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An electric bicycle (or e-bike) is very similar to a normal bicycle, with the addition of an electric motor and battery. They are designed to make cycling easier, reducing the amount of effort required by rider. You’ll still need to pedal, but you’ll probably have a more comfortable ride overall and find it easier to get up hills. 

Over the last few years electric bicycles have becoming ever more popular. Over 60,000 are sold in the UK each year and this figure is likely to increase. 

Do I need insurance for an electric bicycle?

You’re not legally required to be insured in order to own or ride an electric bicycle. Whether you buy insurance or not depends on the risk you are willing to take. E-bikes tend to be more expensive than standard cycles, so it’s a good idea to protect them.

You could add your bike to your home insurance policy but the amount of cover you get will be limited and you may not be covered up to the total value of your bike. Shop around and compare electric bicycle insurance quotes before you make your decision.

What’s the difference between bicycle and e-bike insurance?

Most bicycle insurance policies are also suitable for electric bicycles. When you get quotes you’ll be able to add a mixture of standard bicycles and e-bikes to your policy. Although the majority of insurers do cover electric bicycles, some may not.