Does my eBike need a separate bike insurance policy?
Yes! Today's eBikes need a specialty insurance policy. The BikeInsure plan covers eBikes at no additional cost.
BikeInsure is a separate insurance policy designed specifically for bicycles and eBikes. Unlike homeowners' insurance policies that likely exclude electric bikes due to their classification as motorized vehicles, BikeInsure covers the "3-Class eBike standards."
- Class 1: eBikes that are pedal-assist only, with no throttle, and have a maximum assisted speed of 20 mph.
- Class 2: eBikes that also have a maximum speed of 20 mph, but are throttle-assisted.
- Class 3: eBikes that are pedal-assist only, with no throttle, and a maximum assisted speed of 28 mph.
All classes limit the motor's power to 750 Watts.
In addition, BikeInsure provides reimbursement for repairs to your eBike and listed accessories due to accidental damage when riding. Coverage continues during the transit of the electric bicycle and extends to a stolen eBicycle when optional eBike theft insurance is selected.
Click here to review the "Guide to America's Best eBike Insurance."