Compare electric bike insurance for electric bicycles

What does eBike insurance cover?

Electric bike insurance can include cover for:

When you buy insurance for your electric bicycle, providers often include various add-ons. Some of these may cost extra, so you need to decide which add-ons are necessary.

Do I need electric bike insurance?

That depends. Could you afford to replace or repair your eBike if it were stolen or damaged in an accident? If the answer is no, electric bike insurance could be a good investment.

Is electric bike insurance a legal requirement?

No, not unless it’s classed as a moped or scooter because it can travel faster than 15.5mph under electric power. However, it’s still a good idea to have insurance for your protection.

How to make sure you have the right kind of electric push bike insurance

First, make sure you have the correct type of cover: theft, malicious or accidental damage, personal accident or third-party liability. 

Second, read the insurance vehicle documents carefully to ensure your policy covers the full cost of your bike if you need to make a claim.

Third, check that your bike is classed as an electric bike and not a scooter or moped. An eBike has:

If it exceeds the current maximum speed of 15.5mph, your eBike insurer may class your bike as a moped. If that’s the case, your bike won’t be covered by a standard eBike policy. 

Could I be covered on my home insurance?

Some home insurance policies include pedal cycles, but the amount covered is likely too low for more expensive electric bikes. Many home insurance policies only cover bikes at home, too. Talk to your home insurance provider to see if they can offer the extra protection you need as an add-on.