E-bike insurance

What’s important to you? Getting to and from work on two wheels, or getting to the top of a mountain bike trail quickly so you can challenge yourself on the trails all over again?

Whatever you use your e-bike for, get the right bicycle cover to suit your riding style. Choose from three cover options and add extras if you want them.

With Direct Line Cycling Insurance, you’ll only pay for what you need. Nothing more.

Bicycle Cover

Cover against theft, accidental or malicious damage to your bike and accessories.

Cyclist Cover

Public liability cover against damage or injury caused by you.

Bicycle & Cyclist Cover

Cover against theft or damage to your bike and accessories, plus public liability for you.

Why get cycling insurance for your electric bike?

From beginners to experienced cyclists, we all have different needs and expectations when it comes to our bikes.

It’s the same for bicycle insurance. Even if you’ve added your e-bike to your home contents insurance, it may not be covered while you’re out and about.

Check your existing home contents insurance policy to see whether it covers you for:

  • Accidental damage while you’re cycling or taking part in a cycling event
  • Loss or theft away from your home, including your e-bike battery
  • Malicious damage
  • Taking your e-bike abroad
  • Replacement bike hire
  • Taxi fare reimbursement
  • Cycling accessories, including personal gear and additional wheel sets
Specialist cycling insurance means your claim will be handled quickly by a knowledgeable and experienced cycling insurance team – just what you need to help you get back on the road.

Why choose Direct Line for your e-bike?

It takes a fellow rider to understand just how important your wheels are. That's why many of the Cycling Insurance team love to get outside on their bikes, too.

They’ll also aim to resolve your claim within one working day. Nobody likes waiting, so once they’ve got all the information they need, they’ll get you back on your bike as soon as possible.

With Direct Line Cycling Insurance, you’ll get cover for:

  • Accidental or malicious damage
    If something happens while you're out cycling, your bike will either be repaired, or the damaged parts will be replaced.
  • Theft (from your home or away)
    As long as you've secured your bike with an approved lock and followed the required security measures, your bike will be covered against theft.
  • Theft from a roof rack or trailer
    Provided it hasn't been left unsecured or unattended (see approved locks for more information).
  • Reimbursement for cycle hire and transport costs
    If your bike's out of action, you'll need some wheels to get around on - especially if you're training for an event. That's why you'll get up to £500 to hire a suitable replacement, or to cover your transport costs while your bike is being repaired or replaced.
  • Onward travel
    If your bike's stolen or you've had an accident and can't cycle, you'll be reimbursed the cost of your taxi fare to get yourself and your bike home, to the nearest station or bike repair shop – whichever is closest.
  • Roof rack and transit cover
    Your bike is covered for any damage caused while you're transporting it securely.
  • Multi-Bike Discount
    If you've got another bike worth over £250 to insure, save money by adding it to the same policy. The more bikes you insure, the more you'll save, with 10% off your second bike and 15% off three or more bikes. The most valuable bike will be counted as the first bike on your policy, so discounts will apply to each bike thereafter. Excludes optional extras.
  • New for old replacement
    If you need to claim for a total loss of your bike due to theft or irreparable damage, we'll replace your bicycle with a comparable make/model up to your benefit limit, if you bought it new. If your e-bike is second-hand or discontinued, we'll reimburse you for it's current market value, subject to depreciation.
  • Your cycling kit
    You'll get up to £250 cover for your cycling kit, which includes accessories, clothing, helmets, GPS, additional wheelsets and your bike box. Please note, this cover is only valid as part of a larger claim for damage or theft of your bicycle. So, if your helmet is stolen from your bag, it's not covered. If it's damaged in an accident which also damaged your bike, it will be covered.
  • Cycling gear worth over £250
    If your kit is worth more than £250, just let us know how much it's worth when you get a quote, and we'll include the extra cover in your premium. We can insure your cycling accessories up to the value of £5,000.
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Get the most from your electric bicycle insurance

Which e-bikes are covered?

We insure a range of electric bikes for a range of cycling activities, at home or abroad. So, whether you use it for your daily commute or take your e-bike off-roading at the weekends, we’ve got you covered.

  • Electric commuter bikes
  • Electric hybrid or leisure bikes such as cruisers
  • Electric mountain and downhill bikes
  • Electric road bikes
  • Electric gravel bikes
Get a quote

Travel insurance for your e-bike

Thinking about taking your e-bike on holiday with you? Your bike and cycling accessories may not be covered under general travel insurance.

If you travel with your electric bicycle several times a year, get cover for your bicycle and your kit by adding Travel Cover to your policy.

For one-off cycling adventures, you can simply add Travel Cover to your policy. Just let us know and we’ll extend your bicycle and accessories cover worldwide for up to 365 days in any 12-month period, limited to 90 consecutive days per trip.

Need cyclist insurance, too?

It’s not just your wheels and your kit that matter, make sure you’re covered for accidents and injury to yourself, too. Our Bicycle & Cyclist Cover includes cover for:

  • Public liability cover as standard
  • Optional personal injury cover
  • Optional emergency medical cover, including dental care, optical care and physiotherapy
  • Theft or accidental damage of your bike
  • Theft or damage to your cycling gear

Keep your e-bike safe

Any bicycle theft claim you make is subject to specific security conditions, so make sure you follow the required security measures. Your claim may be rejected or not fully paid if you don't use the correct approved lock for the value of your bike and store it safely and securely.

Learn more

Cycling insurance tips, FAQs and policy documents

Take a look at the Cycling Insurance policy documents:

Need more help?

You can make changes to your policy online, claim online or ask our virtual assistant.

Contact Us Claims

If you’d rather talk to us, just give us a call (includes Typetalk and sign language services). We can help you choose the right kind of cover.

Call us

Frequently asked questions

Your battery will only be covered if it’s involved in the same incident as the bike, so if your whole bike is stolen, or you had an accident and damaged the battery as well as the bike. Unfortunately, if someone steals just your battery, it won’t be covered.
Direct Line Cycling Insurance covers electric ‘pedal assist’ bikes with up to 250 watts of a max output of the motor and a top speed of 15.5 miles an hour. This doesn’t include bicycles fitted with internal combustion engines or other sources of power assistance. Your e-bike must have been specifically manufactured as an e-bike, not a retrofitted road or mountain bike.
Home contents insurance often has limitations regarding your bike’s value and the circumstances under which it’s covered (usually just while it’s stored at your home). With Direct Line Cycling Insurance, you can get cover for accidental damage or theft while you’re out riding or taking part in events.

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