First you need to work out exactly what protection you need. Electric bikes can be expensive to buy, with top of the range models costing up to £2,000.

Get the right cover

Make sure you get a policy that can cover the cost of your bike by checking the maximum cover each insurer offers. A bicycle insurance policy can include cover for:

  • Theft: This can cover the cost of a replacement bike if yours is stolen.

  • Malicious or accidental damage: This can cover the cost of repairing or replacing your bike if it is damaged or vandalised.

  • Personal accident: This can give you a lump sum pay out if you are seriously injured after an accident on your bike.

  • Third party liability: This can cover the cost of any claims against you if you cause an accident while riding your bike.

Add extras if you need them

Most policies offer extra options you can add to your policy to increase your cover. You can add cover for things like:

Check each policy to make sure it gives you the cover you need before you buy.

Shop around for the best policy

When you know what cover you want, look for a policy that offers what you need at the cheapest price.