Electric Bike Insurance

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The Electric Bike Insurance specialist for the everyday cyclist

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Electric Bike Insurance

The Electric assisted bicycle phenomenon is sweeping the country. In the UK, ‘Electric Bike’ is searched approx. 202k times per month, which is the equivalent of just over 2.4M searches per year!

Choosing an E-bike can make tackling ‘that hill’ a thing of the past and it’s a fun and accessible way for many of all ages to enjoy the outdoors and ‘bike-packing’!

The environmental benefits are an attractive concept as well. With your E-bike using ‘clean’ energy and improving air quality, it results in fewer cars on the roads making them safer for everyone.

We can’t talk about E-bikes without mentioning the financial aspects. Not only can you avoid car park and hefty fuel charges, you can also take advantage of Cycle to Work schemes.

So whether you are a veteran cyclist or a new rider, the benefits of moving to an electric bicycle cannot be underestimated!

What is an E-bike?

As you can see, there are many great benefits to investing in an E-bike but what actually is an E-bike? Well, it looks almost exactly the same as a traditional bike, but it has an added rechargeable battery and electric motor to help power the bike along.

When cycling you’ll be able to choose the level of help you want - from a little (for level routes) to a lot (for those really steep hills). The electric bike technology can work wonders at making pedalling easier and helping you reach higher speeds.

Under UK laws to be defined as an E-bike the electric motor must have a maximum power output of 250 watts or below. And for safety, electric bikes can’t help you travel faster than 15.5mph (25km/h) on public roads and cycle paths.

Obviously, you can travel faster than this speed using just pedal-power, for example if you’re hurtling down a steep hill, but the motor won’t help you. If your electric bike is more powerful than this then it will be classed as a motor vehicle (see below).

Do you pay road tax on electric bikes?

In the UK, road tax (also known as Vehicle Excise Duty or VED) is currently not required for electric bikes. This is because electric bikes are considered to be zero-emissions vehicles and are exempt from road tax.

However, as we mentioned above, if you're using an electric bike with a power output of over 250 watts or if the motor doesn’t cut off when it reaches a top speed of 15.5mph, it will be classified as a 'motor vehicle'.

If this is the case then you will need to register it with the DVLA (and get a number plate), insure and tax it as a motor vehicle, have an appropriate driving licence, and wear a motorcycle helmet. Not only will you lose many of the benefits of owning an E-bike but you also won’t be covered by electric bicycle insurance.

Can electric bikes be covered by insurance?

Just as with a regular bike, there’s no legal requirement that you must insure your E-bike. However, when you consider that an E-bike could be worth anything from around £1,000 up to an eye-watering £10,000, then if it’s stolen or damaged you could be facing a hefty bill to repair or replace it.

Fortunately, Bicy prides itself on providing specialist electric bicycle insurance perfect for you and your bike. Provided it meets the standards of an E-bike and it’s ridden within the legal requirements of the UK, then you should have no trouble getting an electric bicycle insurance policy that covers you or a family member.

Will my home insurance cover my E-bike?

A common question, and one worth investigating when deciding on a specialist electric bicycle insurance policy. Most home insurance policies should offer some limited level of cover for regular bikes, and that might include E-bikes. But the cover they provide is likely to be far from comprehensive.

For example, your home insurance policy will probably contain a single item limit for a bicycle, that’s likely to be a lot less than what your E-bike is actually worth. If you’re currently lusting after the latest electric model from Raleigh, Cube or Falcon, then your standard home insurance might not cut it.

It’s also unlikely to cover the costs of accidental damage and bicycle theft while away from home. And what happens if you’re injured or injure someone else while on your electric bike? Standard home contents insurance is unlikely to cover any damages or compensation.

Not to mention all those invaluable extras that a specialised electric bicycle insurance policy will bring. For more details on those, see below.

How much is electric bike insurance in the UK?

How much you’ll pay for an electric bike insurance policy depends on a number of factors. Any e-Bike insurance premium calculation will be based on a wide range of different variables, including:

  • Your location
  • Rates of crime in your local area
  • The model of E-bike you want to insure. Is it a mountain bike, road bike or something else?
  • The E-bike’s current market value. New bikes are bound to be worth more than older, second-hand bikes.
  • Whether you plan to use the E-bike for business and competitions, as well as your commute.
  • Whether you want to take your E-bike abroad.
  • Whether you want to pay monthly or annually.

The best way to get an idea of how much E-bike policies will cost is to use the Bicy Insurance online quote service. Simple enter your bike’s value and your postcode and you’ll have a quote for specialist insurance in no time!

By arranging a quote, you’re under no obligation to take out a policy. Try it out today – it could cost less than you think.

Should you insure an E-bike?

Choosing to insure an electric bike will be a personal decision. But here are a few factors to consider when deciding whether or not you need cover:

  • Value of the bike: High-value electric bicycles are worth insuring to protect your investment in case of accidents, theft, or damage.
  • Risk of theft: Live in an area where bike theft is common? Insuring your electric bike to protect yourself against loss would be a wise move. Not to mention finding a locked garage!
  • Personal circumstances: How much do you use your electric bike? If you’re a cycling commuter then it’s probably worth insuring your bike to protect yourself in case of an accident. Public liability insurance is also very handy.
  • Personal finances: Can you afford to replace or repair your expensive electric bike if it was stolen or involved in an accident? Having insurance helps to protect against unexpected costs.
  • Insurance cost: How much will electric bike insurance cost you? Considering the value of the bike, the risk of loss and your personal circumstances a small monthly premium could offer great value for less than you think.

Having electric bike insurance means you won't have to pick up the bill if something goes wrong.

What features can E-Bike insurance include?

There’s a long list of features worth looking out for when you’re deciding between specialist electric bike insurance policies. Look for cover that includes:

  • Accidental damage cover
  • Malicious damage cover
  • Theft cover
  • Personal injury cover
  • Mechanical breakdown
  • New for old replacement
  • Replacement cycle hire
  • Cycling accessories cover
  • Competition and race fees cover
  • E-bike rescue recovery
  • Emergency medical cover
  • Legal expenses cover
  • Public or third party liability cover
  • Cover for family members
  • Multiple bikes cover
  • Worldwide travel cover
  • Cover for loss of earnings
  • ID theft cover

To get the right mix of cover for you, speak to the team at Bicy. We're specialists in finding electric bike insurance policies to suit your needs.

What is public liability cover?

Depending on the insurance company, public liability cover is known by a variety of different names, including personal liability or third-party liability. But they all do the same thing.

It provides cover against damage for personal injury or third-party property damage caused by you. Here at Bicy, we will pay up to £1million to indemnify you against any third party liability claims made against you if you injure someone or damage their property while using an electric bicycle.

What is ID Theft insurance?

ID theft is becoming an increasingly common occurrence in today’s inter-connected world. Fraud using your stolen personal details can cost you a lot of money, so ID Theft insurance is designed to cover the costs of being defrauded.

While it can be bought as a standalone policy, it’s much better to find it as an additional extra to home insurance or E-bike insurance policies. E-bike insurance from Bicy does just that, so you don’t have to worry about ID theft.

What’s covered in your Bicy policy?

For Your E-bicycle

Accidental Damage
Theft Cover
Mechanical Breakdown
Worldwide Cover
New for Old Replacement

For You

Personal Accident Cover up to £10,000
Personal Liability Cover
Legal Expenses up to £100,000
ID Theft Cover up to £25,000

  • Personal Accident

  • We will pay the amount shown below if, at any time whilst you are using the bicycle, you are involved in an accident which solely and independently of any other cause, leads to bodily injury which results in your death, loss of limb, loss of sight or permanent disablement.  Cover is up to £10,000.

  • Public Liability

  • We’ll pay up to £1 million against any third party claims made against you if you injure someone or damage their property whilst cycling.

  • Worldwide Cover

  • Whether you’re planning an adventure along the Coast of Southern Europe or a trip through the mountains and villages of South America, you’ll be in good hands with us.   You’ll be covered for up to 60 days per year anywhere in the world. During that time abroad your cover will be as usual.

  • Theft Cover

  • If your bike is stolen, we will offer you a replacement bicycle as new.  If the bicycle cannot be replaced with a new and identical bicycle to the one that was insured, we will replace it with one of comparable specifications or the equivalent value of the original bicycle (minus depreciation if applicable).

  • Accidental Damage

  • If your bike or any of its insured parts and accessories is damaged, we’ll pay the costs.

  • Mechanical Breakdown

  • If you find your bike has a defect in the parts or workmanship from the manufacturer and is out of warranty, we’ll get it sorted.

Additional Benefits

  • New for Old Replacement

  • Provided your e-bike is under two years old from the time of manufacture, we’ll replace it with a brand new e-bicycle if it gets stolen or damaged beyond repair.

  • Legal Expenses Cover

  • If you have a cycling accident giving rise to a claim, our legal team is on hand 24 hours a day, 365 days a year to offer specialist advice and, where appropriate, take over the claim on your behalf. Cover is up to £100,000.

  • ID Theft Cover

  • If you’ve been the victim of Identity Theft, we’ve got specialists on hand to help you through the legal proceedings associated with getting yourself back. Cover is up to £25,000.

Additional Benefits

Services we provide

Flexible Payment Dates

Our Interest free payment plan allow for you to pick your preferred payment date allowing you to safely manage your payments

UK Based Customer Support

Our Portsmouth based contact centre are happy to answer your questions by either Phone, Email or of via our Webchat service. We also have a 24/7 Claims Notification Portal

Find Out More

When insuring an electric bike in the UK, it’s important to ask plenty of questions. You'll want to get a policy that's just right for you and the kind of electric bicycles you have.

  1. Does the electric bike insurance cover electric bikes specifically?
  2. In terms of bike value, what is the maximum amount the electric bike insurance will cover?
  3. Are there any limitations on where and how the bike can be ridden?
  4. Does the policy cover theft, damage to the bike, and liability in case of an accident? Is there a limit on legal fees?
  5. Are there any discounts available for taking safety measures such as installing a lock or using a tracking device?
  6. What is the process for making a claim and how long does it typically take to receive compensation?
  7. Does the policy include personal accident coverage for the rider?
  8. Are there any additional coverage options available such as breakdown or recovery services? Is there an extra cost for these?
  9. What exclusions are there? For example, damage caused by taking part in amateur races and organised events, or damage due to wear and tear.
  10. Is this the best value policy for my circumstances?

  • Check the tyre pressure of your E-bike and ensure the chain is well oiled.
  • Ensure there’s enough E-bike battery charge for your trip.
  • Wear a helmet and appropriate clothing.
  • If you’re new to the electric bike, test it out in quieter areas first.
  • Stick to the rules of the road and keep an eye out for potential road hazards.
  • Be aware, if you’re travelling faster you’ll need to brake earlier for junctions.

Finding cover for two wheels has never been easier. Talk to the team at Bicy today!