Do I need specialist Electric Bike Insurance?
Most electric bikes retail for £1000 or more, meaning E-bike cover on a home insurance policy either isn’t available or comes with a lot of restrictions. There is almost always an extra cost if you want to cover your electric bike for theft away from home, and important features like third-party liability or accidental damage usually aren’t covered at all.
As a specialist bicycle insurer, we provide cover against theft, accidental damage and third-party liability for E-bikes.
Most ebike riders take out our “Essentials” policy. Yellow Jersey started as a very racy brand (and enthusiasts still love our products), so we added the Essentials tier to make sure commuters and leisure cyclists weren’t paying for loads of extras they didn’t want or need.
If you love taking your electric bikes on holiday with you, our “Performance” tier of insurance extends our cover for your e-bikes to Europe.
If there are several people in your family riding electric bikes, you can add them all to the same policy and make use of our generous 60% multi-bike discount. Electric bikes benefit from an additional 30% discount because our stats show you’re more careful with your bikes!
Our policies have very high-value limits (£15,000 per bicycle), so we can accommodate every electric bicycle, tricycle, and electric cargo bike on the market.
Lots of customers ask us about battery protection. Electric bike batteries are valuable, and sometimes these will be targeted while the rest of the bike is left behind. If your ebike battery has a key locking mechanism and this is broken during a theft, the battery is covered under our vandalism protection.
Many riders overlook liability insurance while comparing electric bike insurance policies. We think it is one of the most important features for a rider to have which is why we include it in all policies as standard, and don’t offer it as a “upsell” with additional premium. If you hit a pedestrian or another road user’s property while riding a heavy e-bike at 15.5mph, there is a possibility of causing significant damage. We will cover your liability up to £2 million.
If you are insuring an electric bike with us, it must comply with UK law. This means the assistance is restricted to 15.5 mph, the motor only assists while pedalling (no throttles!), and it is not subject to the Road Traffic Act. We won’t cover bicycles which have been converted to electric power post-sale, and any modification to remove speed limiters will void the insurance. This policy is not suitable for any form of electric motorbike or moped. Bicycles only, please!
