Electric bike insurance: e-bike cover including the motor and battery

Last reviewed: · Pedalsure Underwriting Team · Underwriting Lead

Part of our guide to how bike insurance works.

Pedalsure e-bike insurance covers road-legal electric bikes worth up to £15,000 against theft, accidental damage and malicious damage, at home and away. The motor, battery and display are covered as part of the bike, and claims are settled new for old. Cover starts from £2.45 a month, with up to five e-bikes and bikes on one policy.

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Only need theft cover? Theft Only is also available.

What's covered

Cover Details
Theft At home and away, when the lock and storage rules are met
Accidental and malicious damage Crash damage and vandalism, including the motor and battery
New-for-old replacement Same make and model, or equivalent if that's not available. No deduction for wear and tear.
Replacement bike hire Up to £500 per policy year while an approved claim is settled
Up to five bikes Up to £15,000 each and £30,000 in total
Family riders Covered when ridden by close family (parent, partner, child, brother or sister) who live permanently with you
Price changes only at renewal We won't change your price mid-year because you've claimed

Not covered: mechanical or electrical breakdown, wear and tear, battery deterioration and cosmetic damage.

Is my e-bike eligible?

Your e-bike must be legal on UK roads as an electrically assisted pedal cycle (EAPC): broadly, a motor of no more than 250 watts that stops assisting above 15.5 mph. See gov.uk electric bike rules.

We don't cover an e-bike that isn't an EAPC or is treated as a motor vehicle, ePeds, iPeds or moped-style bikes. Twist-and-go e-bikes are covered only if the throttle works in walk mode only.

Optional add-ons

Add-on Details
Personal Accident (Bronze, Silver or Gold) Up to £10,000, £25,000 or £50,000 for serious injury, plus physiotherapy, dental and hospital benefits
Loss of earnings Weekly benefit up to the amount on your Policy Schedule (max 75% of your average weekly wage), for up to 52 weeks from the accident. Nothing for the first 14 days.
Personal Liability If you injure someone or damage their property, up to the limit on your Policy Schedule. Doesn't pay if you have liability cover elsewhere.
Accessories and personal possessions* £250, £500 or £1,000 for kit, lights, panniers and clothing, if stolen or damaged with your e-bike
Worldwide cover* 30 or 60 days a year
Competition cover* Races and triathlons where a winner is selected

*Available with Theft and Accidental Damage only.

Keeping your e-bike covered against theft

  • Lock: Sold Secure Silver, Gold or Diamond for e-bikes up to £1,000. Sold Secure Gold or Diamond above £1,000 (most e-bikes). A Thatcham-approved motorcycle lock works at any value.
  • Through the frame to an immovable object, for no more than 12 hours, or 24 hours at work or in a station cycle rack.
  • Battery: if you leave the battery on the bike, lock it with its built-in lock and take the key with you.
  • Photos within 30 days of buying, and tell us about a claim within 30 days.

How to lock your e-bike → · Full security rules →

E-bike insurance FAQs

Do I need insurance for an electric bike in the UK?
No. Road-legal e-bikes (EAPCs) don't need insurance by law. Because e-bikes are expensive to replace, many riders insure them against theft and damage. Read more →
Are the motor and battery covered?
Yes, as part of the bike. A battery, charger or removable display stolen on its own is covered only if the bike was stolen at the same time, or the battery was locked to the bike with its built-in lock and there's visible evidence it was forced out.
Is a modified e-bike covered?
Only if it's still a road-legal EAPC. There's no cover for an e-bike that isn't an EAPC or is treated as a motor vehicle, for example one changed to assist above 15.5 mph or fitted with a motor over 250 watts.
Is my cycle to work e-bike covered?
Yes. You can insure an e-bike you hold under a cycle to work, hire or finance agreement if you're legally responsible for it. If you claim, a copy of the agreement counts as your evidence of ownership.
Can my family ride my insured e-bike?
Yes. Your e-bike is covered when ridden by your parent, spouse, partner, son, daughter, brother or sister who lives permanently with you. Personal Accident and Personal Liability cover only you.
Am I covered if I injure someone?
Only if you add Personal Liability. It covers compensation you're legally liable for if you injure someone or damage their property while riding, up to the limit on your Policy Schedule. It doesn't pay if you have liability cover elsewhere.
Do I need extra cover for a sportive?
No. Sportives and charity rides where no winner is selected don't need competition cover. Races and triathlons where a winner is selected do.
Are e-MTBs covered?
Yes, if they're road-legal EAPCs worth up to £15,000. The same lock and storage rules apply. Stunts and stunt equipment, such as ramps, aren't covered.
Am I covered abroad?
You're covered in the UK, the Channel Islands and the Isle of Man. With Theft and Accidental Damage, you can add worldwide cover for 30 or 60 days a year.
Can I use my e-bike for delivery or courier work?
No. There's no cover for business use, including food delivery and courier work. Commuting to and from work is covered.
How is a claim settled?
New for old. We repair or replace your e-bike with the same make and model (or equivalent if that's not available), with no deduction for wear and tear, up to your sum insured, less the excess. If you're underinsured, we reduce the payment in proportion.
How much does e-bike insurance cost?
From £2.45 a month. Your price depends on your e-bike's value and the cover you choose. We won't change it part-way through the year because you've claimed.

See your price for your e-bike.

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Learn more about e-bikes