Electric Bikes

Do electric bikes need insurance?

Electric bikes have become a popular alternative to “normal” pedal bikes for a wide range of people, from commuters and mountain bikers through to those people who enjoy the extra assistance an electric motor can provide.  Unlike a regular pedal bike, electric bikes have some specific regulations that govern their use and if you’re an electric bike owner it’s important to understand what is and isn’t required.

Electric Bike Government Regulations

Man riding an electric bike in city
While both pedal bikes and electric bikes inevitably get you from A to B, electrically assisted pedal cycles (EAPC’s) have certain regulations that must be followed.
In England, Scotland and Wales certain criteria must be met:

  • You must be 14 and over
  • An EAPC must show the power output or the manufacturer of the motor
  • An EAPC must not have exceeded a power output of 250W
  • Must show the maximum speed of the bike

If an electric bike meets these requirements cyclists may travel on cycle paths and other permitted cycle areas in England, Scotland and Wales. A license is not necessary in these countries and the bike does not need to be taxed or insured under government regulations.

Northern Ireland have slightly different regulations:

  • You must have a moped license
  • The bike must be registered, taxed and insured.

The Importance of Electric Bike Insurance

Whilst eBike insurance isn’t compulsory in England, Wales or Scotland,  it still makes sense to have a policy to provide you and your bike with public liability cover as well as protection against theft and damage.


We would like to think we can trust most people however as electric bikes become more popular (and valuable), there is a risk that your electric bike could be stolen. To be on the safe side it is always best to err on the side of caution and invest in electric bike insurance to ensure you are covered in case you do fall victim to crime.

Accidents and Damage

Unfortunately, accidents can occur and both you and your electric bike can suffer. It could be on the way to work, while out for a ride at the weekend or on that annual cycling holiday. Having an insurance policy that protects you against accidental damage gives you the peace of mind of knowing you’re covered.

Public Liability Insurance

If you’re involved in an accident with a third party it’s vital that you have some protection. If the accident is proven to be your fault, legal and medical costs can soon add up and having third-party liability insurance protects you from having to foot the bill. If the accident wasn’t your fault, then the liability insurance will cover the legal costs incurred in any claim for compensation and for the cost of any repairs that are required.

A group of e-bikes

e-Bike Insurance from Pedalcover

Riding electric bikes is a lot of fun and has opened up the world of cycling to a huge number of people. Whilst electric bike insurance isn’t compulsory in England, Wales or Scotland having a policy will ensure you and your electric bike stay protected.

Find out more about PedalCover’s comprehensive electric bike insurance and get covered today.