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Electric Bike Insurance

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

Electric bicycles have opened cycling up to a huge new audience, so there is little wonder why E-bikes are the fastest growing sector in the cycling industry. Unfortunately, with the high value of electric bikes comes an increased risk of theft and damage.

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

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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 are able to provide comprehensive electric bike insurance to cover theft, accidental damage and third party liability for E-bikes. Our Essentials policy will cover E-bikes up to £1,500, Performance up to £5,000 and Ultimate for E-bikes worth up to £15,000.

Bicycle

We offer three different cover tiers if you are looking for electric bike insurance, but believe our Performance package to be the best option for most. It covers electric bikes worth up to £3000 each, and even covers trips to Europe if you're planning an E-bike holiday.

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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

ROADSIDE RESCUE

Electric bikes can be difficult to repair on your own. 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 cab – up to £150.

3RD PARTY LIABILITY

Third party liability for electric bicycles is absolutely 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+

Making a thief’s job harder is the best way to put them off. Every policy comes with a free DNA+, E-bike security marking kit worth £36 to use on your electric bicycle.

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.

25% RENEWAL DISCOUNT

We offer everyone a renewal discount 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.

CYCLE EXPERTS

We understand how painful it can be when things go wrong with your bike because we’re cyclists too – it’s why we closely supervise our customer driven claims process. Your claims and queries will be processed quickly and efficiently.

WORLDWIDE WELLBEING

Our cover is valid wherever you choose to take your E-bike. We cover theft and even damage to the bike if you take a tumble abroad. Our Ultimate package includes worldwide cover for up to 120 days, while Performance covers your for up to 30 days in Europe.

NEW FOR OLD

We don’t ‘devalue’ your bikes after any period of time, meaning if you paid £1500 for your electric bicycle 5 years ago, that’s what we’ll cover it for today.

MEDICAL COVER

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

MULTI-BIKE

Get 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 policy. Insure up to £10,000 worth of bikes on Essentials cover, £30,000 on Performance cover, and £50,000 on Ultimate cover.

Our Essentials level Bicycle Insurance is only valid within the UK. Please note that due to regulation, we are currently unable to insure electric bikes in Northern Ireland