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, eBikes 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 eBike that you and your family are looking to insure. Find out more about the type of eBikes that you can include on your policy here.
Over 20 years of Guardcover, supporting your passion
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.
Your online account is an easy way to access and manage your policies 24/7.
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.
Theft and Accidental Damage
Had a bump or a scrape on your electric 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 eBikes up to £20,000. Security and lock requirements apply.
What happens if your electric bike breaks down?
If your eBike ‘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.
New for Old Cover
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 eBike 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 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.
Personal Injury - Taken a corner or a trail too quickly and need support to get back on your electric 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 eBike 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 electric bike cover?
If you’re wondering what our electric bike insurance includes, then we've answered a few questions here!
Can I get insurance for an electric bike?
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.
Do electric bikes need insurance?
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?”
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.
Can electric bikes be used for commuting?
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.
How old do you need to be to get eBike insurance?
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.
How long does the battery charge on an electric bike last for?
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.
How does Cycle Rescue work?
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
Do you cover motorcycles, e-scooters, scooters, speed-pedelecs or speed eBikes?
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?”
What is Public Liability insurance for eBikes?
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.
Can I cover more than one bike on a policy?
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: email@example.com
Am I covered if I lend, loan or hire my electric bike to another person?
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.
What value should I insure my eBike for?
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.
What is the maximum value of eBikes you insure?
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: firstname.lastname@example.org
Do you only cover UK residents?
Yes. You must be a UK resident and domiciled in the UK.
Is there an excess on this policy?
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.
Can I add or make changes to the policy at any time?
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.
I don't have receipts for all of my eBike parts and accessories. How can I prove ownership?
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.
I have previously made a claim. Will this affect my cover?
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.
Making a claim with cycleGuard
We’ve made making a claim so easy
If you've suffered damage to or theft of your eBike, 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 cycling 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 you’ve been the victim of theft or malicious damage to your eBike, 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 1999 to get started, or alternatively, you can email us with details of your claim at: email@example.com
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.
Your policy document explorer
For customers whose policy started before 1st January 2021, you can access your policy documents here.
You can email us at: firstname.lastname@example.org or call us on: 0333 004 3444
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