ELECTRIC BIKE INSURANCE

Insurance for the e-bike revolution.

E-bikes are changing the way we ride - for the better. But they can also come with a hefty price tag.

If your electric bike gets stolen or damaged, you would have to fork out the cash to get riding again.

But specialist e-bike insurance can protect you. Our 5-star rated electric bike insurance can cover you against theft, accidental damage, and loss, so you can ride your electric bike carefree.
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E-Biker
Backed by Laka
COMPLETE
CORE
Theft
At home and on the go - including mugging or from a vehicle. Your bike, gear & accessories replaced with the latest model.
Crash & Accidental Damage
You’re covered for any accidental damage to your bike and accessories. And if someone intentionally breaks your gear, we'll get it fixed or replaced pronto.
Roadside Recovery
We include £200 'get you home cash' to make life easier after an accident or theft. Might be a temporary rental bike, taxi, or train.
Licensed Racing
For races which require a valid racing licence. Typically road, criterium, circuit, & cyclocross racing.
Worldwide Travel
Global cover for up to 120 consecutive days. If you’re planning to travel for longer, let us know and we’ll look at your options.
ALWAYS INCLUDED
Sportives & Events
Includes sportives, club rides and similar events. It also includes racing that doesn’t require a racing licence, such as triathlon, gravel and time trialling. So events like RideLondon, the Dirty Reiver or your local Audax are all covered.
£0 Excess
No excess to pay on bike claims. Excess is the amount it ‘costs’ to make a claim, insurers normally deduct this from any payouts.
Bike Rental
To keep you cycling - whatever happens. You’ll get up to £200 towards the rental of a bike whilst you’re awaiting the fulfilment of a claim.
Multi-Bike Discount
Get a 50% discount on any extra bikes that are in the same household and used by family members.
Legal Assistance
Cover for legal costs for pursuing a personal injury case after an accident that wasn’t your fault when cycling. Be it a driver or pothole.
Third Party Cycling Liability Insurance
Comprehensive cover for personal liability when you're out cycling. Protect yourself in case you cause an accident, resulting in expenses, harm or damages.
Cycling Discounts
Sweet discounts on cycling gear and goodies. From locks and lights to navigation and nutrition. Grab the promo codes from your account area.
ADDITIONAL PRODUCTS
Health & Recovery
Accident & injury insurance that focuses on keeping you riding.
QUOTE
QUOTE
COMPLETE
CORE
Theft
Crash & Accidental damage
Roadside recovery
Licensed Racing
Worldwide travel
ALWAYS INCLUDED
Sportives & Events
£0 Excess
Bike rental
Multi-bike discount
Legal assistance
Third Party Cycling Liability Insurance
Cycling discounts
QUOTE
QUOTE
ADDITIONAL PRODUCTS:
Health & Recovery

WHAT IT MEANS
TO BE BACKED BY LAKA

Fair, not fixed

We won't charge you a fixed sum. Instead we calculate your monthly contributions - up to a max capped amount - based on The Collective's claims.

Top notch claims experience

When shit does hit the fan, we’ve got you. Claims are handled by experts with no depreciation or excess on bike claims.

Never tied down

We're over 12 month contacts. Meaning if you want to upgrade, add travel / racing, or pause you can. Anytime.

VOTED THE BEST CYCLE INSURANCE PROVIDER. BY YOU.

FOr 6 years running

Laka's 5-star claims service is an experience so good, you'll actually want to claim.
Voted 'Best Cycle Insurance Provider' for 6 years running.
But don't take it from us. Here's what the collective have to say.

FAQs

Any questions? Here are some frequently asked questions about insuring your e-bike. If you're looking for other info about Laka try our Help Center.
  • E-bikes are classed as Electrically Assisted Pedal Cycles or EAPCs in the UK. This means there are no laws that say you need insurance, unlike a moped or motorbike. For more information, check out our guide on e-bikes and the law.

    However electric bikes can be expensive, so fully protecting yourself is a smart idea. With Laka, you'll get full coverage against theft, accidental damage, and loss should anything bad happen.

    Also, our e-bike insurance covers you against any battery mishaps. Be it a stolen battery, or an e-bike battery that doesn't work as it should.

    You'll also get travel cover, emergency cash, and legal cover included.

  • Not all insurance policies are equal. Especially when comparing specialist bicycle insurance and home insurance.

    You might be able to add your electric bike to your home insurance policy but there will likely be limitations and drawbacks. Claiming can often come with a hefty excess, impact your no-claims bonus, or increase your premium. You should also check your policy wording for the details of what is and isn’t covered.

    For the full debrief check out our guide on
    Bicycle Insurance vs Home Insurance.

  • Your quote from other traditional insurance companies can vary a lot. Where you live, the crime rate in your area, the type of e-bike you own, and how much it’s currently worth will all impact your quote.

    With Laka you can get a quote in an instant. All we need is the value of your e-bike.

    We'll show you an expected cost and a cap. We do things differently here. Claims get split with your fellow Laka Collective, and divided equally amongst customers. It's a fairer way of doing things.

    For more information, check out our article on fairer pricing in insurance.

  •  We cover all Electrically Assisted Pedal Cycles (EAPCs).

    From e-cargo bikes to electric folding bikes, from e-MTBs to electric road bikes.

    We also include a multi bike discount for covering more than 1 bike with Laka.

    E-bikes valued between £300 and £15,000 can be added to your insurance policy. And in total you can have up to £32,000 of cover on your policy.

    If you have any questions,
    contact us.

  • Yes. E-bike batteries are vital to your bikes performance, so it's important to make sure they're protected.

    Electric bike batteries can also be vulnerable to theft or damage, so it's an important part of our electric bike insurance.

    We can also cover all of your clothing and accessories too. When joining you'll see how to list these.

  • If your electric bike is an Electrically Assisted Pedal Cycle (EAPC), you don't need a licence to ride it. There's also no need to register, insure, or tax it either.

    It's great news for cyclists. The running costs, along with tax, insurance, and registration costs of running a motor vehicle or motorbike can cost thousands of pounds.

    You also don't need to wear a helmet when riding your e-bike. Although it's good practice to wear one and will help keep you safer on the road.

    If your e-bike isn't classed as an EAPC you'll need to: register it with the DVLA, get a driving licence, get it insured, and wear a helmet if you're riding on a public highway.

    To find out more, check out our guide on
    e-bike laws.

  • Your e-bike is legal in the UK if it meets the requirements that class it as an Electrically Assisted Pedal Cycle (EAPC). As set out by UK law.

    All EAPCs in the UK are considered normal bikes, and can be used anywhere that a standard bike is permitted. Be it on the road, or on a cycle path.

    An EAPC has: pedals that can propel it, shows either the power output or the manufacturer on the motor, and shows either the voltage of the battery or the max speed of the bike.

    There's also restrictions on the electric motor of your e-bike. To be an EAPC it must have a power output equal or under 250 watts and shouldn't give assistance when travelling over 15.5 mph.

    There's no age limit on who can ride an electric bike off road. But you must be at least 14 years of age to ride them on a public highway in the UK.

    If you have any questions about your electric bike,
    contact us.

  • To be covered by Laka you'll need to use a Sold Secure Gold lock or better.

    To find out if your lock is Sold Secure Gold-rated, you can view
    this guide on the Sold Secure website

    We also find the
    best deals on Sold Secure Gold locks from around the web. To give you a little extra help when choosing the right bike lock for you. 

    E-bike battery theft is super common too! You don’t need to lock your electric bike battery to be covered by Laka. Although it’s good practice to use a built-in lock. If not, perhaps remove the battery and take it along with you.

    If you need any help with locking your electric bike,
    contact us.