Electric bike insurance 2025: what does it cover (and what doesn't)?
E-bikes are more expensive, and therefore more attractive to thieves, than conventional bicycles. So many people ask: should you insure your e-bike, and what exactly does this insurance cover?
Electric bike insurance generally covers theft, attempted theft, damage due to a fall or collision, vandalism and sometimes accessories or breakdown assistance. However, normal wear and tear and aging of the battery are not generally covered. For speed pedelecs, insurance is compulsory; for classic e-bikes, it is optional, but strongly recommended.
Written by: Hanna Stevens | October 31, 2025 | Reading time: 4 minutes
More about the author: Hanna Stevens
Hanna is an avid cyclist who loves exploring new routes and sharing her experiences to inspire others to get on their bikes more often.
Key findings
- Insurance required? Only for speed pedelecs
- Coverage: theft, damage, vandalism, sometimes accessories
- Not covered: wear and tear, battery ageing, careless driving
- Average bonus: €80 to €300 per year
- Is a refurbished electric bike insurable? Yes, with proof of purchase and serial number
Why insure your electric bike?
An electric bike costs on average between €1,500 and €4,000 (2024-2025 market).
Loss or theft can therefore represent a significant cost. That's why more and more cyclists are opting for e-bike insurance, even if there's no legal obligation to do so.
Is e-bike insurance compulsory?
| Type of bike | Engine power | Max. speed | Insurance | Legal obligations |
|---|---|---|---|---|
| E-bike | ≤ 250 W | 25 km/h | No | No plate or helmet required |
| Speed pedelec | > 250 W | 45 km/h | Yes | Plate, helmet and insurance mandatory (BE & NL) |
Classic e-bikes are not considered motorized vehicles, unlike speed pedelecs, which are treated like mopeds: they therefore require third-party insurance, a license plate and a helmet.
What does electric bike insurance cover?
| Cutlery | Explanation |
|---|---|
| Flight | Bike stolen in its entirety |
| Attempted theft | Damaged lock or frame |
| Damage | Fall, collision, transport, accident |
| Vandalism | Intentional damage caused by third parties |
| Battery | Theft or accident-related damage |
| Accessories | Optional extras: child seat, anti-theft device, basket... |
| Assistance / troubleshooting | Often offered as an option |
| Legal protection | Sometimes included for road accidents |
Examples of insurers: ENRA, Allianz Direct, Ethias, ANWB and AG Insurance offer similar basic cover, with options such as assistance or accident insurance.
What insurance does not cover
| Not covered | Reason |
|---|---|
| Normal wear | Brakes, tires, chain... |
| Battery ageing | Loss of capacity = normal wear and tear |
| Insufficient safety | No approved anti-theft device (e.g. ART), unlocked room |
| Careless driving | Alcohol, stunts, dangerous behavior |
| Commercial use | Delivery / courier = specific contract required |
Tip: in the Netherlands, use at least one ART-2 anti-theft device (some policies require two).
Battery ageing
A lithium-ion battery maintains its capacity for 500 to 800 charge cycles.
Progressive loss of autonomy is considered natural wear and tear, and is therefore neither guaranteed nor insured.
Practical tip: keep the battery test report (especially for reconditioned models), as some insurance companies may ask for it in the event of a claim.
How is the bonus calculated?
The main factors :
- Bike purchase value
- Age of bike
- Place of residence (higher risk in cities)
- Type of coverage (theft, damage, assistance)
Average premium: €80 to €300 / year
Please note: for older bikes, a depreciation charge applies - reimbursement is not always at new value.
How do I report a theft or claim?
Most insurers require :
- A police report
- Proof of purchase and warranty
- Bike serial number
- Proof of anti-theft device (certificate)
- Photos of damage (if applicable)
Conclusion
E-bike insurance is not compulsory for standard electric bikes, but is highly recommended, given their value and the risk of theft. For speed pedelecs, it is legally compulsory. A refurbished bike with warranty and inspection report, likeUpway's, is fully insurable and offers additional peace of mind.
Steps to follow
- Note and save the frame number
- Keep proof of purchase and warranty in digital format
- Check anti-theft requirements (NL: ART certification)
- Compare insurers for theft, damage and assistance coverage
FAQ
Is e-bike insurance compulsory?
No, only for speed pedelecs (BE & NL).
Does insurance cover wear and tear?
No, normal wear and tear of tires or battery is excluded.
Can I insure a refurbished bike?
Yes, if it has a serial number and proof of purchase.
Do I need two locks?
In the Netherlands, some companies require at least one ART-2 anti-theft device, sometimes two.
Does my home insurance cover theft outside?
Generally not, unless a specific option has been added.