Electric Bike Owners: Are Your Bikes Covered By Home Insurance?

Electric bikes are faster than your average bike, increasing the risk of an accident. This means that insurance for electric bikes is often more expensive than insurance for a standard bicycle. It is possible to add electric bike insurance to your home insurance policy, but it may be limited in its coverage. For example, it may not cover the full value of your electric bicycle, or theft away from your home.

Check with your insurer to see if your electric bike is covered as part of your home contents

If you already have a home insurance policy, check with your insurer to see if your electric bike is covered as part of your home contents. Most contents insurance policies that cover bicycles typically have a low cover limit. This means they're unlikely to cover the full value of your electric bicycle. They're also unlikely to cover bicycle theft away from your home. You could find out from your insurer whether you can add bicycle theft away from home as an optional extra to your policy. If so, it could end up costing less than if you were to choose a specialist bicycle insurance policy.

Electric bike insurance covers you against damage and theft of your e-bike. You should be able to add it to your home insurance policy. Electric bike insurance policies usually let you add extra protection, including breakdown cover. This covers your electric bike if you were to break down while riding. Check to see if you get breakdown cover by your home as well as while you're out and about on your bicycle. This helps cover you in case you accidentally run into another person and injure them while you're riding. It also covers you if you cause damage to another person's property. This could be their car, house or another bicycle. Electric bicycles are faster than your average bike, increasing the risk of an accident.

It depends on the insurance company, but you may be able to get a limited amount of coverage for property damage to or theft of an e-bike through your home insurance. However, because electric bikes are so expensive and have many different parts, you may want to consider a standalone e-bike insurance policy or a warranty. Keep in mind that different states have regulations around what constitutes an electric bike — if it has a certain motor it could be considered a motorcycle or moped, which may require a separate insurance policy depending on the state. Also, most standard homeowners and renters insurance policies provide liability protection for incidents arising from using standard bicycles. Yet there is often no liability coverage for eBikes with either homeowners or auto insurance.

Theft of an electric bike may be covered by your home insurance

Whether your home insurance covers the theft of an electric bike depends on your insurance company and policy. While some home insurance policies may cover the theft of an electric bike, others may not.

Most contents insurance policies that cover bicycles typically have a low cover limit, meaning they're unlikely to cover the full value of your electric bike. They also usually won't cover bicycle theft away from your home. However, you could find out from your insurer whether you can add bicycle theft away from home as an optional extra to your policy.

Electric bike insurance policies usually let you add extra protection, including breakdown cover. This covers your electric bike if you break down while riding, and can also cover you if you accidentally injure someone or damage their property while riding your electric bike.

Because electric bikes are so expensive and have many different parts, you may want to consider a standalone e-bike insurance policy or a warranty. Different states have regulations around what constitutes an electric bike — if it has a certain motor it could be considered a motorcycle or moped, which may require a separate insurance policy.

Electric bike insurance covers you against damage

Electric bike insurance policies usually let you add extra protection, including breakdown cover. This covers your electric bike if you were to break down while riding. Check to see if you get breakdown cover by your home as well as while you're out and about on your bicycle. This helps cover you in case you accidentally run into another person and injure them while you're riding. It also covers you if you cause damage to another person's property. This could be their car, house or another bicycle. Electric bicycles are faster than your average bike, increasing the risk of an accident.

Because electric bikes are so expensive and have many different parts, you may want to consider a standalone e-bike insurance policy or a warranty. Different states have regulations around what constitutes an electric bike — if it has a certain motor it could be considered a motorcycle or moped, which may require a separate insurance policy depending on the state. Also, most standard homeowners and renters insurance policies provide liability protection for incidents arising from using standard bicycles. Yet there is often no liability coverage for eBikes with either homeowners or auto insurance.

Electric bikes are faster than average bikes, increasing the risk of an accident

However, you should check with your insurer to see if your electric bike is covered as part of your home contents. You should also be able to add electric bike insurance to your home insurance policy. This will cover you against damage and theft of your e-bike. You could also find out from your insurer whether you can add bicycle theft away from home as an optional extra to your policy.

It's worth noting that different states have regulations around what constitutes an electric bike. If it has a certain motor, it could be considered a motorcycle or moped, which may require a separate insurance policy depending on the state.

Different states have regulations around what constitutes an electric bike

Electric bike insurance covers you against damage and theft of your e-bike. You should be able to add it to your home insurance policy, but it's worth checking with your insurer as most contents insurance policies that cover bicycles have a low cover limit. This means they're unlikely to cover the full value of your electric bicycle. They're also unlikely to cover bicycle theft away from your home.

You can also add extra protection to your electric bike insurance policy, such as breakdown cover, which will cover you if your bike breaks down while you're riding it. This can cover you at home as well as while you're out and about. It can also cover you if you accidentally run into another person and injure them while you're riding, or if you cause damage to another person's property.

Frequently asked questions