EBike Insurance | Electric Bike Insurance

Specialist electric bike insurance through Cycleplan

Electric bikes (also referred to as e-bikes) are a great way to get out and about whether you’re commuting to work or riding through the countryside.

Electric bike insurance is designed to protect your bike and its accessories against theft and damage while providing Public Liability, Personal Accident, and Loss of Earnings cover should an accident occur while you’re out on your bike.

Why consider electric bike insurance?

While you may already take safety precautions such as wearing a helmet, bike lights, and high-vis clothing, riding an e-bike is not without its risks.

Electric bicycles in the UK allow speeds of up to 15.5mph, so alongside the safeguards you put in place, you may want to consider getting electric bicycle insurance to protect you and your bike should the worst happen.

For example, if you were in an accident involving a third party, electric bike insurance may be able to cover some or all of the costs for:

the damage to your bike

your loss of earnings should you be unable to work due to injury

the legal fees should the third party make a claim against you

Why choose Cycleplan for Electric Bike Insurance?

New for Old replacement

If your bike is stolen, and it was bought new and is less than 3 years old, we’ll replace it with a brand new bike.

The Ripe Guarantee

Should you take out a policy and within 14 days find the same cover elsewhere for less, we’ll refund the difference.

Public Liability cover for accidents

If you’re deemed liable for accidentally injuring someone or damaging property whilst cycling, we’ll cover the costs of any claims made against you.

What does e-bike insurance cover?

What’s covered

Theft and damage of your e-bike and accessories up to £30k
Public liability up to £5m
Personal accident – Covers emergency dental, hospitalisation, physiotherapy, and more up to £50k
Loss of earnings up to £750 per week
Replacement bike hire up to £1k
Competitive use
Non-refundable race fees – Covers the cost if you could not attend due to injury or a valid bike claim up to £250
Taxi fee reimbursement – Up to £50 towards the cost of getting home following an accident on your e-bike
Multi-bike policy

What’s not covered

Theft where the security requirements have not been met
Claims where evidence of ownership cannot be provided
The use of the bike for trade or business purposes (excluding commuting to or from work), hire, reward, courier use or carrying paying passengers
Any accident whilst the bicycle is being used for competitions, unless this option has been selected and the additional premium paid for
Public liability is not available to anyone under the age of 16

For more information visit our Important Documents Page.

What types of e-bikes are covered?

Specialist e-bike insurance through Cycleplan offers cover for e-bikes that do not exceed the maximum legal speed limit for e-bikes within the UK (15.5mph). These include:

Hybrid/commuter e-bikes
Mountain e-bikes
Road e-bikes

E-bike insurance FAQs

It is not a legal requirement in the UK to have insurance for an e-bike. However, you may want to consider getting specialist e-bike insurance to protect you and your bike should anything happen.

An e-bike and accessories can be a big investment, so if someone were to steal your bike from your home, it may help to know that you could get some or all of the costs covered for a replacement.

To get an e-bike insurance quote from Cycleplan, you’ll need to provide the following information:

The value, make, and model of your bike
The type and level of cover you want
Your postcode

The cost of e-bike insurance will vary from person to person depending on the value of your bike and the type of cover you choose. The quickest way to find out how much your e-bike insurance could cost is to get a quick online quote today.

Your home insurance may cover your e-bike for theft from the home, but it may not provide the same level of cover as a specialist e-bike insurance policy.

If you want the reassurance of comprehensive coverage that includes protection against theft, damage, and third-party claims when riding away from home, you might want to consider specialist e-bike insurance.

You have the option to add European or Worldwide cover when selecting the level of cover you want for your e-bike insurance policy through Cycleplan. This will extend your cover to include these territories for a maximum of 45 days per trip.

Only the person named on the policy, or parents, spouse, partner, son, daughter or siblings that permanently live with you would be covered.

Yes, providing the output does not exceed 250w/15.5mph.

Electric Bike Insurance