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eBike Insurance: compare cheap insurance quotes for electric bikes

The British government’s Cycle to Work scheme was launched in 1999 to encourage commuters to take up cycling as a greener, healthier alternative to driving to work, which in turn could help the government meet its environmental targets and reduce road traffic congestion.

Ebike insurance

However, in the past most electric bikes couldn’t be purchased under the Cycle to Work scheme because they cost more than the government’s upper limit of £1,000.

Fortunately that limitation was removed in June 2019, which means higher-end bicycles can now be purchased through the scheme – including ebikes.

Of course, the more valuable your bike is the more you stand to benefit from taking out a bicycle insurance policy, so if you’ve decided to invest in an ebike it would be a wise idea to also invest in electric bike insurance.

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Is electric bike insurance a legal requirement in the UK?

That depends on where you live.

If you’re a resident of England, Scotland or Wales then your electric bike is treated in much the same way as an ordinary push bike or road bike, which means you don’t have to insure it.

If you’re resident in Northern Ireland, though, the situation is rather different.

Northern Ireland’s highway regulations view ebikes as more closely resembling mopeds than pedal bikes, and as such you do have a legal obligation to insure your electric bike if you live in Northern Ireland.

You’ll also need to hold a moped licence if you plan to ride an ebike in Northern Ireland, and the vehicle will also have to be registered and taxed.

Does ebike insurance include breakdown cover?

Unlike insurance policies for mountain bikes, trials bikes and other bicycles that aren’t motorised, some electric bike insurance policies do include breakdown cover as standard.

And if the particular ebike insurer you decide to go with doesn’t include breakdown cover as a standard feature of their electric bike insurance policies you should be able to add it for a small fee.

Is ebike bike insurance worth the cost?

If you live in Northern Ireland and you own an ebike then you’ll have no choice but to take out electric bike insurance no matter how much it costs, but for ebike enthusiasts in other parts of the UK ebike insurance is entirely optional – so is it worth the cost?

The answer to that question will largely depend on the premium you’re being quoted for your electric bike insurance policy, and that premium will take a wide range of factors into account – your location, the crime rate in your area, the value of your ebike, how you secure the bike when you’re not riding.

With that in mind, the best plan is to compare bicycle insurance quotes and then decide if the ebike insurance policy you’re being offered is worth the price the insurers are quoting.

electric bike insurance
Will my ebike be covered by my home insurance or contents insurance policy?

It depends on which home insurance provider you’re currently with – some insurers will cover ebikes automatically up to a certain value, some will cover them provided you add them to your policy as a named item, and some may flat-out refuse to insure electric bikes.

It’s also worth mentioning that many home insurance policies impose a ‘single item limit’, and if this limit is significantly below the value of your electric bike you would have to cover the difference yourself if your ebike was stolen and you needed to replace it.

Finally, some home insurance providers will only insure electric bikes while they’re locked up at your home address, which means you wouldn’t be covered when you’re out and about.

How can I find cheaper ebike insurance?

There are a number of things you can do to increase your odds of finding cheap ebike insurance:

* Using a lock that has a Gold ‘Sold Secure’ rating: Given the fact that ebikes are usually reasonably valuable bicycles, most insurers will insist that you use a bicycle lock with the highest ‘Sold Secure’ rating.
* Keeping your electric bike in a locked garage when you’re not riding it: As with car insurance, ebike insurance is sometimes a little cheaper if you’re able to keep your bike in a locked garage when you’re not using it.
* Registering your ebike on bikeregister.com, the UK’s national bike register database: It’s free to register, and if you also buy one of the register’s security marking kits the cost of your electric bike insurance could fall a little.
* Agreeing to a higher insurance excess: If you agree to a higher excess you may be offered slightly lower quotes for ebike insurance.