Electric bike insurance

Yes, we can insure eBikes, although there are certain types of eBike that we cannot cover. Our electric bike cover automatically includes any fire damage caused through an electrical fault.

We can insure electric bikes that meet our eBike specification (see "What type of electric bikes can cycleGuard cover?") and are ridden within the legal requirements of the UK, as well as any other country that you take your insured eBike to. You must be at least 14 years old to ride an eBike in the UK.

eBikes, which are classified as a bike are not considered to be a motor vehicle in the UK and do not need to be insured. For the type of eBike that can be covered, see “What type of electric bikes can cycleGuard cover?

An electric bike, or an eBike, is an ‘electrically assisted pedal cycle’ (or EAPC). An eBike has a motor, usually either in the bottom bracket between the cranks or within the rear wheel hub, which is used to assist the rider when needed.

In order to be classed as an electric bike, an eBike cannot be subject to the UK Road Traffic Act requirements. We can cover e-bikes that meet the following specification:

• Any electrically-assisted pedal cycle (EAPC) that must still be powered by human pedalling and is only being assisted by electrically-motored power.
• Does not require any key or ignition switch
• Has a motor with a maximum continuous rated power of 250W
• Has a motor with a cut-off, when unassisted at 3.7mph
• Has a motor with a cut-off, when assisting whilst being pedalled at 15.5mph

We are unable to cover any form of speed pedelec, speed eBike, e-scooter, e-moped or e-motorbike. We can only cover an EAPC / eBike if it is being ridden by someone aged 14 or over.

Electric bikes are great for commuters. With the pedal-assist feature, you can get from your home to the office without needing to break a sweat!

We offer specialist insurance for those who bike to work. So if you're a commuter cyclist, take a look at what we can offer you here.

You must be 14 years or older to ride an eBike or electric bike in the UK.

The minimum age for the main policyholder is 18. You can include your family members and their bikes on your cycleGuard policy, but we cannot cover anyone under the age of 14 for an electric bike.

Public Liability and Personal Accident cover (if you have chosen to include this on your eBike policy) will only apply to anyone aged 16 or over at the time of any incident, and total permanent disablement cover is only available for anyone aged 65 or under.

The battery life on your eBike differs depending on your battery. Electric bike batteries in the UK tend to be either Lithium or Polymer Lithium-ion. When you're out on a ride, the battery life on an eBike will also depend on what sort of area you're cycling on and how much you pedal. Other factors include:

• How much pedal assistance you're using and how many times you stop and start
• What type of terrain you're cycling on
• The tyre pressure on your electric bike (softer eBike tyres are generally less efficient)
• Your weight and any luggage you carry
• How heavy your eBike's motor and battery are
• Polymer Lithium-ion batteries on your eBike usually last longer. The average eBike battery these days should be able to take you around 40 miles on a full charge.

If your policy start date is from the 1st March 2022 onwards:

We will reimburse you or a member of your family for the cost of a single taxi journey, up to a maximum of £200, to your onward destination or insured location with your insured bicycle, if you are unable to complete your cycling journey in the event of:

• the theft of the insured bicycle, or
• accidental damage to the insured bicycle, or
• irreparable breakdown of the insured bicycle, or
• irreparable puncture to the insured bicycle, or
• an injury whilst cycling the insured bicycle.

Cover applies within the United Kingdom only, and for incidents that occur more than 1 mile from our insured location. A valid receipt from a registered taxi company will be required as proof of expenditure, which can be included within your claim.

If your policy start date is before the 1st March 2022:

You will receive a contact number for "Call Assist" the recovery breakdown providers. We would recommend that you store this number on your mobile phone or in an accessible place when you are out cycling. Call Assist have over 1,500 recovery agents and will despatch the nearest one to recover you and your bike. They will then travel to your location and transport you to the nearest one of the following:

• A suitable cycle repair shop
• An appropriate railway station
• A car rental agency
• The nearest overnight accommodation
• Your home

No, we only cover standard electric bikes that also have to be pedalled at the same time and have a top assisted speed of 15.5mph. For our full specification of the types of eBikes that we can cover see “What type of electric bike can cycleGuard cover?”

Public Liability is known by a couple of different names, personal liability or Third Party Liability. It provides cover against damage to persons or property caused by your proven negligence. At cycleGuard, we will pay up to £5million to indemnify you or a member of your family against legal liability for accidental bodily injury or death to any person or accidental damage to third party property which arises from use of your eBike. Cover is available for those aged 16 or older.

Yes, we can cover yours and your family’s bikes on one policy, which will automatically include your Multi-bike Discount, with a maximum combined value of £20,000. If you're looking for insurance for bikes and electric bikes over this amount, then please contact us by either:

• Phone: 0333 004 3444
• Email: support@guardcover.co.uk

Your electric bike will be covered for use by other members of your family. A family member means parents, spouse, partner, siblings or children / step children, but only when living at the same insured location (where your insured bike(s) is usually kept, which should also be your main place of residence). Our eBike cover is only available to cyclists aged 14 years or over.

Our Race and Compete cover option will also extend cover to riders at the same cycling or triathlon club.

The value should be the current, new undiscounted cost including VAT from a reputable dealer at the time you apply. End of season offers, and bargains do not count as the usual price.

We are able to offer a quotation up to a maximum value of £20,000 for individual electric bikes or multiple bicycles. You can insure up to 10 bicycles on one policy providing the total value does not exceed the £20,000 limit.

If you have an eBike or bicycles over that value, we may be able to offer you a quotation. You can either call us for your individual quote on: 0333 004 3444, or alternatively you can email us at: support@guardcover.co.uk

Yes. You must be a UK resident and domiciled in the UK.

Yes, the excess amount will depend on the type and value of the claim.

• Claim amount is under £1,500 = excess of £50
• Claim amount £1,500 to £2,999 = excess of £100
• Claim amount £3,000 to £4,999 = excess of £150
• Claim amount is over £5,000 = excess of £200

For Public Liability claims, the first £500 of each claim arising from damage to third party property.

Yes, you can make changes to your policy by simply logging in to your online account here, or by calling us on: 0333 004 3444

You can add or delete insured items and change some aspects of your policy. Note that additions will incur additional costs. Additional premiums are charged on a pro rata basis from the date of change. Any cover options that you choose can only be added or removed when you first buy the policy or at renewal.

It's particularly important that you have proof of ownership of any major electric bike parts and locks. Proof of this could be packaging, manuals or photo of all the relevant parts, clearly showing the make (and model if applicable) of that item.

In addition, bank or credit card statements can be provided and, on some occasions, retailers may be able to provide duplicate receipts for larger purchases.

You need to tell us about any cycle related losses or claims you have had within the last three years, whether insured or not. It is important that you make an honest disclosure of any previous claims or losses, as this could invalidate your cover.