Theft
Covers you if your electric two-wheeler were stolen, so you can get a replacement
Compare electric bicycle insurance with Protect Your Family
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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.
E-bike insurance an provide cover for the following:
Covers you if your electric two-wheeler were stolen, so you can get a replacement
Covers the cost of replacing your bike or repairing any damage caused by vandalism
If you accidentally injure or cause an accident while on your E-bike, you’re covered
Pays a lump sum if you suffer a serious accident or injury while riding your E-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.
You can also add additional cover to your E-bike insurance for extra protection, such as:
Covers your electric bike if it were to break down when you're out and about
Covers things like GPS or lights that could get lost, stolen, damaged or vandalised
Covers you if you choose to cycle on roads in countries other than the UK
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.
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:
If you use your bike for monetary gain, such as being a cycle courier
Any loss where you cannot prove you own the bike, so be sure to keep the receipt
Such as scratches and dents that don’t affect how the bike rides
Asking for a higher excess tells insurers that you’re less likely to claim, so you get a lower premium
Theft of your bike when you have not secured your bike properly
Any accidents that may happen under the influence of drugs or alcohol
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.
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
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:
Compare deals from various insurers to find the best option for you
Secure your bike with a sturdy lock and preferably in a locked garage or shed
If you can afford to, paying a higher excess can reduce the price of your premium
Coronavirus has meant we’ve been spending more time at home than ever, but it’s unlikely that this has had an effect on your home insurance policy. Find out more from our home insurance and coronavirus guide.
Home insurance protects your property’s structure and contents against loss, theft or damage caused by flooding, fire, storms, subsidence and escaped water. This means you’ll be able to claim repair or replacement costs for most of the following, depending on your policy.
Furniture, such as sofas, chairs, tables, beds and wardrobes
Gadgets, such as mobile phones, tablets, cameras and games consoles
Refrigerated or frozen food that spoils if your fridge or freezer stops working
Homeware, including kettles toasters, microwaves, pots and pans
Vinyl records, CDs, DVDs, games and books
Garden contents, like tools, plants, fencing, sheds, pipes, cables and drains
Broken windows, doors or locks as a result of theft or vandalism
The cost of rebuilding your home
You aren’t required by law to have either buildings or contents insurance, but it’s always useful to have protection in case something unexpected happens. If you have a mortgage, your lender should insist that you take out buildings insurance for the whole mortgage term – but you can find it from other sources too, including price comparison websites such as MoneySuperMarket.
To calculate how much cover you need from your home insurance policy, you’ll need to account for:
How much it would cost to rebuild your property from the ground up
The total value of your home’s contents, and how much it would cost to replace every item
If you’re a tenant you’ll only need to take out a renters insurance policy – this will let you cover your personal belongings. Your landlord should have their own buildings cover in place, and while they may also have a contents policy this will only apply to items they’ve supplied for the property, such as furniture.
Putting your life insurance policy in trust lets you name the people you want to receive your life insurance payout(your trustees).
There are different types of trusts available depending on your individual or family circumstances.
Putting your life insurance policy in trust also protects the payout from inheritance tax.
Listed buildings are properties of historical or architectural significance, and you’ll often need to take out a specialised listed building policy as many insurers don’t offer standard cover for these buildings.
Likewise unusual properties, such as buildings made from non-standard materials, also aren’t usually covered by standard policies – so you’ll need to take out specialised cover.
Yes, your credit score can affect the price you pay for home insurance. Insurance companies look at your credit history to know how much of a risk they’re taking with you and to come up with the appropriate rates.
When we’re at home, our personal possessions are normally protected by home contents insurance but this doesn’t usually cover them when you’re out of the house. Different policies offer different cover but often you have to pay extra to cover possessions that you take out of the home, like jewellery or gadgets, for example. A personal possessions insurance policy covers your personal belongings against loss, damage, or theft when you take them outside your home.
Calculating the rebuild cost of your home is a necessary part of getting a home insurance quote. The rebuild cost is the amount of money required to reconstruct your home from the foundations up, if for example your property was damaged or destroyed in a fire or flood. A chartered surveyor can help you calculate the cost, or alternatively you could search for a rebuild calculator online.
If you're having any major building work done on your house, you will need to let your house insurance provider know. If you don’t tell your insurer your home is undergoing renovation, you may find that your policy is invalid in the event of a claim.
Some home insurance policies will cover water leaks, while others won’t. And even policies that include cover may exclude some elements of a claim related to a leak. It's important to read the terms of your policy before you buy to ensure you know what you’re covered for.
Some home insurance policies will cover water leaks, while others won’t. And even policies that include cover may exclude some elements of a claim related to a leak. It's important to read the terms of your policy before you buy to ensure you know what you’re covered for.
Home insurance typically covers unoccupied property, for up to 60 days – and if anything happens outside this period you won’t be covered. An unoccupied home insurance policy covers you when your home is empty for longer than your standard policy will allow.
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