Best Specialized E-bike Insurance Companies in the UK (Top 12)


Easy E-Biking - Decathlon Rockride E ST500 V2 e-bike, helping to make electric biking practical and fun
Photo courtesy of Decathlon

One prominent perk of owning an e-bike in the UK is that it is replete with companies that offer specialized e-bike insurance. This only goes to show how deeply e-bikes have already penetrated the country’s biking culture, which only spells fortune for the growing number of e-bike riders in it. 

There are already so many e-bike insurance companies that choosing one that best suits you can become quite the dilemma. If you’re an e-bike owner yourself, you’re probably looking for the one that is ideal for your budget range and coverage. 

Read also: How to select insurance for your e-bike? – in this article. And, Does it make sense to buy specialized insurance for an electric bike? – in this article.

Choosing an e-bike insurance company doesn’t have to be rocket science. Learning more about the best options you have is just one good preliminary step, you can take toward the right direction. 

UK E-Bike Insurance Comparison Table

The following table provides a general overview of all the e-bike insurance companies’ essential coverages featured here. We have outlined only the most necessary information in it, though, and if you want a deeper dive, then take the time to read more from every company listing. 

CompanyMax Value CoveredE-Bike Damage & Theft CoveragePublic Liability CoverageMedical CoverageAccessory Coverage
Yellow Jersey£15,000 per e-bike£2MIncluded£250
PedalSure£15,000 per e-bike with £30,000 total claimIncluded but amount not specified£50K £1,500
PedalCover£30,000 total claim£2MNoneIncluded
Cycleplan£30,000 total claim£5MIncludedIncluded
Velosure£20,000 total claimIncluded but amount not specifiedIncludedIncluded
Lexham Insurance£10,000 total claim£1M to £5MNoneIncluded
ETA Insurance£6,00 total claim£5MIncludedIncluded
BikesureVaries per e-bikeIncluded but amount not specifiedIncludedIncluded
Eversure£10,000 total claim£5MIncluded£1,500
Assetsure£12,500 total claim£2MNoneIncluded
BikmoVaries per e-bike£2MNoneIncluded
CoverCloud£20,000 total claimIncluded but amount not specifiedNoneIncluded

1. Yellow Jersey

Easy E-Biking - Yellow Jersey electric bike insurance logo, helping to make electric biking practical and fun

Yellow Jersey stands out among the UK e-bike insurance companies with the passion for biking it shares with riders of all walks of life. Having marked more than 15 years of continuous operation, the company was started as a family-owned venture run by three brothers who all happen to be insurance brokers. 

They are themselves consummate biking enthusiasts, so they know what bikers look for when it comes to policy coverages. They offer short-term and annual policies, and you will be given the freedom to set how much to insure for any accessories you are using. 

They offer three insurance packages to users for overall ease of selection. Essentials, Performance, and Ultimate make up the entire list. Each one is aptly named to readily convey what type of rider they are designed and meant for. 

For all packages, the e-bike full value coverage limit is a static £15,000, and the same applies to the £250 accessory cover. Medical coverage notably differs, as evidenced by the incremental physio and dental coverages of £250, £500, and £750. Permanent injury is also covered for £10,000, £15,000, and £25,000 for the said packages. 

The Essential package is recommended for casual riders. Simultaneously, Performance is meant more for professionals or those who ride trails a lot, have a more expensive e-bike or want a shorter term policy. 

Ultimate serves to represent the height of what Yellow Jersey insurance can offer to e-bike users. It’s a model company, in fact, as far as the comprehensiveness of coverage goes. 

To find out more, visit the Yellow Jersey website.

RisksCoverage
Full value cover
Crash damage
Theft at or away from home
Vandalism
Third-party liability
Family cover
Worldwide cover
Race fee cancellation
Accessories cover✓ (optional)
Dental and physical injuries
Roadside recovery
Apparel and helmet cover
Racing cover
Training cover
Emergency bike hire
Shipping coverX

2. PedalSure

Easy E-Biking - Pedalsure electric bike insurance logo, helping to make electric biking practical and fun

PedalSure is another rising e-biking insurance company in the UK and for a good reason. They simplify the entire e-bike insurance process and offer generous coverage benefits for what can be deemed as essential risks in e-biking. However, the company has a glaring downside when insuring e-bikes because they only accept models with less than 250 watts. 

PedalSure was begun in 2014, making it a relatively young insurance company. Even so, it knows what risks most e-bike riders are more concerned about. With a cursory look at its policy guidelines, it becomes apparent that it chooses to concentrate on personal accidents and e-bike damage and theft risks first and foremost. 

Medical coverages alone offer support for several specific injuries the insuree might incur while riding. Do note that Its full value claim coverage, which has a maximum limit of 5 models, has a relatively high range of £15,000 to £30,000. 

The company offers three policy levels labeled Bronze, Silver, and Gold. Below is a full list of the coverages provided by PedalSure.

To find out more, visit the PedalSure website.

RisksCoverage
Full value cover
Crash damage
Theft at or away from home
VandalismX
Third-party liability
Family coverX
Worldwide cover
Race fee cancellationX
Accessories coverX
Dental and physical injuries
Roadside recovery
Apparel and helmet coverX
Racing coverX
Training coverX
Emergency bike hireX
Shipping coverX

3. PedalCover

Easy E-Biking - Pedalcover electric bike insurance logo, helping to make electric biking practical and fun

This company has been around in the UK as recently as 2014, but it didn’t take long to wrap up awards for the short time it took for its expansion to take off. Just shy of a year after its founding, its founder immediately won numerous recognitions for entrepreneurship. 

The company is partnered with AXA, which happens to be one of the largest underwriters in the UK. The former takes care of most of the home insurance claims of the company. 

That said, PedalCover includes its e-bike policies in home insurance rather than dedicating a full-fledged specialized e-bike category. This isn’t surprising since the company is known more as a home and bike insurance company first, and home insurance tends to have higher coverage. 

Due to such a setup, one unique offering by the company is that they don’t charge on a per-bike basis. Their e-bike premiums are all capped at a total of £30,000 worth of cover, regardless of how many models you own. This, of course, is not without its downsides. Still, we can’t deny the fact that getting all your e-bikes covered, especially if you have many, in one policy is very convenient and arguably more economical. 

What’s evident about the company’s e-bike coverages is that they work best with casual riders. They deliver the essential coverages minus the usuals hassles while keeping policy costs down. That’s a win for anyone who wants specialized e-bike insurance without coverages they know they might not benefit from. 

To find out more, visit the PedalCover website.

RisksCoverage
Full value cover
Crash damage
Theft at or away from home
VandalismX
Third-party liability
Family coverX
Worldwide coverX
Race fee cancellationX
Accessories coverX
Dental and physical injuriesX
Roadside recovery✓ (termed as taxi reimbursement)
Apparel and helmet cover
Racing coverX
Training coverX
Emergency bike hireX
Shipping coverX

4. Cycleplan

Easy E-Biking - Cycleplan electric bike insurance logo, helping to make electric biking practical and fun

This company specializes in covering all types of bikes; e-bikes included via its specialized e-bike policies. Cycleplan is the brainchild of Ripe’s persons, one of the biggest niche insurance providers in the country. With that considered, it’s one of the oldest companies in this list, and it’s not hard for it to give newer companies a run for their money with Cycleplan’s sheer reputation alone. 

A lot of Cycleplan’s pull hinges on the relatively low-cost premiums it offers. For a possession as expensive as e-bikes, this can be a real boon for riders who just want the bare necessities when insuring their models. 

Its coverage might be limited, but a solid £30,000 total claim cover is not exactly unattractive. Their policies also allow multi-bike coverage, including accessories. You also don’t need to worry about extra charges if you are residing in a city, and the brand also guarantees no premium penalties after a claim has been made. Another noteworthy feature is the static £5,000,000 public liability cover. 

These perks, plus the budget-friendly policies, are undoubtedly just some of Cycleplan’s strengths. 

To find out more, visit the Cycleplan website.

RisksCoverage
Full value cover
Crash damage
Theft at or away from home
VandalismX
Third-party liability
Family coverX
Worldwide cover
Race fee cancellationX
Accessories cover✓ (same value if less than three years old)
Dental and physical injuries
Roadside recoveryX
Apparel and helmet coverX
Racing coverX
Training coverX
Emergency bike hireX
Shipping coverX

5. Velosure

Easy E-Biking - Velosure electric bike insurance logo, helping to make electric biking practical and fun

Velosure quickly makes its mark in specialized e-bike insurance by being one of its pioneers in the country. In 2014, Velosure was the first to introduce the UK’s first e-bike policy after partnering with the British Electric Bicycle Association. Unsurprising, as the company is manned by people who have long been into cycling and have developed a passion for it, which extends to other riders. 

Indeed, what a lot of clients love about Velosure are not only its steadily decreasing policy costs (as proven by yearly trends) but also the fact that you get as much freedom in customizing your policy. If you want a flexible company to work with, Velosure should be on the top of your list. You will be able to craft a system that surely tailors to your specific needs and requirements. 

For example, you will be allowed to select the kind of coverage you want based on your riding habits and choose the coverage yourself, unlike in other companies where all you can choose from our package deals. 

The company’s total claim cover can reach up to £20,000, which is above average. But what you want is the company’s affordability, adaptability to policyholders, and the remarkable history of the company when it comes to fairness in paying claims. 

To find out more, visit the Velosure website.

RisksCoverage
Full value cover
Crash damage
Theft at or away from home
Vandalism
Third-party liability
Family coverX
Worldwide cover
Race fee cancellationX
Accessories cover
Dental and physical injuries
Roadside recovery
Apparel and helmet cover
Racing coverX
Training coverX
Emergency bike hireX
Shipping cover

6. Lexham Insurance

Easy E-Biking - Lexham electric bike insurance logo, helping to make electric biking practical and fun

Lexham is another one of the UK’s most recognizable vehicle insurance companies. While it’s more popular as an insurer of mopeds, scooters, and motorcycles, it has also become a well-regarded company for insuring electric bicycles. 

The company has almost 20 years of continuous operation to be proud of and has since become the UK’s most trusted specialized insurance companies. Its prevailing status as a “hands-on” company is undoubtedly just one of the main reasons it has gained such high popularity. 

Like plenty of other specialized e-bike companies, Lexham Insurance covers on a per-bike basis. Its total claim cover per bike is lower than most and amounts to £10,000. Even if that’s the case, the company has no shortage of positive reviews. It’s also not particular of the type of e-bike you want to insure with it, and it even allows custom-built models to be covered.

While it does not offer worldwide coverage, it does provide a 90-day European cover if you are abroad while needing to make a claim. The company also strictly covers UK residents only. 

To find out more, visit the Lexham website.

RisksCoverage
Full value cover
Crash damage
Theft at or away from home
VandalismX
Third-party liability
Family coverX
Worldwide coverX
Race fee cancellationX
Accessories coverX
Dental and physical injuriesX
Roadside recovery✓ (optional)
Apparel and helmet cover
Racing coverX
Training coverX
Emergency bike hireX
Shipping cover

7. ETA Insurance

Easy E-Biking - ETA electric bike insurance logo, helping to make electric biking practical and fun

ETA Insurance offers a collection of coverages for most vehicles and travel purposes. It also extends its policies to home insurance, highlighting its versatility. With over three decades of mileage (having been founded in 1990), ETA Insurance attributes its growth and longevity to the speed in which it addresses the growing demands for safety when hitting the road. 

The company is one of the pioneers of cycling insurance in the country. And the fact that it’s one of the first to cover e-bikes in the UK only proves this further.

Its e-bike coverage policies are somewhat limited, though, as it also has the restriction of covering only e-bikes that do not go above 250-watts with their motors. The top speed should even not exceed 15.5mph. It also has low full-value coverage, having a maximum of £6,000 only.

The company may not have as wide-ranging coverage as others. Still, it has some head-turning benefits, not least the £5,000,000 public liability cover and the specific coverage for battery theft. You can also choose to cover riders who will be using your e-bike regularly. 

To find out more, visit the ETA Insurance website.

RisksCoverage
Full value cover
Crash damage
Theft at or away from home✓ (includes battery theft)
Vandalism
Third-party liability
Family cover
Worldwide coverX
Race fee cancellationX
Accessories coverX
Dental and physical injuriesX
Roadside recovery✓ (optional)
Apparel and helmet cover
Racing coverX
Training coverX
Emergency bike hireX
Shipping coverX

8. Bikesure

Easy E-Biking - Bikesure electric bike insurance logo, helping to make electric biking practical and fun

This bike insurance company has been around since 1990 with headquarters at King’s Lynn. Bikesure established itself as an excellent local specialist motorbike broker by welcoming all kinds of motorbikes, scooters, mopeds, and, now, pedelecs. 

And we mean all, so if you have a model that falls on the “unusual” or “personalized” side, which you have reservations in insuring, then you might want to give Bikesure a try.

The brand claims that you only need to pay for the cover you want, but this is not precisely the case because they offer two main policy packages instead, namely Secure and Plus. Each one includes a set of coverages that are listed down on the company’s website. 

The latter level brings more coverage and a host of other features like the noteworthy £100,000 of legal cover. Other notable add ons you can avail to upgrade your policy are breakdown assistance and excess protection. 

Despite these pluses, the company, as a whole, has only received an average rating from the majority of its clients. Even so, the company is known for its convenient and quick way of rendering its services, and it’s hard to fault an insurance company with a 4.5/5 trust rating in Trustpilot. 

To find out more, visit the Bikesure website.

RisksCoverage
Full value cover✓ (for bikes less than 12 months old only)
Crash damage
Theft at or away from home
VandalismX
Third-party liability
Family coverX
Worldwide coverX
Race fee cancellationX
Accessories cover
Dental and physical injuries
Roadside recoveryX
Apparel and helmet cover
Racing coverX
Training coverX
Emergency bike hireX
Shipping coverX

9. Eversure

Easy E-Biking - Eversure electric bike insurance logo, helping to make electric biking practical and fun

Eversure is another one of those insurance companies that give you the necessities at yearly prices the average e-bike rider will love. It has been around since 2008 and offers insurance for several other things like caravans, drones, cameras, and breakdown cover, to cite a few. 

Looking at the overview of its policy features, it’s not hard to see that its primary and sole policy is best. Although the e-bike cover of £10,000 is lower than most, it makes up for this by including helpful coverages not typically found in other companies. 

These include battery damage cover, personal accident cover, and the company terms as “New for Old Cover,” which means new e-bikes that have been damaged or lost will be replaced with a new similar model. 

Incidentally, the company was nominated for an Insurance Choice Award in recent years. It also holds a 5-star Gold Trusted rating issued by Feefo. Overall, it’s a company that is not hard to deal with by virtue of its no-nonsense approach and thorough and clean way of listing down all its specialized e-bike insurance policy features. 

To find out more, visit the Eversure website.

RisksCoverage
Full value cover✓ 
Crash damage✓ (emphasized as “malicious damage” only)
Theft at or away from home
VandalismX
Third-party liability
Family cover
Worldwide cover
Race fee cancellationX
Accessories cover
Dental and physical injuriesX
Roadside recoveryX
Apparel and helmet cover
Racing cover
Training coverX
Emergency bike hireX
Shipping coverX

10. Assetsure

Easy E-Biking - Assetsure electric bike insurance logo, helping to make electric biking practical and fun

Assetsure immediately stands out as a go-to insurance company in the whole of the UK. It figures a lot in the country’s top insurance companies because of the sheer scope of the areas it covers. London-based and having more than 30 years of experience in the insurance industry, Assetsure is no pushover. 

Interestingly, it’s known more as a company that insures jewelry and other collectibles. Despite this reputation, it did not stop Assetsure from expanding to include different types of insurance, not least of home, general business, wedding, cycle shop, gadgets like cameras, and bikes and electric bikes.

The company guarantees a precise amount of £12,500 to cover most of the significant risks involved in e-biking. Besides this, the policyholder also automatically gets the legal cover. 

However, do take note that the company explicitly states that e-bikes with more than 250 watts of power are already classified as mopeds and hence won’t be eligible for coverage. Admittedly, the company’s e-bike coverage falls short of what we would typically expect from this size company. And not to mention that the company labels its e-bike policy as “comprehensive insurance for e-bikes.”

But for Assetsure’s good track record through the years, it still deserves to be included here.

To find out more, visit the Assetsure website.

RisksCoverage
Full value cover
Crash damage
Theft at or away from home
VandalismX
Third-party liability
Family coverX
Worldwide coverX
Race fee cancellationX
Accessories cover
Dental and physical injuriesX
Roadside recoveryX
Apparel and helmet cover
Racing coverX
Training coverX
Emergency bike hireX
Shipping coverX

11. Bikmo

Easy E-Biking - Bikmo electric bike insurance logo, helping to make electric biking practical and fun

With just five years of experience going down the insurance path, Bikmo is an up-and-coming company like some others included in this list. Bike geeks staff it with a deep love for technology, and it’s evident that the company knows what e-bike riding is all about, both the good and the bad. 

Bikmo is also active in the local biking community while actively protecting the growing number of riders in the UK and the environment.  Its youth is probably the reason why it prioritizes simplifying the insurance process. The company is underwritten by Hiscox, which is a known insurance provider for small businesses. 

The company offers a single e-bike policy for riders and covers just about all the vital risks. It’s remarkably easy to get a quote from the company, and they have even stated that they have reduced their e-bike policy’s cost by as much as 25% recently. Much like others on this list, it also puts into place the 250-watt restriction for e-bikes that it can cover. 

To find out more, visit the Bikmo website.

RisksCoverage
Full value coverX
Crash damage
Theft at or away from home
VandalismX
Third-party liabilityX
Family cover
Worldwide cover
Race fee cancellationX
Accessories cover
Dental and physical injuriesX
Roadside recoveryX
Apparel and helmet cover
Racing cover (Event cover)
Training coverX
Emergency bike hireX
Shipping coverX

12. CoverCloud

Easy E-Biking - Covercloud electric bike insurance logo, helping to make electric biking practical and fun

CoverCloud is another London-based insurance company that offers gadgets and travel insurance along with bicycle insurance. The company has been serving UK residents for more than 30 years, which is always a significant milestone for any enterprise. 

CoverCloud wastes no time is outlining the protection you will get once you avail of their specialized e-bike policy. They only offer comprehensive protection that amounts to a total of  £20,000 for theft and damage. You also get to decide what other specific coverages you want, which is another plus for users. This way, the overall policy cost is kept at a minimum. 

Like Eversure, it also offers a new-for-old replacement for e-bikes that are not more than three years old. As a whole, CoverCloud is preferred for riders who want to exercise as much control over the coverages that they will get for their e-bike and want to keep insurance expenses low. 

To find out more, visit the CoverCloud website.

RisksCoverage
Full value cover
Crash damage
Theft at or away from home
VandalismX
Third-party liability✓ (optional)
Family coverX
Worldwide cover
Race fee cancellationX
Accessories cover
Dental and physical injuriesX
Roadside recovery✓ (optional)
Apparel and helmet cover
Racing coverX
Training coverX
Emergency bike hireX
Shipping coverX

A few words in conclusion

These companies might not entirely specialize in e-bikes, but they are the best when it comes to this fast-growing niche. We hope that the information we revealed above will ensure that you won’t have to split hairs when deciding on what e-bike insurance company to choose. 

Before you decide on a company, it’s best to use this resource as a reference so you’ll be able to make quick comparisons and see insurance perks that you happen to find attractive. 

Read also: Top specialized e-bike insurance companies in the US (coming soon), Canada, Australia.

Here is a quick video, taking a look at several e-bike insurance options and why you may want to have an insurance policy for your e-bike:

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