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Electric Bike Insurance

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What is an E-bike?

An electric bike (or E-bike) is essentially a normal push bike with a battery-powered “assist” that comes via pedalling. This means that when you push the pedals on your E-bike the motor engages and gives you a boost.  

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What insurance can I get for my E-bike?

E-bike insurance an provide cover for the following:

  • Theft

    Covers you if your electric two-wheeler were stolen, so you can get a replacement

  • Accident or malicious damage

    Covers the cost of replacing your bike or repairing any damage caused by vandalism

  • Third party liability

    If you accidentally injure or cause an accident while on your E-bike, you’re covered

  • Personal accident

    Pays a lump sum if you suffer a serious accident or injury while riding your E-bike

Do you need insurance for an electric bike?

Electric bike insurance is not a legal requirement in the UK, but could you afford to repair or replace your bike if you needed to? Bike theft is a common problem in the UK - if your bike’s properly secured, a bicycle insurance policy will normally cover you for theft and damage caused by vandals.

Unfortunately, theft isn’t the only risk that comes along with cycling – thousands of cyclists are reported killed or injured in road accidents each year in the UK. You may want to consider personal injury cover with your electric bicycle insurance, which will give you a pay out if you’re hurt while cycling.  

Not all policies cover every injury though, so check the terms and conditions of the policy before you buy. 

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What extras can I get with electric bike insurance?

You can also add additional cover to your E-bike insurance for extra protection, such as:

  • Breakdown

    Covers your electric bike if it were to break down when you're out and about

  • Accessories

    Covers things like GPS or lights that could get lost, stolen, damaged or vandalised

  • Cycling abroad

    Covers you if you choose to cycle on roads in countries other than the UK

Is my electric bike covered by my home insurance policy?

Before you take out a specialist electric bike insurance policy, check your home insurance to see what cover you have for bikes. 

Most contents insurance policies that include bikes have a low cover limit, which is likely to be below the value of your electric bike, and unlikely to cover bicycle theft away from the home. 

You might be able to add cover for bicycles away from home for a cheaper price than a specialist bicycle insurance policy, so check with your insurer. 

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Are there any policy exclusions:

If you’ve taken out E-bike insurance, make sure you know the policy exclusions to prevent voiding your cover or the rejection of a claim. The most common exclusions are:

  • Cross

    Using the bike for work

    If you use your bike for monetary gain, such as being a cycle courier

  • Cross

    No proof of purchase

    Any loss where you cannot prove you own the bike, so be sure to keep the receipt

  • Cross

    Cosmetic damage

    Such as scratches and dents that don’t affect how the bike rides

  • Cross

    Accessory damage

    Asking for a higher excess tells insurers that you’re less likely to claim, so you get a lower premium

  • Cross

    Unsecured bike theft

    Theft of your bike when you have not secured your bike properly

  • Cross

    Being under the influence

    Any accidents that may happen under the influence of drugs or alcohol

When does an electric bike become a moped?

If your electric bike can reach 15.5mph, it could be classed as a moped. Electric bikes must comply with the electrically assisted pedal cycles – EAPC – (Amendment) Regulations 2015. This states that they must have:

  • Pedals capable of propelling the bike

  • A max power that doesn’t exceed 250W

  • A max speed, with power assistance, of 15.5mph: you can go faster, but only under your own pedal power

If your bike is classed as a moped, then you’ll have to pay tax on it and take a compulsory basic training (CBT) course. Mopeds are required to have insurance by law, so you’d have to pay for that too.

How much does it cost to insure an E-bike?

The amount you’ll pay for electric bike insurance will depend on a range of different factors, including:

  • Your postcode

  • Local area crime rate

  • Make and model

  • Value of the E-bike

  • Competitive cycling

How can I get cheaper E-bike insurance?

The level of protection your mobile phone insurance policy provides varies between insurers and their products, but you’ll generally be able to find cover for:

  • Shop around

    Compare deals from various insurers to find the best option for you

  • Store your E-bike securely

    Secure your bike with a sturdy lock and preferably in a locked garage or shed

  • Pay a higher excess

    If you can afford to, paying a higher excess can reduce the price of your premium