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HomeBicycle InsuranceInsurance for Electric BicyclesUrban E-Bikes as Transportation

Urban E-Bikes as Transportation

Are E-bikes a Viable Option?

Electric bikes, or e-bikes, are bicycles that are equipped with an electric motor and a rechargeable battery. The motor provides pedal assistance to the rider, making it easier to navigate hills and travel longer distances without getting as tired as on a traditional bicycle.

As e-bikes gain popularity as a transportation option in urban environments, it is important to consider the potential benefits and drawbacks and the necessary precautions to take, such as purchasing bike insurance. Here, we'll explore the benefits and drawbacks of using urban e-bikes, including the importance of purchasing bike insurance.

Benefits of E-Bikes for Transportation

Urban e-bikes offer a number of benefits for urban transportation that make them an attractive option for individuals and policymakers alike. Firstly, e-bikes produce zero emissions, making them an environmentally friendly choice that can help reduce carbon emissions and air pollution.

Urban e-bikes are also a cost-effective transportation option, requiring minimal maintenance compared to cars or motorbikes and mopeds. This is particularly true when bicycle insurance is included, as it is often significantly cheaper than car insurance. E-biking can improve riders' health and fitness outcomes, as it provides a low-impact form of exercise that can be incorporated into daily routines.

E-bikes also offer greater flexibility in terms of route options and travel times, as riders can navigate through traffic more easily and avoid congestion or delays associated with public transportation. All in all, these benefits make urban e-bikes an appealing option for urban transportation.

Challenges and Drawbacks of E-Bikes

While urban e-bikes offer numerous benefits for urban transportation, there are also some challenges and drawbacks to consider. One of the primary concerns is infrastructure and safety. E-bikes require bike lanes and other accommodations in order to be safely integrated into urban transportation systems.

Without proper infrastructure, e-bike riders may be at risk of accidents or collisions with other vehicles on the road. Additionally, urban e-bikes can be valuable assets and are often targeted by thieves, requiring additional security measures for riders.

While urban e-bikes offer many benefits for urban transportation, it is important to consider these challenges and work to address them in order to ensure safe and widespread adoption of this technology.

What Does Assetsure Bike Insurance Cover?

When it comes to urban transportation on e-bikes, having insurance is an important consideration. Assetsure Bicycle Insurance offers a range of coverage options to protect both you and your bike. It is worth mentioning, that the only form of E-bicycles that Assetsure can cover are those that fall under the governments EAPC rules- Click here to learn more about these.

Accidents can happen, and the policy can cover damage caused by accidents or with third parties. In addition, if your bike needs repairs or replacement, the policy includes the option to hire an alternative cycle while you wait for your e-bike to be fixed.

Legal disputes are also covered, with up to £100,000 available for legal expenses. The in-house claims team can help you get back on the road quickly. Bicycle theft is also covered, with a new-for-old replacement policy available up to your chosen sum insured. Its thus important to insure your bicycle for the full replacement cost.

Accidental damage or theft of any Cycle Box is covered up to £500, and Assetsure will attempt to recover any excess paid from the other party's insurer if you are involved in an accident with a third party. With this comprehensive coverage, urban e-bike riders can have peace of mind as they navigate the busy city landscape.

Key Takeaways and Future Directions

Urban e-bikes offer a promising alternative to traditional modes of urban transportation, with benefits including reduced carbon emissions, cost savings, improved health outcomes, and increased mobility. However, there are also challenges and drawbacks to consider, such as infrastructure and safety concerns, and theft and security issues.

It’s important for individuals to take precautions such as purchasing bike insurance and securing their urban e-bikes to ensure their safety and protection. For instance, purchasing an approved lock for when you leave your bike unattended. By taking these precautions and purchasing comprehensive bicycle insurance with Assetsure, you can ride your bike with confidence and peace of mind knowing that you are fully covered.

Remember- Make sure you e- bike is covered under the UK Government definition of an EAPC, it does not , Assetsure will be unable to cover you.

Why choose our specialist insurance cover?


Lloyd's of London coverholders icon-thin-chevron-down

We hold prestigious Lloyd’s of London cover holder status where most of our policies are underwritten. We also place business with major UK insurers


Accidental Damage & Theft Included icon-thin-chevron-down

The two “must have” covers are both included in our policy. Loss of your cycle by “Theft” is provided at, and away from your home.


Legal Expenses - Included icon-thin-chevron-down

We provide £100,000 of cover. This is essential for persons using their cycle on busy roads and can help with making a claim for injury or damages against a third party.


Replacement Cycle Hire - Included icon-thin-chevron-down

Ideal if you need your cycle to travel to work or to take part in an event such as Cyclo-Cross or a Triathlon and your own cycle is unavailable following theft or damage.


Accessories, Helmets & Clothing - Included icon-thin-chevron-down

Inclusive insurance for your cycle accessories or specialist helmets & clothing. You can increase the sum insured limits if required


Public Liability - Optional icon-thin-chevron-down

Protects you against claims from a third party which could include; a pedestrian, another cyclist or a motorist. Choose from either £1 million or £2 million cover


Personal Accident - Optional icon-thin-chevron-down

Provides you with a capital sum if you are involved in a serious accident whilst using your cycle. You can choose a level of cover to suit your needs.


Competition Use - Optional icon-thin-chevron-down

You can extend your policy to include cover whilst using your cycle to take part in competitions such as cyclo-cross or triathlons