Compare E-Bike Insurance
Your e-bike is a significant investment — specialist e-bike insurance protects it wherever you ride. Standard home contents policies rarely cover electric bikes away from home. Compare the UK's leading specialist providers below.
Compare providers
Bikmo
From £3.73/month
- Theft, accidental damage & liability included
- 50% multi-bike discount
- Cover up to £30,000 bike value
Laka
From £4/month
- Community pricing — no excess or depreciation
- Flexible monthly payments
- Theft, accidental damage & liability
Yellow Jersey
Bespoke quotes
- Personal accident & liability included as standard
- Cycling specialist insurer
- Worldwide cover available
Cycleplan
40% introductory discount
- Cover up to £30,000 value
- Competition & racing cover available
- Theft, damage & public liability
Sundays Insurance
Bespoke quotes
- Worldwide cover included
- Designed for commuters & tourers
- Theft, accidental damage & liability
Prices correct at time of last update. Always check directly with the provider for current pricing.
What does e-bike insurance cover?
Theft
Covers your e-bike if stolen at home, away from home, or in transit. Most policies require the bike to be secured with an approved lock when left unattended.
Accidental damage
Covers repair or replacement if your e-bike is damaged in a crash, fall, or accident — whether your fault or not.
Third-party liability
Protects you if you accidentally injure a pedestrian or damage someone's property while riding. Most policies include £1–5 million of liability cover.
Personal accident
Pays a lump sum or covers medical costs if you are seriously injured while riding. Available as standard or as an optional add-on depending on the provider.
Common questions
Is e-bike insurance a legal requirement in the UK?
No — there is no legal requirement to insure an e-bike. However, if your e-bike is worth £1,000 or more and you ride in public, it is strongly recommended, particularly for third-party liability cover in case you injure someone.
Does home contents insurance cover my e-bike?
Rarely. Standard home contents policies typically only cover items inside the home, and many explicitly exclude motorised vehicles including e-bikes. A specialist policy covers you everywhere you ride — including theft from the street and accidental damage while out.
How much does e-bike insurance cost?
Prices start from around £4–£5 per month for a basic policy on a £1,500 e-bike. For a higher-value bike at £3,000, expect £8–£15 per month. Premiums vary based on bike value, where you live, and the level of cover selected.
Does my e-bike need to comply with EAPC rules?
EAPC (Electrically Assisted Pedal Cycle) bikes — those with a motor up to 250W that don't assist above 15.5mph — are covered by all major specialist insurers as standard. Throttle-only bikes or speed pedelecs (over 15.5mph) are classified differently and may require specialist cover. Always check with your insurer.
What isn't covered by e-bike insurance?
Common exclusions include mechanical or electrical breakdown (unless added as an extra), gradual wear and tear, theft if the bike wasn't secured with an approved lock, racing or competition use (unless specified), and riding without lights at night.
Will my e-bike be covered if I take it abroad?
It depends on the provider. Sundays Insurance includes worldwide cover as standard; others limit cover to the UK and Europe. If you travel frequently with your e-bike, confirm foreign cover is included before buying.
Can I insure multiple e-bikes on one policy?
Yes — providers like Bikmo offer multi-bike discounts of up to 50%. If you have more than one bike in the household, compare a combined policy against individual policies to find the better value.
What excess should I expect?
Standard excesses typically range from £50 to £150 for theft and accidental damage. Laka uses a community model with no fixed excess. Some providers let you reduce the excess by paying a higher premium.
How to choose the right policy
E-bike insurance policies vary considerably. Here is what to check before you buy:
Agreed value vs market value
Agreed value means you get the insured amount in a claim. Market value means the payout reflects depreciation. Agreed value is usually better for newer, high-cost e-bikes.
Lock requirements
Most policies require the bike to be secured with an approved D-lock or chain lock when left unattended. Failing to lock it properly can invalidate a theft claim.
Worldwide vs UK cover
If you take your e-bike on holiday or business trips, check whether the policy covers you abroad. Not all providers include this as standard.
Thinking about protecting your other devices too? Compare mobile and tablet insurance on Compear.