Electric Bike Insurance, Built for eBikes

Yes. Your electric bike’s motor and battery are included as part of the insured bike, provided they are original manufacturer components or approved replacements. This applies whether damage occurs through an accident or as part of a valid theft claim.

Yes. Electric bikes have higher values, additional components, and different repair considerations compared to non-electric bicycles. Our electric bike insurance is built specifically around eBikes — including motors, batteries and electronic systems — rather than treating them as standard bikes with add-ons.

We cover UK-legal electric bikes that meet EAPC (Electrically Assisted Pedal Cycle) regulations, including:

• Pedal-assist only systems
• Motors with a maximum continuous rated power of 250W
• Assistance cutting off at 15.5mph (25km/h)

If your eBike falls outside these limits, it may not be eligible for cover.Toggle Content

No. Electric bikes that have been modified to exceed UK legal limits — including derestricted motors or throttle-only systems — are not covered. This includes modifications to speed limiters, motor output or control units.

Yes. Many electric bikes have significantly higher replacement costs than standard bikes. We offer cover for high-value eBikes, provided the bike value is accurately declared and suitable security requirements are met.

Yes. Electric bike insurance includes theft cover when your bike is secured in line with the policy requirements. This applies whether your eBike is stolen from your home, a garage, or a public place, depending on your cover route.

Electric bikes often require higher-rated locks due to their value. Your policy will specify minimum lock standards based on the value of your bike. Using the correct lock is essential to ensure theft claims are valid.

Yes. Accidental damage cover protects your electric bike against unexpected damage while riding, transporting, or storing it. This includes damage affecting electrical components, frames or mechanical parts.

Yes. Riding your electric bike for commuting, leisure or everyday transport is covered, provided your eBike meets UK legal requirements and is used in line with the policy terms.

Yes. Third-party liability cover is included, protecting you if you accidentally cause injury to someone else or damage their property while riding your electric bike.

Accessories that are permanently attached to your electric bike — such as integrated lights or displays — are typically included as part of the insured bike. Removable accessories may require additional cover depending on your policy setup.

Removable batteries are covered when attached to the bike or stored securely in line with policy terms.

If your electric bike cannot be economically repaired following a valid claim, we will settle based on the policy terms — taking into account the insured value and type of cover selected.

Yes. You can insure multiple electric bikes under one policy. This is particularly useful for households with more than one rider or a mix of standard and electric bikes.

Yes. Electric bikes can be insured either:

• As a standalone electric bike policy, or
• As part of a home and contents route with specialist cycle terms included

Both options are designed specifically for cyclists.

Electric bikes can be covered while travelling abroad when you take out specialist cycle travel insurance. This provides protection when riding overseas, subject to local regulations and policy terms.

Claims are handled by specialist cycle claims teams who understand electric bikes and their components. We focus on appropriate repairs or replacements rather than default write-offs, wherever possible.