supplies. Whereas, the motors used within are IP65 rated i.e waterproof which protects it with water outside.
If your vehicle is a NON-RTO then it is not compulsory to get it insured but in case if you want to you can get your electric scooter insured by any insurance provider.
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