0800 121 4424

Building cover, contents cover and electric bicycle insurance all in one bundle

When it comes to electric bike insurance, many home insurers simply won’t provide cover and those that do, often have strict conditions and limitations, not to mention high premiums.

Electric bike ownership is booming, and owners are becoming more varied. Whether it’s those who use it for their daily commute, those wanting to ride mountain trails with a helping hand, or people with limited mobility re-discovering the freedom to travel unaided, electric bikes are becoming a common sight across the UK.

Our home insurance combined with electric bike insurance covers e-bikes as standard, along with your buildings and contents, often for less than a stand-alone e-bike insurance policy.

Electric bike insurance reveiws

pedal cover perks

Our customers get instant access to over 100 discounts from some of the best cycling, triathlon, outdoor, and lifestyle brands in the UK.
If you’re looking to upgrade a power meter, buy some new outdoor clothing or equipment, or even looking to buy a new bike, we could save you hundreds.

Home insurance built for e-biking

We've got all the bells and whistles covering your home for building and contents plus additional e-bike benefits Click each of the covers below to reveal more info......

Most e-bike batteries come with built-in locks, assuming it’s locked, our electric bike insurance will cover your battery if it’s stolen from your bike. We’ll also cover batteries damaged in an accident.

All cyclists should consider third-party liability cover to protect them in the event they damage someone else’s property or injure another road user. Our combined home insurance and e-bike insurance automatically provides up to £2 million in public liability cover for e-biking.

We also include £50,000 in legal expenses to look after you should need to claim against a third party if you have suffered a personal injury. 

If you have a mechanical you can’t fix by the side of the road, don’t even think about pushing your e-bike back to the train station! We’ll cover the cost of a taxi for you and your e-bike up to £200.

When you start to add everything up – from your helmet to your sunglasses and other specialist kit, accessories can cost as much as your e-bike! That’s why our electric bicycle insurance protects not just your e-bike but everything else you need to enjoy your freedom.

We have security requirements you need to follow, but if your electric bicycle is stolen from your home, car, or while on holiday, it’s covered by us.

You can insure as many e-bikes as you like under the same policy. You’ll get up to £25,000 total value or £10,000 single bike limit increasing to £50,000 total value and £15,000 single bike limit if you choose Podium cover. We’ll ask you to list your e-bikes (and any other bikes) but all your family members will be insured to ride them.

If you are in a crash while riding your electric bicycle, we will cover repair or replacement. This might be as simple as going in to your local bike shop to replace a pair of shifters, or replacing a whole bike. In any case, our in-house electric bicycle insurance experts will help you through the process.

All of our packages cover you for Physio, Dental, Death and Permanent injury.


Our bundled home and electric bicycle insurance policies have two levels of cover, our core product and Podium which gives you extra. 

Our policies have several sections of cover which you can compare below.

 Pedal CoverPodium
Buildings Blanket Limit£750,000£1,000,000
Storm or floodCoveredCovered
Water or oil escaping from fixed water or heating systemsCoveredCovered
Trace and Access£2,500£5,000
Theft or attempted theftCoveredCovered
Fire, explosion, lightning, earthquake and smokeCoveredCovered
Being hit by vehicles, aircraft, flying objects and animalsCoveredCovered
Subsidence or heave of the site on which your home stands, or landslipCoveredCovered
Vandalism or malicious actsCoveredCovered
Falling trees or branchesCoveredCovered
Falling TV aerials, radio aerials, satellite dishes and their fittingsCoveredCovered
Frost damage to water pipes and tanksCoveredCovered
Riot, civil unrest, labour disputes or political disturbanceCoveredCovered
Weight of snowCoveredCovered
Additional Cover  
Service pipes and cablesCoveredCovered
Loss of keysCoveredCovered
Emergency entry to buildings and gardensNot CoveredCovered
Alternative accommodation, kennel fees and storage£25,000£50,000
Clearance costsCoveredCovered
Professional feesCoveredCovered
Government or local authority regulations and requirementsCoveredCovered
The time between exchange and completion when selling your homeNot CoveredCovered
Sets and suitesNot CoveredCovered
Accidental DamageOptionalCovered
Property owner’s liability£2,000,000£2,000,000
 Pedal CoverPodium
Contents Blanket Limit£75,000£100,000
Maximum valuables limit£22,500£30,000
Valuables single item limit unspecified£2,500£5,000
Valuables single item limit specified£10,000£15,000
Storm or floodCoveredCovered
Water or oil escaping from fixed water or heating systemsCoveredCovered
Theft or attempted theft from your homeCoveredCovered
Theft from outbuildings/garages£5,000£10,000
Fire, explosion, lightning, earthquake and smokeCoveredCovered
Being hit by vehicles, aircraft, flying objects and animalsCoveredCovered
Subsidence or heave of the site on which your home stands, or landslipCoveredCovered
Vandalism or malicious actsCoveredCovered
Falling trees or branchesCoveredCovered
Falling TV aerials, radio aerials, satellite dishes and their fittingsCoveredCovered
Riot, civil unrest, labour disputes or political disturbanceCoveredCovered
Additional Covers  
Frozen and chilled foodsUnlimitedUnlimited
Loss of keysCoveredCovered
Moving homeCoveredCovered
Oil and metered waterCoveredCovered
Alternative accommodation, kennel fees and storage£15,000£30,000
Contents outside within boundaries of your home£1,000£2,500
Contents temporarily away from the homeNot Covered£10,000
Contents at university, college or boarding schoolNot Covered£10,000
Downloaded contentNot Covered£3,000
Garden plantsNot Covered£2,500 per claim, £500 per plant
Birth of a child, religious festivals & weddings / civil partnershipNot CoveredIncrease by 10%
Title deedsNot CoveredCovered
Business equipmentNot Covered£10,000
Money in the home£500£750
Guests belongingsNot Covered£1,000
Sets and suitesNot CoveredCovered
Credit Cards£1,000£2,500
Accidental DamageOptionalCovered
Personal liability£2,000,000£2,000,000
Employer’s liability£5,000,000£10,000,000
Tenant’s liability£10,000£15,000

We cover e-bikes (and other bikes) listed in your schedule. Below are the maximum limits allowable on each tier.

 Pedal CoverPodium
Theft at and away from the homeIncludedIncluded
Accidental damageIncludedIncluded
Bike maximum limit£25,000£50,000
Bike single bike limit£10,000£15,000
Depreciation from price paidNoneNone
Overseas travelEurope 30 days per tripWorldwide 60 days per trip
Cycling disciplinesExcluding: Criteriums, Road Racing, Downhill Mountain BikingAll
Public Liability£2,000,000£2,000,000
Taxi Reimbursement£100£200
Bike Hire£25 per day, up to 10 days£35 per day, up to 10 days
Event Fee Withdrawal1 event up to £2501 event up to £500
Personal Accident  
 Loss of Limb£5,000£10,000
 Loss of Sight £5,000£10,000
 Physiotherapyup to £350up to £500
Dental Coverup to £350up to £500

We cover possessions at and away from the home up to the unspecified limit. If you have items above the unspecified limit (depending on the tier) you must tell us about them and they need to be listed on your schedule to be covered.

 Pedal CoverPodium
Accidental loss and damage unspecified£2,500£5,000
Accidental loss and damage SpecifiedAs per scheduleAs per schedule
Maximum single item limit specified£10,000£15,000
Theft from unattended locked vehicles£500£1,000
Items in a bank or safe deposit boxCoveredCovered
Theft or accidental loss of money away from the home£500£1,000
Cover for items abroad Europe 60 days a yearWorldwide 60 days a year
Sets and suitesNot CoveredCovered
Repair Guarantee12 months12 months

This cover provides all our customers a 24/7 advice line and legal costs up to £50,000 to pursue claims for things like personal injury or disputes with neighbours. 

 Pedal CoverPodium
Family Legal Protection£50,000£50,000
Employment DisputesCoveredCovered
Contract Disputes (including sale of property)CoveredCovered
Property ProtectionCoveredCovered
Tax protectionCoveredCovered
Personal InjuryCoveredCovered
Legal DefenceCoveredCovered
Jury service and court attendanceCoveredCovered
Clinical NegligenceCoveredCovered
Identity Theft Legal ExpensesCoveredCovered


electric bicycle insurance. E-bike insurance on home insurance

Providing Home and Electric Bike Insurance across the UK

Combining home and e-bike insurance under one policy cuts the hassle and expense of dealing with separate providers, and it can be much more cost-effective. We can provide all the cover of a specialist electric bicycle insurance policy as part of your home and contents insurance. 

Multi-bike as standard

Our home insurance allows you to add e-bikes with a total value of £25,000 and individual bikes valued to to £10,000. On Podium, you can add bikes with a total value of £50,000 with a £15,000 single bike limit.

What’s more, all of your family living in your household will get the same level of cover as the policy holder.

Electric bike insurance

home + E-Bike Insurance FAQs

No… It’s a lot more than just e-bike theft insurance.

While many home insurance policies cover your bikes for theft from the home, they are unable to cover higher-end bikes or large fleets. Home insurers do not have the extensive network to provide a like for like replacement, or give you that specialist service during a claim.

When you take out a home insurance policy with Pedal Cover, we automatically include essential cover such as crash damage, theft away from home, third party liability, and cover during events, racing or on holiday. We also cover your bike if it is lost or damaged by an airline.

We provide all of the extra covers you would usually have to pay high premiums for with a specialist bicycle insurer, and we can provide all of this at the same time as your home and contents insurance. 

On our policy, we ask that you let us know about all the bikes you need to cover but we have a high threshold compared to most home insurers.

Our home insurance allows you to add e-bikes with a total value of £25,000 and individual bikes valued up to £10,000. On Podium, you can add up to £50,000 of bikes with a £15,000 single bike limit.

Most home insurance policies impose much tighter limits on the total bike value and individual bike value, meaning you might struggle to get sufficient cover. 

Yes, absolutely. All of the bikes in your household are covered by our policy, and and the cover extends to every member of your family who uses them. This means if your children are riding expensive bikes or if you are taking several bicycles abroad for a family holiday, you can be comfortable in the knowledge they are covered with no additional premiums to pay.

We have split responsibility between our team, and our underwriters at NIG.

NIG are the experts when it comes to home insurance claims, and are able to provide an enormous resource to settle home insurance claims incredibly efficiently.

We are the electric bicycle insurance experts and deal with any e-bike insurance claims personally. 

Electric bikes have become a popular alternative to “normal” 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 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.

While regular bikes and electric bikes inevitably get you from A to B, electrically assisted pedal cycles (EAPC’s) have certain regulations you must follow.

In all regions of the UK, including England, Northern Ireland, Scotland and Wales, residents must meet certain criteria:

  • 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 unnecessary for these countries, and the bike does not need to be taxed or insured under government regulations.


In Northern Ireland, they did have slightly different regulations:

  • You had to have a moped license.
  • You did need to register a bike, and it had to be taxed and insured.
  • You had to wear a helmet.

From the 13th of May 2020, the requirement for Northern Ireland residents to have insurance, hold a driving licence and register an e-bike no longer applies, and they follow similar rules to the rest of the UK. See the government website HERE for more information.

Whilst eBike insurance isn’t compulsory in the UK. It still makes sense to have the policy to provide you and your bike with public liability cover and protection against theft and damage.


We want 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 if you 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, you must 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 the cost of any required repairs.



Contact us

Mon to Fri from 9 am to 5 pm
The Old Mill, Ewenny, CF35 5BN
0800 121 4424