Electric bike insurance

Protecting UK cyclists for over 20 years

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Specialist electric bike insurance from cycleGuard

Protect your electric bike and accessories

Great for commuters and thrill-seekers alike, electric bikes are the latest and most popular way to make cycling easier. Accessible, versatile and fun, e-bikes don’t come cheap though. So whether you’re riding to work or out on the trails, our specialist cycle insurance can keep you covered.

We want to ensure that our electric bike cover is suited to the type of e-bike that you and your family are looking to insure. Find out more about the type of e-bikes that you can include on your policy here.

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Over 20 years of Guardcover, supporting your passion

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Why protect your electric bike with cycleGuard?

See how cycleGuard can protect you, your electric bike and accessories

20 Years of Experience

We know what it takes to protect the things that matter to you.

Quick and Simple

We make it easy for you to find the right policy for your bike and kit.

0% Monthly Payment

Spread your payments across the year at no extra cost.

UK Customer Service

Our customer service team is ready to help you with all your questions.

Online Account

Your online account is an easy way to access and manage your policies 24/7.

Multi-Bike Discount

Cover multiple bikes on one policy, saving you time and money.

What's included in my electric bike insurance?

What am I covered for?

Whether it’s commuting, weekend riding or mountain biking, cycleGuard can cover a wide-range of electric bikes.

Had a bump or a scrape on your e-bike?

If it’s at home or while you’re out and about, suffering theft or damage to your electric bike can be painful. At cycleGuard, we’re there to help get you back on your ride. Cover available for e-bikes up to £20,000. Security and lock requirements apply.

What happens if your electric bike breaks down?

If your e-bike ‘breaks down’, suffers a puncture that you can’t repair, or you’re injured and can’t continue your ride, our UK Cycle Rescue cover is there 24/7 to help you get home or to an alternative safe place. Cover applies when you’re more than a quarter of a mile away from your home.

Taking a cycling trip overseas?

If your ride takes you outside of the UK, our cover for your accessible bike and accessories will automatically include 30 days cover in the EU. Worldwide cover option also available.

Why should you lose out when making a claim?

We understand what your bike means to you, which is why we offer genuine new for old replacement, and we don’t depreciate the value of your bike when you make a claim. Proof of purchase needed when making a claim.

Is your electric bike covered in the car?

You can rest easy when you’re away from home and your e-bike is secured to your bike rack or temporarily stored, securely, in your car as we automatically include theft cover for bikes left in or on unattended vehicles. Security requirements apply.

Optional mountain bike insurance

Optional extras for your electric bike

Global Travel - If you’re venturing further afield, extend your cover to include 12 months worldwide. Up to £300 bike box cover and up to £150 emergency bike-hire if your bike is stolen or damaged. Max. 60 days per trip.

£5m Public Liability - With our optional Public Liability cover, we can provide up to £5million to protect against cycling-related claims made against you. Excludes North America. Cover only applies in the UK.

Optional electric bike insurance

Personal Injury - Taken a corner or a trail too quickly and need support to get back on your e-bike? Our injury option provides up to £25,000 cover for a range of injuries. Excludes pre-existing conditions.

Race and Compete - Extends your policy to amateur races, like the e-bike Enduro, and covers up to £750 in race fees and £500 in associated travel costs if you’re injured and can’t make the start-line.

Which Types of Bikes Do we cover at cycleGuard?

Cycle insurance to meet your needs

Frequently asked questions about electric bikes

Want to find out more about our e-bike cover?

If you’re wondering what our e-bike insurance includes, then we've answered a few questions here!

An electric bike, or an e-bike, is an ‘electrically assisted pedal cycle’ (or EAPC). An e-bike 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 e-bike 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 e-bike, e-scooter, e-moped or e-motorbike. We can only cover an EAPC / e-bike if it is being ridden by someone aged 14 or over.

Yes, we can insure e-bikes, although there are certain types of e-bike 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 e-bike 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 e-bike to. You must be at least 14 years old to ride an e-bike in the UK.

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 youre a commuter cyclist, take a look at what we can offer you here.

E-bikes, 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 e-bike that can be covered, see “What type of electric bikes can cycleGuard cover?

You must be 14 years or older to ride an e-bike 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 e-bike 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 e-bike 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 e-bike 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 e-bike tyres are generally less efficient)
  • Your weight and any luggage you carry
  • How heavy your e-bike's motor and battery are
  • Polymer Lithium-ion batteries on your e-bike usually last longer. The average e-bike battery these days should be able to take you around 40 miles on a full charge.

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.

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:

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 e-bikes that we can cover see “What type of electric bike can cycleGuard cover?”

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 e-bike 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 resident and permanently domiciled in the United Kingdom.

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 e-bike 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.

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 1500 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

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.

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 e-bike. Cover is available for those aged 16 or older.

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.

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.

Provided your electric bike is suitably packed in a bike bag or box and you have a receipt from the airline that your e-bike was checked onto the aircraft, then your bike would be covered against accidental damage. While under the responsibility of your transport provider, we don’t include cover against theft.

Extend your cover to include our Global Travel option and your bike box will be covered for up to £300 for accidental damage.

Yes, your policy will cover you for 30 days in the EU as standard, with the option to extend to annual worldwide cover (maximum 60 days per trip).

Please note that the Cycle Rescue cover, Claims Bike Hire and Public Liability cover option only applies to the United Kingdom. Public Liability cover is excluded from North America.

When your electric bike is within the direct boundaries of your insured location (where your insured bike(s) is usually kept, which should also be your main place of residence), and if it is not being stored in a fully enclosed and locked building or cycle storage unit, your bike needs to be locked to an immovable object through the frame of the bike, with an approved lock.

If the bike is stored in a communal hallway it will only be covered if the hallway is on the same floor as your insured location and, again, your bike needs to be locked to an immovable object, through the frame of the bike, with an approved lock. The same lock requirements apply if your bike is stored in a “Communal Cycle Storage Area”.

When you are away from the home, such as at a campsite, you would be able to lock the bike to an immovable object with an approved lock, through the frame of the bike and leave it unattended for up to 24 hours.

Yes, we can cover e-bikes and electric bikes stored in a “Communal Cycle Storage Area”, providing they are locked through the frame to an immovable object with an approved lock.

We class a Communal Cycle Storage Area as: a fully enclosed residential cycle parking specific compound that is securely locked (only accessible through a lockable entrance which can only be opened by key or access code) and specifically dedicated to your insured location.

Yes – the requirements are quite specific in terms of types of locks and security devices. For more details, see our policy wording or website for our lock requirements.

It is a condition of your insurance that you use an approved lock appropriate with the value of your electric bike. You can find our approved locklist which details our requirements here. Our approved lock list has been created to make sure that the best level of defence is being provided against cycle theft. When the lock is in use, it must be placed through the frame of your bike and secure the bike to an immovable object.

For your e-bike to be covered and for any claims to be successful you must make sure that the lock that you are using is in-line with our approved lock list and the security requirements.

Making a claim with cycleGuard

We’ve made making a claim so easy

If your e-bike has been stolen or damaged, we know how distressing it can be. That's why we'll do everything possible to deal with your claim promptly and get you back out riding again. Our easy-to-use claims process is listed below with some helpful information regarding what to do if you need to make a claim.

1. Call the police

If youve been the victim of theft or malicious damage to your e-bike, your first port of call should be to inform the police.

2. Contact our claims team

Contact our in-house UK team to make your claim. You can call us on:
0333 004 3444 to get started, or alternatively, you can email us with details of your claim at: claims@guardcover.co.uk

3. Make your claim

We'll provide you with your claim reference and talk you through the next steps. Should we need any further information to help process your claim, we can explain what's needed and support you.

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Your policy document explorer

Take a moment to explore the details of your cover in the policy documents below.

Existing customers

If you have an existing policy with either: cycleGuard for kids, TriathlonGuard, British Cycling or Evans Cycles, then you can contact our team for information on your policy.

You can email us at: support@guardcover.co.uk or call us on: 0333 004 3444

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