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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

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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You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know on this page.

We aim to show you home insurance quotes from as many insurance companies as possible, so that you can find the right policy for you.

Unfortunately, we can’t promise to show quotes from every insurance provider, because not all companies want to be included on comparison websites.

We won’t offer you advice or make a recommendation, but we will provide you with all the information you need to help you decide which is the right policy for you.

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