Insurance and electric bikes

You’ve just bought a shiny, new, electric bike. And what’s more, like all Eco Bike Co. bikes, it comes with a comprehensive warranty.

Sorted, right?

Not quite - although it may not be at the top of your to-do list when buying an electric bike, we always advise our customers to buy insurance.

E-bikes can represent a chunky investment - one that’s worth protecting, and even more so if you plan on making your electric bike your principal mode of transport. 

Accidents and theft do happen, and home insurance policies aren’t always sufficient to cover such incidents. 

However, knowing that you have coverage in case of an unexpected incident can give you confidence and allow you to enjoy your electric bike without worrying about the financial consequences - and ensure you get back on the road as quickly as possible.

In this article, we discuss some of the reasons why you need insurance for an electric bike.

Protection against accidents

Electric bikes are still vehicles, and accidents can happen.

Whether it's a collision with a car or a fall on a busy street, accidents can result in serious injuries, property damage - and of course, damage to your e-bike. 

Suitable insurance can help cover medical expenses and repair or replacement costs.

Liability coverage

Of course, one hopes liability coverage would never be necessary - but as stated above: accidents can happen.

If you are involved in an accident that causes injury or property damage to someone else, you could be held liable for those costs. 

Of course, safe cycling and understanding the rules of the road limit the likelihood of such an occurrence - but given the speed at which electric bikes can travel, it is worth keeping in mind.

Theft protection

Cycle theft, particularly in major UK cities, is sadly too frequent an occurrence.

Electric bikes are a particularly popular target for thieves because of their high value.

If your electric bike is stolen, insurance can help cover the cost of replacing it. Certain insurance policies also provide coverage for accessories and modifications, which can also be expensive to replace.

Types of insurance for electric bike owners

There are numerous insurance providers who specialise in cycling equipment and other similar items. 

We always recommend carrying out due diligence and reading policies thoroughly to ensure you aren’t caught down the line when making the claim.

Naturally, the temptation is often to go for the cheapest policy, but opting for a low-cost solution shouldn’t be at the expense of comprehensive cover.

Our tip: Choose an insurance provider with a good reputation for customer service. You want to be sure that you can easily file a claim and get the support you need in case of an accident or theft.

Do I need insurance for my electric bike?

For us, electric bikes represent freedom. 

Freedom to explore, freedom to travel without restriction, freedom to have fun.

Talking and worrying about insurance seem incongruous with that freedom: but accidents happen.

Peace of mind is important, and insurance can provide that. 

It’s worth noting, that however comprehensive (and well-priced) your insurance policy is, the best thing is to avoid an accident or theft in the first place. 

Lock up your bike when it’s not in use, use bright and reflective clothing or accessories to increase visibility in low-light conditions, and always follow The Highway Code.

In conclusion, insurance is an important investment for electric bike owners. It provides 

If you’d like to discuss insurance and electric bikes further, feel free to get in touch with the Eco Bike Co. team.

As an authorised dealer for each of the top-of-the-range brands listed on our website, Eco Bike Co. are able to offer full manufacturer warranties on all our orders. 

Further peace of mind for customers.

Happy riding.