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Insuring Your eBike

eBike Insurance

The electric bike is a new area of coverage for insurance companies in the US and Canada.  Your homeowners, renters, or auto insurance plans may or may not cover your electric bike if you have an accident or cause damage. This applies to all classes of eBikes including electric cargo bikes used for delivery business (covered under business insurance).  

We encourage you to do your homework and therefore recommend some good resources to make informed decisions on eBike insurance coverage.  Note that Wheel & Sprocket has no financial interest in these companies but we think they have some of the best information around:

  • Spoke Insurance.com (link to eBike insurance information and quote)

https://www.spokeinsurance.com/

  • Markel Insurance (Bike insurance underwriter) 

https://www.markelinsurance.com/bicycle/resources/electric-bikes

Buying insurance is buying defense in case of an accident.  Check with your insurance company whether your homeowners, renters, or auto plan has both property and liability coverage for your eBike--don’t assume that they do!