{"id":33994,"date":"2022-03-07T18:00:00","date_gmt":"2022-03-07T17:00:00","guid":{"rendered":"https:\/\/www.bikeradar.com\/?p=598601"},"modified":"2022-03-07T18:20:26","modified_gmt":"2022-03-07T17:20:26","slug":"electric-bike-insurance-all-you-need-to-know-in-2022","status":"publish","type":"rss_feed","link":"https:\/\/c01.purpledshub.com\/cyclingplus\/rss_feed\/electric-bike-insurance-all-you-need-to-know-in-2022\/","title":{"rendered":"Electric bike insurance: all you need to know in 2022"},"content":{"rendered":"

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By Jack Luke\n \t\t<\/p>

Published: Monday, 07 March 2022 at 12:00 am<\/p>

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Electric bikes<\/a> don\u2019t come cheap. You\u2019ll usually have to pay more than \u00a31,000 for a decent one, while some of the more high-end models can cost upwards of \u00a310,000.<\/p>\n

Since some of the best bikes for commuting<\/a> are ebikes, you might choose to ride one to work. An ebike insurance policy could pay out if it\u2019s stolen despite being correctly locked up.<\/p>\n

Or, if you ride an electric bike for fitness<\/a>, ebike insurance could be invaluable if you damage your bike or yourself in a crash. Stumping up to repair or, if worst comes to worst, replace your bike will only add insult to injury.<\/p>\n

If you\u2019ve made the decision to protect your wheels with an electric bike insurance policy then you\u2019ve come to the right place.<\/p>\n

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Do I need insurance for my electric bike?<\/h2>\n
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Whether your ebike is worth \u00a3500 or \u00a35,000, it could be worthwhile getting it covered against theft if you don\u2019t want to be left out of pocket.<\/span><\/figcaption> Russell Burton \/ Immediate Media<\/i><\/span><\/div>\n

Prior to 2020<\/a>, readers in Northern Ireland had a legal obligation to insure their electric bikes, but for ebike riders in the rest of the UK, this type of insurance has always been optional.<\/p>\n

Northern Ireland changed its electric bike legislation in the summer of 2020<\/a> to align its rules with those in England, Scotland and Wales. This means that electric bike insurance is no longer a legal requirement in Northern Ireland.<\/p>\n

Why else should I insure my ebike?<\/h2>\n

Of course, just because it isn\u2019t mandatory doesn\u2019t mean it isn\u2019t a good idea \u2013 whether your ebike is worth \u00a31,000, \u00a35,000 or \u00a310,000, if it is stolen, or damaged in a road accident, you\u2019re going to find yourself severely out of pocket. Electric bike insurance can help cover the cost of replacing or repairing in these events.<\/p>\n

It\u2019s also worth bearing in mind that some electric bike insurance policies include cycling liability cover<\/a>, which could help cover the cost of legal fees and compensation claims if you damage someone\u2019s property or injure a pedestrian.<\/p>\n

Does my home insurance cover my ebike?<\/h2>\n
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Some home insurance policies will allow you to cover your bike.<\/span><\/figcaption> Reuben Bakker-Dyos \/ Immediate Media<\/i><\/span><\/div>\n

Some home contents policies will insure your bicycle as standard, while others will allow you to add bicycle cover to your policy for a relatively small fee.<\/p>\n

However, it\u2019s important to bear in mind that these add-ons often have a relatively low \u2018single item limit\u2019, which is the maximum amount you would be able to claim for any single item. This might not pose a problem for a policyholder who owns a relatively cheap bike, but since ebikes are often relatively high-value items there\u2019s a risk that you wouldn\u2019t be fully covered.<\/p>\n

For example, if your home insurance policy has a single-item limit of \u00a31,000, but your ebike is worth \u00a32,500, you\u2019d find yourself with a \u00a31,500 shortfall if your ebike was stolen, and would be expected to make up that difference yourself.<\/p>\n

A standalone ebike insurance policy, on the other hand, should cover your electric bike for its full market value.<\/p>\n

Does my home insurance cover my ebike while it\u2019s away from my home?<\/h2>\n

This is another important caveat to bear in mind if you\u2019re hoping that your home insurance policy will offer enough coverage for your electric bike.<\/p>\n

Some home insurance providers include clauses in the bicycle cover add-ons that mean your bike will only be insured while it is in your home or securely locked in your garden.<\/p>\n

If your own home insurance policy contains this clause then you probably won\u2019t be covered if your electric bike is stolen from a bicycle stand, company car-park or office.<\/p>\n

Does my bike insurance cover my ebike?<\/h2>\n

Many \u2018regular\u2019 bike insurance policies cover ebikes as defined under the Road Traffic Act. This states that the ebike must have a maximum power output of 250 watts, is restricted to 15.5mph or 25 km\/h and is not ridden by someone under the age of 14.<\/p>\n

Specialist ebike insurance schemes have clauses that give full cover for battery loss or damage. Apart from that, they are almost identical to pedal-powered bike policies.<\/p>\n

What does electric bike insurance include?<\/h2>\n
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Among lots of other things, bicycle insurance can cover you against theft.<\/span><\/figcaption> Jack Luke \/ Immediate Media<\/i><\/span><\/div>\n

The policy features on electric bike insurance policies can vary from one provider to the next, as can the range of clauses and exclusions, but most policies will insure you against:<\/p>\n