Compare Electric Bike Insurance

Compare providers of e-bike insurance, You could pay less than pay less than £69 for bicycles valued between £1501 and £3000*

Policies and deals from leading Electric Bike Insurance providers, including

Tailored quotes from a panel of e-bike insurance specialists

Last Reviewed Sep 2022

Electric bike insurance comparison

Currently, anyone over 14 in England, Scotland and Wales can ride an e-bike without insurance, tax or a particular type of licence. These bikes are classed as EAPC’s ‘electrically assisted pedal cycles’. The full details for classification can be researched further here.

Cover is available for all bike types, some popular examples listed below

  • Motor Bikes
  • Commuter Cyclists
  • Triathletes
  • Multi Bike Insurance

Is my bicycle suitable for electric bike insurance?

While it may seem obvious that your bike is an electric bike and not a moped, take a moment to check that your bike is classed as an ebike and thus suitable for electric bike insurance rather than moped insurance. The existing qualifying conditions applicable for EAPC ‘electrically assisted pedal cycles’ classification in the UK are as follows:

  • The bike must have pedals as an alternative power source. 
  • Must not exceed a set speed limit, currently 15.5 miles per hour when motor engaged.
  • Power limited to 250W.

Do ebikes need insurance?

If your ebike meets the qualifying EPAC requirements, you do not need tax, a licence or insurance to ride your bike in the UK. However, insurance will protect you should your electric bike get stolen or damaged in an accident. 

Why buy an electric bike?

As fuel prices continue to rise and insurance premiums don’t show any sign of dropping anytime soon, many commuters and young motorists as well are turning to alternative modes of transportation. The most popular alternative is the simple and clean bike with electric assist. So what exactly is an electric bike (e-bike) and are they subject to the same rules as petrol-powered bikes? Electric bikes are basically the same as their petrol counterparts, but are powered by an electric motor that has a rechargeable battery. They are ridden pretty much the same way as a motorbike. A rider needs to wear a helmet, and most importantly, they need to be covered by an Electric Bike insurance policy.

Why buy an electric bicycle is a key question. The big advantage of riding an ebike is that you eliminate fuel and road tax costs. Also, electric bike insurance premiums are typically very cheap. If you take proper care of your ebike it provides you with service much longer than any car or motorbike.

They’re great for getting around town. They are lighter than their petrol cousins, and are easy to manoeuvre through traffic. However, E-Bikes usually have only a top speed of about 40 mph, and typically a range of 30-40 miles. They’re not really suitable for long commutes. The best reason to get an e-bike is that they are environmentally friendly and emit absolutely zero harmful emissions. 

Types of Cover Available on an Electric bike Insurance policy

Cyclists these days are becoming more and more aware of the need to have liability cover. Just in case you cause an accident or do any damage to a third party while you are on your e-bike.

  • Third Party: You can ride with confidence knowing that you are covered for any third party costs that are incurred because of an accident. This might be damage to someone else’s property or maybe a collision with a pedestrian or a fellow cyclist
  • Roadside Assistance & Recovery : E- Bikes enable more people to get out there and enjoy cycling. However, as equipment gets more complicated, it is becoming more difficult to repair. Should you have a mechanical problem and you can’t get home, Breakdown Service will come and pick up anywhere in the UK.
  • World Cover :  Many folks are buying e-bikes to take abroad and ride while on holiday. World-wide cover is available. This type of E-Bike cover will provide cover for theft from your holiday home or hotel, from a locked hire car, and can even cover any damages to your e-bike bike should you fall abroad. Cover is available for your bike while it is in transit on an airline. If your bike should arrive damaged, or it’s delayed, this type of cover will cover the cost of hiring a replacement.

Worldwide Cover : Cycling is no doubt a social activity. eBike insurance can allow you to have cover for each insured e-bike regardless of which member of your family is riding them

Optional Electric bicycle Insurance Cover Options

Most bike policies offer options that can be added in to the standard policy. Below is a list of typical extras that can be added in to make your policy individual  and exact needs.

  • Competitive use
  • European multi trip
  • Loss of Earnings
  • Legal Expenses
  • Replacement Bike
  • Accessories

Keep your ebike secure

You may own the “Gold Standard” of a lock. However, if you do not know how to secure your e-bike the correct way, it’s pretty much pointless. It is crucial that you know how to use it properly. It’s not going to be much of a deterrent to a thief if you use it incorrectly. Right now, you may be thinking – “How hard can it be to lock up a bike?” You might be surprised at just how many people get it wrong. There are a few basic principles to follow, and yes, we are going to explain them right here, right now.

Location

Never lock your electric bicycle on a darkly lit road. You are just inviting a thief to take it. Always secure it in a well-lit area and If possible in an area where people are constantly passing-by.

Efficient Locking

Lock the frame, along with the front and back wheel, to the object you have chosen to secure it to. Should you only have one lock, remove the front wheel, and lock it together with the frame. Do not just leave it hanging loosely between the bike and the object you have locked it to. This can allow the thief more manoeuvrability where they can create enough leverage to possibly force open the lock.

Two different locks are always better than one

The word ‘different’ is the key factor here. By using two different types of locks, the thief will need to use different types of tools to try and defeat them. While it’s possible, it is highly unlikely that a thief with want to take the time needed or have an assortment of high-end tools with them. A U lock and a chain lock is considered a worthy opponent for most bike thieves.

Remove Accessories

Whenever possible, take all accessories with you. A bicycle is a lot less appealing without lights or wheels attached to it. Many thieves who steal bikes do so and literally ride off on them. Something simple to do is remove the seat post. This will make it incredibly hard for a thief to just ride away.

e-bike Safety

Riding an Ebike can be safe and fun as long as the rider remembers they have no physical protection in an accident. Because of that, the rider should always be on the alert for other vehicles that might travel into the path of the ebike. You should also always wear your helmet and obey all posted traffic signs and follow any e-bike safety tips.

Compare Providers of electric bike Insurance

Like any insurance product, many brokers can provide electric bike Insurance. For electric bikes it is a more niche insurance product with a few specialist providers that include Halford's electric bike Insurance, Lexham, LV and Direct Line insurance are competing for your business. You will also find it possible to get quotes on comparative websites, such as go compare electric bike Insurance. We can also help by providing access to comparison quotes
from top UK providers of electric bicycle insurance. Select quote button below to get started.

Electric bike insurance FAQs


Will I be covered if my electric bicycle breaks down?

Breakdown cover if not included can be added as an extra to your standard ebike policy. For motorbikes, you will in general need a separate motorcycle breakdown cover.

Do I need to tax and insurance to ride my electric bike on UK roads?

The rule as of 2020 is that it does not need tax or insurance provided that it has pedals and does not exceed 15.5 mph.

Will I still be covered if I do not use an approved electric bicycle lock?

No. All providers of electric bike insurance including cycleplan stipulate that your bike must be secured when not in use. This means it must be secured to an immovable object if out and about. If at home, it must be locked inside your house or garage.


What type lock can I use to secure my bike?

Most brokers will only accept a claim if the bike has been secured with an approved lock. Please refer to the broker for details or list of approved locks as it does vary.


Will my contents house insurance cover my electric bike?

Most home content polices will provide cover for bicycles, but it is worth noting that most household policies will not extend cover to expensive bikes. Given that most ebikes are expensive, you need to check direct with your insurance provider.


*51% of customers with a bicycle valued between £1500 and £3000 who obtained a quote for Bicycle Insurance through this service provided by Seopa Ltd during September 2023
were quoted less than £68.66. Using the same calculation for bicycles valued up to £1500 gave a figure of £35.12 and for bicycles valued over £3000 gave a figure of £143.54.

Scroll to Top