Specialist electric bike (e-bike) insurance

Why do I need specialist electric bike (e-bike) insurance?

The electric revolution is well and truly underway. Battery-powered assist bikes allow you to shoot up hills and pootle along tricky paths without breaking a sweat.

Whatever type of riding your e-bike is used for – whether it’s recreational, commuting or mountain biking – this is likely to be expensive. With e-bikes costing between £500 to £2,500, it’s therefore vital it is sufficiently protected.

That’s why it’s essential that you have e-bike insurance, so you are not left out of pocket if it’s damaged or stolen. Whether you require theft and accidental damage cover or Public Liability if you injure someone else on the road*, our insurance is designed to protect you and your e-bike.

It’s unlikely your e-bike is covered by your home insurance policy

Due to their expensive price tag, locking your electric bike outside a shop, train station or your office can leave you worrying whether it will still be there when you get back. Unfortunately, it’s likely your e-bike is not covered by your home insurance policy, and you may have to contact your home insurer to add your e-bike to the cover at an extra cost.

Even then, if your bike is stolen when out of the house, it’s unlikely you be insured. Research has shown that one in three household insurance policies don’t cover bikes away from home. With specialist e-bike insurance, your bike is covered whether you’re at home or out and about.

We offer a range of cover options - build your own bespoke policy tailored to your needs.

*We do not offer Public Liability for electric bikes for customers based in Northern Ireland, or customers in England, Scotland or Wales where there is a legal requirement to pay vehicle tax for road use.

Theft and Accidental Damage up to £30,000

The average cost of an e-bike means that, when they’re locked up in a cycle rack next to less expensive bikes, they’re an attractive target for thieves. And if they get damaged, you might be forking out a lot of money for repairs.

If your e-bike is damaged or it is stolen, our e-bike insurance will cover you for the cost of bike repairs or a replacement. We’ll replace your bike ‘New for Old’ as standard on bikes which are up to 3 years old and were bought new. With our specialist insurance, you won’t be off the bike for very long.

Up to £5m Public Liability cover

When travelling on busy roads, injuring another cyclist, colliding with a pedestrian or accidentally scraping someone’s car are all possibilities. Our Public Liability will help cover the costs* you may be legally obliged to pay if a claim is made against you for injury to another person or third-party property damage.

*We do not offer Public Liability for electric bikes for customers based in Northern Ireland, or customers in England, Scotland or Wales where there is a legal requirement to pay vehicle tax for road use.

Personal Accident

When you’re riding on busy and congested roads on a regular basis, it goes without saying that accidents such as collisions can happen.

That’s why you need Personal Accident protection in case you have an accident or fall off and injure yourself. This cover provides financial compensation for physiotherapy, dental treatment, permanent disability and death so you’re covered for even the worst of accidents.

Accessories cover

We know that, on an e-bike, you can reach high speeds, which highlights the importance of protective gear and accessories. However, this equipment often costs a lot of money. Therefore, it’s important to have accessories cover so that your protective equipment can be repaired or replaced if it’s stolen or damaged.

If, for example, you crack your helmet or damage your lights as a result of an accident, you can make a claim under our e-bike accessories insurance. However, both your bike and its accessories must have been lost, stolen or damaged in order for you to make a successful claim.

Cover all your bikes on one policy

If you own a road bike, a mountain bike or like to do stunts at the weekend on your BMX, you don’t have to stress about buying multiple insurance policies for each bike. If you have more than one bike, we’ve made it easy for you to insure them all on one policy.

Why choose us?

Our electric bike insurance is provided by Cycleplan, part of Ripe. You can build your own policy tailored to you so you’ll never pay for more cover than you need. We’re confident you won’t find another policy that closely matches your needs for a lower price. That’s why we have a Lowest Price Guarantee, meaning that if you take out a policy and within 14 days happen to find the same levels of cover elsewhere for less, we’ll refund the difference.

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