Electric Bike Insurance Made for Everyday Riders

No, electric bike insurance is not legally required in the UK if your bike meets the rules for an electrically assisted pedal cycle (EAPC). However, specialist insurance can protect you financially if your e-bike is stolen, accidentally damaged or involved in an incident that leads to a third-party claim.
Yellow Jersey offers electric bike insurance covering theft, accidental damage, third-party liability and legal expenses, subject to your chosen policy.

Yellow Jersey electric bike insurance covers theft, accidental damage and vandalism, with up to £2 million in third-party liability cover and £100,000 in legal expenses protection.
We offer three levels of cover: Essentials for everyday cycling, Performance for additional benefits including European cover, and Ultimate for worldwide protection and eligible UK delivery use. Cover limits and exclusions vary by policy.

The cost of electric bike insurance depends on factors including the value of your e-bike, where you live, how you use it and the level of cover you choose.
Yellow Jersey offers an additional 30% e-bike discount, reflecting our experience of fewer accidental damage claims, alongside multi-bike discounts of up to 60% where applicable.
You can get an instant online quote to see the premium for your bike.

Specialist electric bike insurance may provide protection that isn’t included as standard under home contents insurance, particularly for accidental damage while riding, theft away from home and cycling-related third-party liability.
Yellow Jersey’s policies are designed specifically for cyclists, with benefits including zero depreciation, legal expenses protection and cover for riding abroad under selected policies.
Check your existing home insurance before purchasing additional cover to understand any overlap.

Yellow Jersey insures eligible electric bikes that meet UK electrically assisted pedal cycle (EAPC) requirements, including electric bicycles, cargo bikes and electric tricycles, with individual bike values up to £15,000.
An eligible EAPC must have pedals capable of propelling it, a motor with a maximum continuous rated power of 250W and electrical assistance that cuts off at 15.5mph.

Yes. An electric bike with a 500Wh or 750Wh battery can still meet UK EAPC requirements and be eligible for Yellow Jersey insurance.
Battery capacity is measured in watt-hours (Wh), while motor power is measured in watts (W). The UK’s 250W limit applies to the motor’s maximum continuous rated power, not the battery’s energy capacity.
A larger battery does not automatically make an electric bike illegal or uninsurable.

Watts (W) measure power, while watt-hours (Wh) measure energy capacity.

For example, an e-bike might have a 250W motor and a 625Wh battery. The motor rating describes its continuous power output, while the battery rating indicates how much energy it can store.

UK EAPC rules limit maximum continuous rated motor power to 250W, but do not impose an equivalent 250Wh limit on battery capacity.

Yellow Jersey’s standard electric bike insurance is designed for bikes that meet UK EAPC requirements, including a maximum continuous rated motor power of 250W.
An electric bike with a continuous rated motor power of 500W or 750W does not meet those requirements and may be classified as a motor vehicle.
It’s important to distinguish continuous rated motor power from peak power and battery capacity when checking your bike’s specifications.

Yellow Jersey electric bike insurance includes protection for your e-bike’s battery against insured theft and damage, subject to policy conditions.
Electric bike batteries can be expensive to replace, making this an important consideration when choosing insurance. Check the policy wording for any restrictions relating to removable batteries, security requirements and the circumstances in which battery damage is covered.

Yes. Yellow Jersey electric bike insurance includes theft protection both at home and away, provided the policy’s security and locking requirements are met.
Whether you’re commuting, visiting a café or leaving your e-bike at work, it’s important to secure it in accordance with the policy conditions.

Yes. All three Yellow Jersey electric bike insurance levels include accidental damage cover for eligible incidents.
This can help with the cost of repairing or replacing your e-bike following an insured accident. Essentials covers everyday riding, while Performance and Ultimate provide additional benefits for different types of cycling and travel.
Racing is excluded under Essentials and Performance.

Yellow Jersey can insure eligible electric cargo bikes and tricycles, provided they meet the relevant UK EAPC requirements and policy eligibility criteria.
These bikes are increasingly used for commuting, family transport and everyday journeys. Yellow Jersey insures eligible electric bikes valued up to £15,000 each.

Yes. All three Yellow Jersey electric bike insurance levels include up to £2 million in third-party liability cover for eligible claims arising from riding an insured e-bike.
This can help protect you financially if you’re held legally responsible for injuring another person or damaging their property while cycling.
Third-party liability is excluded while using an e-bike for courier or delivery work.

Yes. Every Yellow Jersey electric bike insurance policy includes up to £100,000 in legal expenses protection.
This can help with eligible legal costs when pursuing compensation following a cycling accident that wasn’t your fault. Yellow Jersey also has a relationship with specialist legal firm Fletchers Solicitors.
Legal expenses cover is subject to the policy’s terms, conditions and claims eligibility requirements.

Yes. Yellow Jersey offers overseas electric bike insurance under its Performance and Ultimate policies.
Performance provides European cover for up to 30 days, while Ultimate provides worldwide cover for up to 120 days, subject to the policy’s territorial limits and conditions.
If you’re travelling abroad with your e-bike, you may also need separate cycle travel insurance for medical expenses, cancellation and other travel-related risks.

Yes, Yellow Jersey’s Ultimate policy includes cover for eligible UK courier and delivery use.
However, third-party liability is excluded while using the bike for deliveries. Essentials and Performance should not be presented as covering courier use.
Check the policy wording carefully to understand which activities, losses and liabilities are insured.

Yes. Yellow Jersey allows you to insure multiple eligible electric bikes under one policy, including bikes belonging to members of your household.
Multi-bike discounts of up to 60% are available, and eligible electric bikes also benefit from an additional 30% e-bike discount.
The applicable premium and discounts are calculated during the online quote process.

No. Yellow Jersey does not insure electric bikes fitted with a throttle. Our electric bike insurance is designed for pedal-assisted electric bikes that meet UK electrically assisted pedal cycle (EAPC) requirements.
To qualify, your e-bike must have a motor with a maximum continuous rated power of 250W, with electrical assistance cutting off at 15.5mph (25km/h).
Although some throttle-assisted electric bikes may be legal to ride in the UK, Yellow Jersey does not provide insurance for them.