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.
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 Cover | Podium | |
| Buildings Blanket Limit | £750,000 | £1,000,000 |
| Storm or flood | Covered | Covered |
| Water or oil escaping from fixed water or heating systems | Covered | Covered |
| Trace and Access | £2,500 | £5,000 |
| Theft or attempted theft | Covered | Covered |
| Fire, explosion, lightning, earthquake and smoke | Covered | Covered |
| Being hit by vehicles, aircraft, flying objects and animals | Covered | Covered |
| Subsidence or heave of the site on which your home stands, or landslip | Covered | Covered |
| Vandalism or malicious acts | Covered | Covered |
| Falling trees or branches | Covered | Covered |
| Falling TV aerials, radio aerials, satellite dishes and their fittings | Covered | Covered |
| Frost damage to water pipes and tanks | Covered | Covered |
| Riot, civil unrest, labour disputes or political disturbance | Covered | Covered |
| Weight of snow | Covered | Covered |
| Additional Cover | ||
| Service pipes and cables | Covered | Covered |
| Loss of keys | Covered | Covered |
| Emergency entry to buildings and gardens | Not Covered | Covered |
| Alternative accommodation, kennel fees and storage | £25,000 | £50,000 |
| Clearance costs | Covered | Covered |
| Professional fees | Covered | Covered |
| Government or local authority regulations and requirements | Covered | Covered |
| The time between exchange and completion when selling your home | Not Covered | Covered |
| Sets and suites | Not Covered | Covered |
| Accidental Damage | Optional | Covered |
| Property owner’s liability | £2,000,000 | £2,000,000 |
| Pedal Cover | Podium | |
| 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 flood | Covered | Covered |
| Water or oil escaping from fixed water or heating systems | Covered | Covered |
| Theft or attempted theft from your home | Covered | Covered |
| Theft from outbuildings/garages | £5,000 | £10,000 |
| Fire, explosion, lightning, earthquake and smoke | Covered | Covered |
| Being hit by vehicles, aircraft, flying objects and animals | Covered | Covered |
| Subsidence or heave of the site on which your home stands, or landslip | Covered | Covered |
| Vandalism or malicious acts | Covered | Covered |
| Falling trees or branches | Covered | Covered |
| Falling TV aerials, radio aerials, satellite dishes and their fittings | Covered | Covered |
| Riot, civil unrest, labour disputes or political disturbance | Covered | Covered |
| Additional Covers | ||
| Frozen and chilled foods | Unlimited | Unlimited |
| Loss of keys | Covered | Covered |
| Moving home | Covered | Covered |
| Oil and metered water | Covered | Covered |
| 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 home | Not Covered | £10,000 |
| Contents at university, college or boarding school | Not Covered | £10,000 |
| Downloaded content | Not Covered | £3,000 |
| Garden plants | Not Covered | £2,500 per claim, £500 per plant |
| Birth of a child, religious festivals & weddings / civil partnership | Not Covered | Increase by 10% |
| Title deeds | Not Covered | Covered |
| Business equipment | Not Covered | £10,000 |
| Money in the home | £500 | £750 |
| Guests belongings | Not Covered | £1,000 |
| Sets and suites | Not Covered | Covered |
| Credit Cards | £1,000 | £2,500 |
| Accidental Damage | Optional | Covered |
| 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 Cover | Podium | |
| E-bikes | ||
| Theft at and away from the home | Included | Included |
| Accidental damage | Included | Included |
| Bike maximum limit | £25,000 | £50,000 |
| Bike single bike limit | £10,000 | £15,000 |
| Depreciation from price paid | None | None |
| Overseas travel | Europe 30 days per trip | Worldwide 60 days per trip |
| Cycling disciplines | Excluding: Criteriums, Road Racing, Downhill Mountain Biking | All |
| 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 Withdrawal | 1 event up to £250 | 1 event up to £500 |
| Personal Accident | ||
| Loss of Limb | £5,000 | £10,000 |
| Loss of Sight | £5,000 | £10,000 |
| Death | £10,000 | £15,000 |
| Physiotherapy | up to £350 | up to £500 |
| Dental Cover | up to £350 | up 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 Cover | Podium | |
| Accidental loss and damage unspecified | £2,500 | £5,000 |
| Accidental loss and damage Specified | As per schedule | As 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 box | Covered | Covered |
| Theft or accidental loss of money away from the home | £500 | £1,000 |
| Cover for items abroad | Europe 60 days a year | Worldwide 60 days a year |
| Sets and suites | Not Covered | Covered |
| Repair Guarantee | 12 months | 12 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 Cover | Podium | |
| Family Legal Protection | £50,000 | £50,000 |
| Employment Disputes | Covered | Covered |
| Contract Disputes (including sale of property) | Covered | Covered |
| Property Protection | Covered | Covered |
| Tax protection | Covered | Covered |
| Personal Injury | Covered | Covered |
| Legal Defence | Covered | Covered |
| Jury service and court attendance | Covered | Covered |
| Clinical Negligence | Covered | Covered |
| Identity Theft Legal Expenses | Covered | Covered |
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.
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.
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.
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:
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:
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.
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.
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.
Mon to Fri from 9 am to 5 pm
The Old Mill, Ewenny, CF35 5BN
0800 121 4424
