Specialist electric bike insurance through Cycleplan
Cycleplan’s internal claims data shows that the average value of a stolen bike claim rose sharply from £1,073.19 in 2024 to £1,938.77 in 2025 — an increase of around 80%. 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 bike insurance through Cycleplan is designed to protect your bike and its accessories against theft and damage up to £30k, while providing Public Liability up to £5m, Personal Accident up to £50k, and Loss of Earnings cover up to £750 per week should an accident occur while you’re out on your bike.
Why choose Cycleplan for e-bike insurance?
Recognised as a leading cycle insurance specialist and rated ‘excellent’ on Trustpilot and Smart Money People, Cycleplan helps you ride your e-bike in confidence. When selecting European & Worldwide cover, you could also get cover for theft of your bike or cycling accessories abroad, for up to 45 days per trip.
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Award-winning cover
Cycleplan is recognised as a leading cycle insurance specialist, most recently highly commended in 2024 at the Insurance Choice Awards for ‘Best Cycle Insurance Provider.’
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Discounted multi-bike policies
When you add all your bikes to one Cycleplan policy, there is a 10% premium discount available (excluding the bike with the highest value).
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Loss of earnings cover
Cycleplan can arrange loss of earning cover of up to £750 per week, so if you’re in a cycling accident and cannot work, you may be eligible to receive weekly payments to help offset lost income.
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Trusted by leading UK brands
As a trusted cycle insurance specialist, Cycleplan has worked alongside top retailers Halfords and Tredz since 2021 to offer customers added protection when purchasing a new bike.
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
- Loss of earnings up to £750 per week
- 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 optional
- European & Worldwide cover – up to 45 days per one trip
- Legal expenses
- Personal accident – up to £50k
- Competitive use
- Replacement bike hire up to £1k
- 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.
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
Meet our e-bike insurance expert
"Whether you’ve bought it yourself or received it as a gift, an e-bike is often a prized possession. With theft accounting for around 50% of claims last year, taking the right precautions is essential. Using an approved, high-quality lock and maintaining strong security habits, even when your e-bike is stored at home, can make a significant difference.
"When out and about, always secure your e-bike to a solid, immovable object. For further guidance on effective protective measures, refer to our policy documents and website, where you’ll find practical advice to help reduce the risk of theft."
Sean Carney, Chief Underwriting Officer
Why consider electric bike insurance?
If your bike is stolen or damaged, the cost of replacement can be high. E-bike theft claims rose 80% in one year in 2025 — making insurance increasingly relevant.
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 Cycleplan bike insurance policy, you can build a policy that’s right for you and your bike.
Travel insurance, for your e-bike
Are you a keen cyclist on holiday, or planning a trip and taking your e-bike with you? Whilst Cycleplan doesn’t offer standard travel insurance policies, when selecting European & Worldwide cover, you could get cover for theft of your bike or cycling accessories abroad, replacement bike hire and all other options selected in your standard cycling policy, excluding public liability for e-bikes.
Cover can include up to 45 days per one trip.
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.
Refer your friends and you’ll both be rewarded
If you choose to refer your friends to us, not only will we reward you with a voucher of your choice but your friends will receive an exclusive discount too!
E-bike vs home insurance
While some home insurance policies may cover an e-bike under your contents insurance or as an optional add‑on, this cover is often limited. Home insurance typically won’t protect you against the wider riding risks that a specialist electric bike policy is designed to cover.
For example, dedicated e-bike insurance through Cycleplan can offer benefits such as loss of earnings cover if you’re injured in a cycling accident — something standard home insurance is unlikely to provide, which often only covers theft from the home.
E-bike insurance through Cycleplan is designed for cyclists and can add a layer of financial protection to help cyclists ride in confidence.
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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.
Read more about cycling insurance vs home 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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Yes. If you ride your ebike to and from work, your policy can cover commuting as standard, including financial protection against theft, damage, and accidental loss along the way.
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You may be covered if your eBike is stolen from a public place or workplace, provided it was secured with an approved lock, and all policy security requirements are met.
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Yes. Accidental damage is covered whether you’re riding on roads, cycle lanes, or shared paths.
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Yes. Electric bike theft can happen at any time, regardless of how often you ride. Insurance helps protect you against theft, damage, and unexpected repair costs.
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Yes, cycling insurance can cover you when riding your electric bike on trails or country paths as long as you're riding legally and within the policy terms.
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Yes. Theft is covered in public places, workplaces, and secure communal areas, provided it’s locked correctly and the security requirements are met, up to a maximum of 12 hours.
E-bike tips & news
