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Electric Bike Insurance

Electric bikes and electric cargo bikes have become the obvious choice for many, as an alternative to busy public transport.

Many cyclists are looking for a specialist electric bicycle insurance policy to replace the cover on home insurance, which in many instances is falling short. We designed our electric bike insurance policy to accommodate the everyday needs of electric bicycle riders.

Our electric bike insurance policies are designed to provide E-bike riders with reliable, comprehensive insurance cover, cycling in the UK and abroad.

Third-party liability, legal expenses, theft, and accidental damage are all standard features on our policies. We won’t show you a low price now, and upsell essential features at the checkout.

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Why do I need specialist Electric Bike Insurance?

Most electric bikes are retailing for £1000 or more, meaning E-bike cover on a home insurance policy either isn’t available or comes with a lot of restrictions. As a specialist bicycle insurer, we can provide comprehensive electric bike insurance to cover theft, accidental damage and third party liability for E-bikes.

You can add electric bicycles belonging to both you and your family to our insurance policy, and make use of our generous 60% multi-bike discount. Our policies also have very high-value limits (£15,000 per bicycle), so we can accommodate every electric bicycle on the market.

In most cases, our “Essentials” tier is the best fit for electric bike insurance. The insurance is restricted to the UK under “Essentials”, and there is no cover for cycling events or racing, meaning you are not paying for cover you don’t need.

Bicycle

We offer three different tiers of cover if you are looking for electric bike insurance, but believe our Essentials package to be the best option for most. It covers third party liability, alongside theft and accidental damage in the UK while saving you money by excluding cover outside of the UK and cycling events.

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Travel

Heading off on holiday with your electric bicycle? We offer separate Cycle Travel Insurance to cover medical mishaps, so you can happily explore the local area without worrying what’ll happen should things go wrong.

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We offer three cycling packages -

Essentials

Our entry level package will protect your bike from the essentials, whether theft or damage in an accident.

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Performance

Designed for enthusiasts who ride regularly and might travel abroad for training or events.

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Ultimate

For cyclists who compete regularly in the UK and abroad in crits, triathlons or mountain bike races.

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The Key Features

TAXI REIMBURSEMENT

Electric bikes can be difficult to repair on your own. Electric motors make it challenging to remove wheels, and e-bike batteries can fail. If your E-bike has a mechanical problem while out and about and you can’t get home, we’ll cover the cost of a taxi up to £150.

PUBLIC LIABILITY FOR EBIKES

Third-party liability for electric bicycles is essential. All of our electric bike insurance policies included £2M in public liability cover with zero excess. Any third-party costs are covered, be it damage to someone’s property, or a collision with a pedestrian or fellow cyclist.

DNA+ FORENSIC MARKING

Every electric bicycle insurance policy comes with a free DNA+ marking kit worth £36, which consists of a transparent, coded fluid registered to you, and a set of warning stickers. The DNA+ kit will prove a bicycle is stolen, increasing the risk to a would-be thief considerably, and act as a strong deterrent. The DNA+ also

HOME & AWAY

Claims for electric bikes on home insurance are usually limited to your home. We cover theft and accidental damage while out and about, with higher tiers even covering your electric bikes abroad. You can lock your electric bike up at the shops without worrying about theft, and ride your ebike without worrying about accidental damage.

25% RENEWAL DISCOUNT

We rarely offer discounts to new customers, saving our best offers to reward existing policyholders. We offer everyone a renewal discount of 25% on their insurance, regardless whether they’ve made a claim with us or not. We don’t use “no claims bonuses” to discourage you from making a claim when you need to and have a simple, low excess on claims. Our excess on e-bike claims is 10%, capped at £100.

CYCLE EXPERTS

We understand how painful it can be when things go wrong with your bike because we’re cyclists too. All of our e-bike claims are handled in-house by a team of experts. Primarily recruited out of jobs in bicycle retail, our claims handlers stay up to date with the electric bike market and can deal directly with suppliers and local bike shops to repair or replace your electric bicycle as quickly as possible.

WORLDWIDE WELLBEING

While some of our customers just need cover in the UK, many electric bike riders with Yellow Jersey policies are looking to take their bikes to Europe for cycling holidays. Our Essentials tier will cover your e-bike in the UK only, our Performance tier will cover your bike in Europe for up to 30 days at a time, and our Ultimate tier will cover your bike worldwide for up to 120 days.

ZERO DEPRECIATION

We don’t ‘devalue’ your bikes after any period, meaning if you paid £1500 for your electric bicycle five years ago, that’s what we’ll cover it for today.

MEDICAL COVER

All of our bicycle insurance packages include cover you for physio, dental and permanent injury.

MULTI-BIKE

We can provide insurance for all of your bicycles (electric or not) on a single policy. We offer a 60% multi-bike discount on each additional bike, and you can add your whole family to the same insurance policy.