Do e-bikes require different insurance coverage?

Yes. Electric bikes require e-bike-specific coverage because they are classified differently from traditional bicycles.

With BikeInsure, e-bikes that meet Class 1–3 standards (up to 750 watts and 28 mph pedal-assist) are enrolled in Electric Bike Insure (E-Bike) coverage, ensuring the policy reflects how the equipment is built and used.

E-bikes that exceed these limits — often referred to as "e-motos" — are not eligible for coverage by BikeInsure. These higher-powered vehicles typically have motors above 750 watts, may include throttle-only operation, and can exceed 28 mph without pedaling.

Electric Bike Insure provides replacement-cost value protection for the insured equipment — the e-bike and listed accessories — against accidental damage while riding or in transit, with optional theft protection.

This matters because homeowners or renters policies classify electric bikes as motorized vehicles and are likely to exclude them entirely. A dedicated BikeInsure e-bike policy is designed specifically for electric cycling equipment rather than adapting home insurance coverage.

Coverage applies to commuting, everyday riding, and non-competitive cycling events. Competitive events require Bike Race Insure coverage.

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