E-BIKE INSURANCE

Protect your ride with electric bike insurance from Laka. 5-star rated bicycle insurance.
Get a quote
E-Biker
Backed by Laka

WHAT IT MEANS
TO BE BACKED BY LAKA

Insurance Flipped

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.

The 80/20 rule

80% of your money goes straight back into the collective: fixing, replacing, helping, whatever. And the other 20% keeps our wheels spinning.

Pack mentality

Being part of Laka means committing to look after yourself and your stuff for the sake of the group. Think team first.

Got your back

When shit does hit the fan, we’ve got you. Claims are handled by experts and usually agreed within a day. With no depreciation or excess.

Never tied down

We're over annual contracts tying you down. And we’re sure you are too. So if you want to leave, you can anytime.

What it costs

Cube Attain GTC Pro - 105 - £1,499
£1000
£3500
£5000
£6
per month
£19
per month
£27
per month
Get a quote

VOTED THE BEST. BY YOU.

Laka's 5-star claims service is an experience so good, you'll actually want to claim.
Voted 'Best Cycle Insurance Provider' for 3 years running.
But don't take it from us. Here's what the collective have to say.
Laka - Winner of Insurance Choice Awards 2020

FAQs

Any questions? Here are some frequently asked questions about e-bike insurance. If you're looking for other stuff about Laka try our Help Center.
  • There are no laws saying you must have insurance for your e-bike if your bike is an Electrically Assisted Pedal Cycle (EPAC). 

    But e-bikes are expensive. So it's worth considering electric bike insurance with Laka. A Laka policy covers your e-bike against theft, accidental damage, and loss should anything bad happen! 

    You'll also get:

    - Travel for 120 days

    - Emergency cash to make things easier after an accident or theft

    - In or on your car cover

    - Legal assistance for pursuing a personal injury case after an accident that wasn’t your fault. Be it a driver or pothole.

  • This depends on your policy and it's worth checking the details. Some home insurance policies will cover bicycles but there are limitations and drawbacks. 

    For example there might be a single-item limit below the cost of your e-bike. You might be looking at hefty excess levels and they might not cover you away from your home. 

    Check out our article on insuring your bicycle on your home insurance for more details.

  • With most e-bike insurance costs will vary dramatically. 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’ll get an instant quote for how much you can expect to pay each month. All we need is the value of your bike. 

    We’ll provide you with a cap price and an expected share. Claims get split with the Laka Collective and divided equally between Laka customers. It’s a fairer way of doing things.

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

    From e-cargo bikes to electric folding bikes, from e-MTBs to electric road bikes, we cover them all! 

    Electric bikes valued between £500 and £15,000 can be insured. And in total you can have up to £32,000 of bikes on your policy. 

    If you have any questions about insuring your e-bike with Laka, contact us.

  • Yes. They're a vital part of an e-bike so it's important to keep them safe.

    Batteries can be vulnerable to theft and accidental damage, so it’s a good idea to make sure it’s protected. 

    Being backed by Laka means all e-bike battery mishaps and malfunctions are covered.

  • Yes! Join the Laka Club and you'll get public liability cover for £1 per month with stacks of great cycling perks too. 

    Laka protects you for up to £2m of cover if you damage someone else's property or injure them whilst riding your e-bike. 

    Just make sure your e-bike is an Electronically Assisted Pedal Cycle (EAPC).

  • If your e-bike is an EAPC, you don't need a license to ride it. You don’t need to insure, register or tax it either. 

    This is great news for cyclists. Taxing, insuring and registering motorised vehicles can cost thousands of pounds. 

    You also aren't required to wear a helmet, though wearing one is good practice and will help keep you safer on the road. 

    If your e-bike doesn’t meet EAPC standards, you'll need to: 

    - Register it with the DVLA

    - Get a driving licence

    - Get it insured 

    - Wear a helmet if you want to ride on a public highway.

  • You can ride an e-bike in the UK as long as you’re at least 14 years of age (though under 14s can ride them off-road).

    Your e-bike also needs to meet specific requirements that make it an Electrically Assisted Pedal Cycle (EAPC). 

    All EAPC bikes are classed as normal peddle bikes and can be used on cycle paths as well as just about anywhere else where pedal bikes are permitted.

    So the rules of owning an EAPC bike are essentially the same as having a regular bicycle. 

    An EAPC is defined as: 

    - Having pedals that can propel it 

    - Showing either the power output or the manufacturer of the motor 

    - Showing either the battery’s voltage or the max speed of the bike 

    - The electric motor must have a max power output of 250 watts and  should not propel the bike when it’s travelling more than 15.5 mph 

    - An EAPC can have more than two wheels (for example, a tricycle). 

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

  • If you’re leaving your electric bike out and about you’ll need to use a Sold Secure Gold lock to be covered by Laka. 

    If you’re not sure whether your lock is a Sold Secure Gold-rated they have a guide on their 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. 

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