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Electric motorbike Insurance

Get a cheap quote on electric motorbike insurance

Jake Edmonds
Written by  Jake Edmonds
5 min read
Updated: 25 May 2023

As fuel prices continue to soar and insurance premiums show no sign of dropping, many commuters and young motorists may well turn to alternative modes of transport, such as electric motorcycles, in order to cut travel costs.

Electrifying the ride: the surge of electric motorbikes

In the ever-evolving landscape of personal transportation, electric motorbikes, including scooters and mopeds, are gaining traction as a savvy choice for riders.

These two-wheeled wonders are similar to their petrol-driven counterparts but are distinguished by their electric motor and a rechargeable battery. As we delve into the world of electric motorbikes, it's crucial to understand the essentials—from the need for a helmet to the nuances of insurance policies.

A photo of a young man on a motorbike

The essentials of electric motorbike ownership

Before you hit the road with your electric moped, there are a few boxes you need to tick. First and foremost, safety is paramount, and that means wearing a helmet is a non-negotiable requirement.

Additionally, your electric vehicle must be registered, and you must have a valid electric moped insurance policy in place.

Riders of electric motorbikes need to register their vehicles and vehicle tax is usually free of charge. To ride an electric bike, you'll need either a provisional or full driving license.

If you obtained your license after February 1st, 2001, you're also required to complete compulsory basic training, which is a crucial step to ensure you're well-versed in the rules of the road and the nuances of handling an electric moped.

Electric mopeds vs electric bicycles: know the difference

It's important to draw a clear line between electric mopeds and electric bicycles. Electric bicycles are treated much like pushbikes, where helmets and insurance are not mandatory.

This distinction is vital for riders to understand to ensure they are adequately prepared and insured for their chosen mode of transport.

The allure of electric mopeds

Why are riders increasingly gravitating towards electric mopeds? The benefits are compelling:

  • Cost-effectiveness: With no fuel to purchase and vehicle tax expenses off the table, electric mopeds are a wallet-friendly option. Insurance premiums are typically lower, too

  • Urban agility: Their lighter weight and nimbleness make electric mopeds a dream in congested city traffic

  • Eco-friendly: Zero emissions mean riding an electric moped is a green choice for the environmentally conscious

However, it's worth noting that electric mopeds may not be the best fit for everyone. Their top speed and range limitations can be a drawback for those with longer commutes.

The necessity of electric moped insurance

Riding an electric motorbike or moped on public roads without insurance is not just irresponsible—it's illegal.

The consequences of flouting this law range from hefty fines to the suspension of your driving license. Therefore, securing an electric moped insurance policy is not just a recommendation; it's a requirement.

Choosing the right electric moped insurance

When it comes to insurance, one size does not fit all. Electric moped insurance, like other types of motorbike insurance, is available in three levels:

The cost of insuring an electric moped

Is insuring an electric moped more affordable than a traditional bike? The answer isn't straightforward. While there are cost-saving aspects, electric mopeds can be seen as higher risk due to their quieter operation, which may contribute to accidents.

The expensive batteries and specialised repairs, coupled with a less competitive market, can also inflate insurance premiums.

Finding the Best Electric Motorbike Insurance Deals

To navigate the insurance landscape, it's wise to compare policies to ensure you're getting the best deal that aligns with your needs.

Platforms like MoneySuperMarket offer a convenient way to obtain tailored quotes from leading UK providers, simplifying the search for the right coverage.

Embracing the electric revolution on two wheels is an exciting prospect that combines modern technology with the freedom of the open road.

As you consider making the switch to an electric motorbike, remember that preparation is key. From understanding the legal requirements to selecting the right insurance policy.

With the right approach, you can enjoy the ride with peace of mind, knowing you're covered every mile of the way.

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