E-Bike & Cycle Insurance
Flexible cover for e-bikes, cycles and cargo bikes
We provide specialist and affordable insurance for modern cycling.
From e-bikes and cargo bikes to traditional cycles, our cover includes theft, accidental damage and £100,000 legal expenses as standard. E-bike riders can also choose dedicated battery cover, protecting the battery as a separate asset alongside the bike.
Cargo Bike | E-Bike | Cycle
Looking for commercial insurance? Visit our Business Insurance page.
Why riders choose eavi
When your bike is part of everyday life
Most riders don’t set out looking for specialist insurance. They get here because their bike plays a bigger role than it used to. Whether it’s electric assistance, extra carrying capacity, or simply a bike you care about, insurance should reflect how you actually use it.
This cover is designed for you if:
You rely on your bike for commuting, family trips, or regular journeys
You ride an e-bike, cargo bike, or traditional cycle with valuable components
You want clear protection for theft and accidental damage, not guesswork
You’d rather tailor cover to how you ride than squeeze into a standard policy
Cover designed around how you ride
Built for everyday cycling, not assumptions
Every rider uses their bike differently. Some ride daily, others occasionally. Some rely on electric assistance, others carry passengers or heavy loads. Many simply want reliable protection for a bike they’ve invested in.
Our cover is designed to adapt to how you actually ride, whether that’s on an e-bike, a cargo bike, or a traditional cycle, so you’re not forced into a one-size-fits-all policy.
Protection that recognises modern bikes
More than just the frame
Modern bikes often include high-value components, from batteries and accessories to specialist parts. For many riders, these elements represent a significant part of the bike’s overall value.
Our insurance recognises that, allowing you to protect not just the bike itself but the parts that matter most, with options to tailor cover as your setup changes.
E-Bike Insurance
Confidence for everyday electric riding
What can be included?
- Dedicated Battery Cover
- Public Liability
- Personal Accident Cover
- Accessories
- Replacement Bike Hire
E-bikes make everyday journeys easier, whether you’re commuting, running errands, or riding for leisure. With higher values and specialist components, they also bring different insurance considerations.
Our e-bike insurance is designed to protect against theft and accidental damage, with the option to insure your battery separately so you’re covered for the parts that matter most.
Cover can be tailored to how you ride, giving you peace of mind every time you head out.
What can be included?
- Dedicated Battery Cover
- Public Liability
- Personal Accident Cover
- Accessories
- Replacement Bike Hire
Dedicated battery cover
E-bike batteries are often the most valuable part of the bike and are frequently removed for charging or storage. Many standard policies limit battery cover or only insure it when attached.
Our dedicated battery cover allows you to insure your battery as a separate asset, giving you clearer protection and fewer grey areas if something goes wrong.
Optional cover, available to select during the quote process.
E-Bike Insurance
We now offer highly competitive and bespoke e-bike insurance. Our cover is designed to protect the risks you face. Cover your bike’s battery to ensure you remain ready for adventure.
Cycle Insurance
Protection for everyday riding
Options Include
- Accessories Cover
- Personal Liability
- Accidental Damage
- Theft Protection
Whether you ride for commuting, fitness, or leisure, our cycle insurance is designed to keep you protected on and off the road.
From theft and accidental damage to optional personal accident cover, you can tailor protection around how you use your bike. If you own multiple bikes, discounted options are available to insure them together under one policy.
Options Include
- Accessories Cover
- Personal Liability
- Accidental Damage
- Theft Protection
50% Multi-Bike Discount
If you own more than one bike, you don’t need separate policies for each one.
Our multi-bike option allows you to insure all the bicycles in your household under a single policy.
Each additional bike receives a 50% discount, making it a simple and cost-effective way to protect family bikes, spare bikes, or different bikes used for different purposes.
Cycle Insurance
Your bike deserves the best protection, and we’re here to deliver. Our bespoke bicycle insurance covers everything from accidental damage to theft, so you can enjoy every ride worry-free. Ready to get started?
Cargo Bike Insurance
Extra space deserves extra protection
Cover can include:
- Accessories Cover
- Personal Liability
- Accidental Damage
- Theft Protection
Cargo bikes are increasingly used for family trips, school runs, and everyday errands. With higher values and additional accessories, they often need more considered protection.
Our cargo bike insurance covers theft and accidental damage, with options to protect accessories and, where relevant, electric components, so you can ride with confidence whatever you’re carrying.
Cover can include:
- Accessories Cover
- Personal Liability
- Accidental Damage
- Theft Protection
Cargo Bike Insurance
For everyday use, whether you’re taking the kids to school or heading off to pick up the shopping, we’ll have you covered. Our insurance for family and cargo bikes can be tailored to your specific needs.
Designed for UK-legal bikes
Our insurance is intended for road-legal e-bikes, cycles, and cargo bikes used for everyday riding. If you’re unsure whether your bike qualifies, it’s easy to check before taking out cover. Contact us below.
Get a quick quote
Insure your ride today
Choose the cover that fits your bike and how you ride. Get a quote in minutes and ride with confidence.
Frequently Asked Questions
The FAQ section is designed to guide both individual riders and business customers through the essentials of micro mobility insurance.
What are the main differences between e-bike insurance and regular cycle insurance?
E-bike insurance policies and their pricing are tailored to the specific risks associated with electric bikes. It often includes cover for high-value components such as batteries and motors, as well as higher speeds, heavier gross vehicle weights and potential electrical issues.
Cycle insurance for traditional push bikes generally covers many of the same risks, such as: theft, accidental damage, and liability without need to account these specialised provisions.
What does e-bike insurance typically cover?
Our E-Bike policy provides options to cover:
- Theft .
- Accidental damage repair.
- Battery and electrical components.
- Liability protection for injuries to third parties or damage to their property.
- Replacement bike hire in case of lengthy repairs.
- And an element of Personal Accident cover
Can my home insurance policy provide cover for my e-bike or cycle?
Some home insurance policies may include limited cover for cycles; however, e-bikes often exceed typical cover limits due to their higher value and risk profile. It’s important to review your policy’s specifics or consider separate, dedicated bike insurance. The cover may also exclude theft of damage to the bike when away from the home.
How are premiums determined for e-bike versus regular cycle insurance?
Premiums are generally based on factors such as the bike’s value, location, security measures in place, and the specific risks associated with electric components.
What steps should I follow to make a claim if my e-bike or cycle is stolen or damaged?
Begin by reporting the incident to the police (especially for theft) and obtain a reference number.
Then, contact your insurer with all relevant details and documentation (e.g. photographs, receipts, and the police report).
Following the insurer’s process promptly helps ensure a smoother claims experience.
Do you offer cover for fleets or public hire schemes?
Yes, we have a dedicated team that specialise in tailored insurance solutions for commercial micro mobility operations. Our policies for e-scooter fleets and public hire cycle schemes can include as required:
- Motor traffic public liability.
- Rider general liability.
- Personal accident cover.
- Customisable policies to match the scale and unique risks of your fleet.
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