An e-bike, also known as an electric bike or a booster bike, is becoming an increasingly popular sight on the UK cycle scene. Whether it’s to whiz around town, for a long commute, to tackle some unforgiving climbs or just mounted to the back of your motor-home for a trip across Europe, they’re everywhere.

The Facts

The guidelines set out by the UK government for ‘electrically assisted pedal cycles’ (EAPC) are;

  • e-bikes must have pedals in order to propel it.
  • The electronic motor should not be able to propel the bike when it is travelling more than 15.5 MPH.
  • The motor should not produce more than 250 watts of power.

Please note: e-bikes with de-restrictor kits fitted do not meet these guidelines and cannot be covered by our policy

You can ride an e-bike anywhere you would ride a manual bike, including cycle lanes, and the minimum age you can ride an e-bike in the UK is 14 years old.

So why would I need e-bike insurance?

The main reason anyone gets insured is to provide protection in the event there’s an incident involving any of your equipment, whether it be damage, theft or loss. When building Bikmo’s policy for electric bike riders, we looked at our own riding and the kinds of things we wanted and additionally included the data of our big e-bike survey. We asked 3,000 riders across the UK, Ireland, Germany and Austria about their behaviour and expectations for an e-bike insurance and could reduce our premiums by 25%.

There are loads of e-bike brands out there, Brompton, Haibike and Gtech to name but a few. Also, push and MTB bike brands, such as Trek and Giant, have brought out their own range of e-bikes, so the list is endless really in terms of the sort of e-bike you can buy. What is important, however, is making sure that your e-bike is covered by a market leading e-bike specific insurance policy.

Accidental damage

One of our cycling friends recently took an idyllic cycling trip in York using his Gtech city bike, when he unfortunately came off due to a pot-hole in the road. Resulting damage to the bike was outside of the manufacturers warranty, which is often the case with crash damage, and so this chap was billed in excess of £1700 to repair. Bikmo covers you for the amount you specify for accidental damage when out on the road.

Bike accessories & spares / clothing & headgear

So you know your e-bike is covered, but let’s think about the accessories etc you might like to include in the policy. It could be a Garmin, an expensive helmet, a top of the range bike lock, or your reasonably pricey commuter kit. Should you need to make a claim on your bike then, with all Bikmo policies you have a minimum of £250 or 10% of the total sum insured to cover bike accessories and clothing. For full details of what’s included, check out our Product Definitions.

Older policies may have different levels of cover for accessories, clothing and headgear. Please check your policy schedule for your sums insured.


It’s not just your standard push-bikes which we’re seeing more of here, there and everywhere, e-bikes are becoming a lot of riders preferred mode of getting from A – B. Unfortunately, there’s a few light-fingered folk around that won’t think twice about stealing your pride and joy, and it’s happening more often than we’d like.

Bikmo covers you for theft, or vandalism if someone else damages your bike.

Public liability

Whether you ride a road, city or mountain e-bike, we know that roads and trails get busy, and accidents can happen. If you hurt someone else or damage their bike, then you may be liable for compensation. We’ve added £2m public liability to Bikmo PLUS and RACE, to cover any situations with a third party.

E-bike travel insurance

The UK has some amazing riding spots, whether they be on or off-road, but sometimes the temptation of the open road in Europe or afar is too great to resist. If your bike becomes damaged in transit, whether it be on the back of a motor-home or in transit, Bikmo has year round worldwide cover, including emergency bike hire if an incident occurs and you need to get back to where it is you’re staying. Check out our cycle travel insurance page for more information.

So do I need e-bike cycle insurance?

There’s a lot which can go wrong wherever you’re riding and we’ve experienced the sharp end of it. If you’d like some protection for the incidents you can’t plan for, then we’d love to welcome you onboard with our superb e-bike insurance policies. Get a quote and see how easy it is to protect your passion.