Electric Bike Insurance

Electric Bike Insurance

Specialist e-bike insurance to suit you. Electric bikes can be expensive. Protect yours with our custom built e-bike policies.

0344 892 1572

Monday to Friday, 9am to 5pm

About Electric Bike Insurance


E-bike cover designed for cyclists by cyclists

Flexible e-bike insurance developed with feedback from our customers at the core


Theft and damage protection for your e-bike

Up to £20,000 cover for theft or attempted theft

Accidental Damage

Accidental damage cover for your e-bike

Public liability cover should you accidentally injure someone or damage someone’s property with your e-bike

Direct Debit

Pay for e-bike insurance by direct debit

You can choose to spread your payment into 10 monthly instalments

Features of Electric Bike Insurance

Standard cover

Theft or damage cover for your e-bike

Protection for your electric bikes if they are stolen or damaged (both accidentally or maliciously) with our flexible e-bike insurance policies. Our policies not only cover your e-bike at your insured property, but it also covers you out and about, in transit and in the custody of transportation providers including airports, railways or seaport operators.

Replacements and repairs for your e-bike

Electric bikes can be costly and so can repairs and purchasing replacement parts or e-bikes. With our electric bike theft and damage cover we’ll provide you with a temporary replacement to use in the interim so you can still get from A to B. Cover is provided up to 10% of the bike sums insured.

E-bike events cover worldwide

If you participate in electric bike cycling events, we can reimburse organised event fees if you are unable to participate in said event for reasons out with your control. Our worldwide events cover also covers associated costs such as accommodation, travel and bike hire up to £250.

Additional cover

Optional personal accident cover for e-bike cyclists

Should you wish to add personal accident cover to your policy, you can choose between three levels of cover up to £20,000. This cover protects you if you’re involved in a cycling accident that results in injury, permanent disability or death. Additionally, it covers broken bones, emergency dental expenses, hospitalisation and physiotherapy that occur as a result of your electric bike cycling accident.

Optional accessories cover for e-bikes

Add accessories cover on to your policy to cover up to 20% of the value of your bike.

Optional legal expenses cover for e-bikes

Up to £50,000 cover for legal costs incurred following a cycling accident with our legal protection service. Our legal protection service can allow you to pursue a claim which can help you recover costs arising following the accident.

Electric Bike Insurance FAQs


How does e-bicycle insurance work?


Our bicycle insurance can cover the cost of repairs or replacement if your e-bike or accessories are stolen or you’re in an accident and your bike and accessories are damaged. For full details and limits of the cover available, please refer to the policy wording.


Do I need e-bike insurance?


There is no legal requirement to have cycle insurance but with e-bikes costing from £1,000 upwards it’s important to protect both yourself and your e-bike should it be stolen or accidently damaged.


My e-bicycle is covered on my home insurance, do I need cycling insurance as well?


Home contents insurance often has limitations for the bicycles value and the situations cover is provided for which is usually only whilst the cycle is kept at your home. Our e-bike policy can provide cover for theft or accidental damage while you’re out riding your e-bike or participating in events.


My e-bike has more than a 250watt motor, can you still cover it?


No, we can only provide insurance for pedal-assisted electric bikes that have a maximum power output of 250watts and are restricted to 15.4mph. If your e-bike has more power than 250watts as standard, we are unable to provide cover under our Cycle policy. If you are unsure, please contact our Cycle team who can confirm if we are able to offer cover for your e-bike.


What will be covered if I’m involved in a cycling accident?


As part of our optional personal accident product, we offer various levels of cover for additional costs you may experience due to an accident. These can be anything from dental costs or physiotherapy through to additional travel expenses due to not being able to commute to work on your bike or loss of earnings.

What’s more, the bicycle and accessories section of the policy will pick up any damages sustained to your e-bike or kit in the accident.

And, if you have opted to include Legal Expenses, it will also provide you with legal protection to pursue uninsured losses that may have happened due to the fault of a third party. Examples of these are; other road users or the local authorities for poor road management such as dangerous road surfaces/potholes left unattended.


Can you cover me if I am not a UK resident?


Unfortunately, our cycling insurance for e-bikes is only designed for those who reside in the UK (excluding the Isle of Man and the Channel Islands)


Can I pay for my e-bike insurance in instalments?


Yes. If you’d prefer to spread the cost of your premiums, you have the option of setting up a Direct Debit to pay your premium by monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

Product and Service Support

Policy Documents

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the Insurance product information document and Policy wording.

Policy wording

Uploaded: 6/6/2022

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Insurance product information document

Uploaded: 6/6/2022

228 Kb

Legal insurance product information document

Uploaded: 6/6/2022

187 Kb

View all documents
Policy documents

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Contact the claims team

on 0330 018 2337 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim