Electric bike insurance

An electric bike can make your commute a lot easier, but having good eBike insurance is crucial. Compare electric bike insurance quotes to find cover that protects you from damage and theft.

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Last updated: 21 May 2021

How to find the best electric bike insurance for you

First, you’ll need to work out exactly what eBike insurance you need.

Electric bikes can be expensive to buy, with some top-of-the-range models costing around £10,000. You’ll need to make sure that you have enough electric bike insurance cover depending on the value of your bike.

Without the right electric bike insurance, you could find yourself spending a lot of money on repairing damage or replacing a stolen bike. The more expensive your electric bike, the more these things will cost.

Plus, electric bikes are a desirable commodity. It’s not unusual for them to be stolen while locked up outside shops or at train stations, for example. 

Get the right eBike insurance for you

When travelling on an electrical bicycle, UK wide, it’s important to have an electric bike insurance policy that will cover the full cost of your bike. To make sure you’ve got enough cover, you’ll need to check the maximum cover that each policy offers.

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

An electric 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 electric bike if it’s damaged or vandalised.

  • Personal accident: This can give you a lump sum pay out if you’re 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.

But there are more add-ons available should you think you need them.

What extra protection can I get for my electric bicycle, UK wide?

Most eBike insurance policies offer extras you can add to your policy to increase the level of cover on your electric bike insurance policy. 

For example, you could pay more to get cover for:

  • Your accessories like GPS, lights, clothing and helmets

  • Bicycle breakdowns

  • Replacement bike hire

  • Riding your bike abroad

  • Cover for family members

  • Competition use.

Check each eBike insurance policy carefully to make sure it gives you the cover you need before you go ahead and buy it. 

If you simply purchase the cheapest eBike insurance, UK wide, you may not have the right cover for you. What you need to look for is the best value electric bike insurance. That means you’re getting the exact cover you need, for the best available price.

Here’s everything a bicycle insurance policy covers.

Find the best value electric bike insurance 

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

Your quote will be based on how much your bike is worth and where you live. The amount of theft in your area will affect the price.

There are a couple of things you can do to help you to find the best value electric bike insurance.

Our comparison table will help you find the best value electric bike insurance which also suits your needs perfectly. Shopping around is always a good idea when it comes to insurance.

You could also look at paying a higher excess. This could reduce the price of your premium overall, but it’s important to make sure you can afford the excess you choose. Otherwise, you won’t be able to pursue your claim.

Finding the cheapest electric bike shouldn’t be your priority. The top priority is finding insurance that gives you the cover you need. Then you can start thinking about finding it for the best price.

Make sure you have the right kind of electric push bike insurance

If your electric push bike exceeds a certain top speed — currently 15.5mph — your eBike insurer may class it as a moped. That means electric bike insurance might not be right for you.

If that’s the case, you’ll need specialist scooter and moped insurance. Your bike won’t be covered by a standard eBike policy.

If your vehicle is classed as a moped or scooter, you’re legally required to have insurance and road tax. You’ll also have to go on a Compulsory Basic Training course. So it’s important that you know exactly what your vehicle’s classed as. You should check your insurance vehicle documents carefully to make sure your vehicle’s covered.

Generally, to be considered an eBike, your vehicle must comply with the Electrically Assisted Pedal Cycles (Amendment) Regulations 2015. For example, it’ll need:

  • Maximum power of 250w

  • Maximum electric speed of 15.5mph

  • Pedals that can propel it.

If it meets these requirements, you can ride it on cycle paths and anywhere else that you’d ride a standard pedal bike. 

No, you’re not legally required to have electric bike insurance. It’s a good idea to have it for your own protection, but you won’t get in trouble with the law if you’re caught riding without it.

The question to ask yourself is whether you could afford to replace or repair your eBike if the worst happened. If the answer is ‘no’, then electric bike insurance could be crucial to have.

However, if your vehicle’s deemed to be a moped or scooter based on how fast it can travel (see above), then this changes things. Insurance then becomes a legal requirement. You’ll also need road tax if this is the case.

Could I be covered on my home insurance?

It’s worth checking. Some home insurance policies include pedal cycles, but the cover limit is likely to be low. This means it’s unlikely that you’d get enough cover for your electric bike, which will be much more expensive than a standard bike.

Many home insurance policies only cover bikes when they’re at home, too. This means you wouldn’t be covered for anything that happened away from the home. If you’re using your bike often, this won’t do.

You could talk to your home insurance provider as they might be able to offer it as an add-on.

Claims that eBike insurance won’t cover

Even the very best eBike insurance policies won’t cover you for every eventuality.

Common exclusions from electric bike insurance include:

  • Incidents that occur while you’re under the influence of drugs or alcohol

  • If you use your bike for monetary gain (such as if you’re a delivery driver)

  • If you can’t prove you own your bike (always keep the receipt!)

  • Cosmetic damage that doesn’t stop the bike from working

  • Damage to accessories

  • Theft, where you haven’t appropriately secured your bike

  • Theft, if you’ve parked your bike in public for more than 12 hours

Electric bike insurance FAQs

Yes, most insurers cover mechanical breakdown. Some policies also include a recovery service if you break down away from your home.

No, it does not need to be taxed or insured to be used on the road, as long as it has pedals and does not travel over 15.5 mph.

No, you must lock your bike up to an immovable object if you leave it in a public area. If you keep it at home it must be locked inside or in your garage.

Yes, most insurers only accept a claim for theft if your bike has been secured using an approved lock. Find out what Sold Secure locks you need here.

Yes, but only when it is in your home or locked away on your property. Most contents policies do not cover expensive bikes; find out more here.

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By comparing bicycle insurance, you could save money on the policy. The best value bicycle insurance will offer you the cover you need, at a price you can afford. Choose a cover plan from the best UK insurance companies and see the online discounts they offer.

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