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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.
What types of electric 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
Why choose Cycleplan for e-bike insurance?
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Your ride, your insurance
No off the rack policies here. Choose your cover so you only pay for what you need – whether commuting, exploring, or just rolling.
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Got a few bikes? No problem.
You can protect all your bikes on one policy. There’s a 10% premium discount available on all bikes too (excluding the bike with the highest value).
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Trusted by many, provided by specialists
Rated Excellent on Trustpilot and with insurance provided by Aviva, you can trust us to help keep you protected.
What does e-bike insurance cover?
Electric Bike insurance
- Theft and damage of your e-bike and accessories up to £30k
- Public liability up to £5m
- Personal accident – 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
- Claims where Evidence of Ownership cannot be provided
- Theft where the security requirements haven’t been met
- Public Liability under the age of 16
- 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
For more information and the full list of what’s covered and not, visit our important documents page.
Remember, the policies we arrange are provided on the basis that bikes left unattended are secured to an immovable object using either the appropriate Sold Secure rated lock or Thatcham-approved lock. You can learn more about the security requirements here.
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
Electric mountain bike insurance
Many people are turning to electric mountain bikes to enjoy all the benefits of traditional mountain bikes with the added benefit of battery power, to elevate their ride. Electric mountain bikes can be expensive, and the extra power can bring its own extra risks. With a bespoke bike insurance policy, you can build a policy that’s right for you and your bike.
Important documents
If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.
More detailed cover information can also be found on our Important Documents page.
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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.
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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
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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.
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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.
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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.
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Only the person named on the policy, or parents, spouse, partner, son, daughter or siblings that permanently live with you would be covered.
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Yes, providing the output does not exceed 250w/15.5mph.
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E-bike tips & advice
