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Electric Bicycle Insurance

Electric bicycle insurance is available from many Insurance providers and when you compare bicycle insurance there's a lot to consider. Read our handy guide on what to look out for when looking for the best bicycle insurance

what insurance can i get for my e-bike

Electric bike insurance is not a legal requirement here in the UK. Can you afford to repair or replace your e-bike if something happened? 

There are multiple insurance covers that you might want to consider. Read on for top tips when you compare electric bicycle insurance. 

Bike theft is a very common problem in the U.K. If your bike is secured with the required lock you'll be covered for theft. You should consider cover for aggravated theft too as it's sadly on the rise.  

Most products offer damage cover so, you should be ok in that regard.

There are many more risks to consider when cycling, which sadly, some don't. You may be injured, or you could injure someone or damage their property. So, look for injury and third party liability cover too.  

As with all insurance products, check the terms and conditions of the cover. When you're getting a bicycle insurance quote, ensure you're purchasing the right cover.

What Extra Covers Can I Get With Electric Bicycle Insurance

Worldwide Travel
Breakdown
Competing

How Much Does It Cost To Insure An E-Bike?

Where You Live
How Old You Are
How Expensive Your E-Bike Is
If You Need Additional Covers
What Use You Need
Renewal Prices

Are There Any Cover Exclusions I Should Be Aware Of?

Proof of Ownership
No Bike Lock
Wear & Tear
Commercial use
Being Under The Influence
Insurance Claim Excess

What Our Expert Thinks

Our in house resident cycling enthusiast and Founder of Cycler, Alan Hickman, has spent a lot of time scouring the market for the best e-bike insurance cover and believes it's still a bit of a minefield!

"Cycling is my passion and has been for a number of years. Insurance is my professional background and after having spent a quarter of a century in the industry and being very vocal about the improvements that can and still need to be made, I decided to create a new brand that was clear, transparent, competitive and one that delivered on its promises for cycling enthusiasts looking for electric bicycle insurance in the U.K.

As with all insurance products, the devil is always in the detail. The great news is that cycling enthusiasts are very careful and considerate individuals and as e-bike insurance is not mandated or legally required, and is a free choice, enthusiasts tend to scrutinise the cover on offer much more so than others when comparing insurance.

However, some of the same practices exist in e-bicycle insurance as it does in other insurance classes such as offering really low premiums to attract you but with high policy excesses (look out for percentage excesses on claim value specifically!), not offering the cover that might be suitable or at least presenting those options to consider, hiding behind terms and conditions and catching you out when you're in your moment of need. Take time to read the terms, ask questions and ensure the product meets your needs. A really simple way to do this is to view the 'Insurance Product Information Document', known as the 'IPID' in the industry. When you're comparing electric bicycle insurance you will always be presented with this document. It's a standard format across the industry and therefore makes comparing cover and providers simpler"

Compare Our E-bike Insurance Cover

Theft & Damage Public Liability Personal Accident Travel Cover Legal Cover Breakdown Multi-bike Discount No Claims Discount Review Score
Cycler 4.9
AssetSure OE OE 4.8
Bikmo OE OE 4.6
Cycle Plan OE OE OE OE OE 4.4
Cycle Guard OE OE OE OE OE 4.4
Eversure OE OE OE OE 4.5
Laka OE OE 4.9
Pedal Sure OE OE OE 4.6
Velosure 4.7
Yellow Jersey OE OE 4.6
Included Excluded OEOptional extra

When did we collect this data for comparison?

Data sourced online on 4th April 2024. Refer to individual businesses referenced for features/benefits and current review rating.

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