The Ultimate Guide to E-bike Insurance

Here’s everything you need to know about insuring your e-bike with Sundays.

Why Do I Need E-bike Insurance?

Whether your e-bike is worth £500 or £5,000, if it’s stolen or damaged you’ll find yourself digging pretty deep into your pockets to replace the damaged parts or the entire e-bike.

You may think it’ll never happen to you and you might be right - until it does.

E-bikes are becoming a more and more popular choice across the UK and the world for commuters. What’s not to love? You get to your destination faster and with less physical effort and without the extra weight of items (like a change of clothes, your laptop, or groceries) making your ride more strenuous.

If you’re having a good day and feeling strong, you can also turn off the pedal assist and enjoy a commute that doubles as exercise.

The downside of commuting by e-bike is that there are only a lucky few who have indoor parking or secure parking for e-bikes and bicycles at their offices. For most people, you’ll need to lock up your e-bike and leave it unattended for a full work day, five days a week.

The unfortunate reality is that e-bikes are expensive and in extremely high demand - making them a perfect target for criminals. Even if your e-bike is securely locked up and can’t be stolen without specialised tools, expensive components like your battery can be stolen very easily.

That’s where Sundays bicycle insurance for e-bikes comes in to save the day.

Not only will your e-bike be covered while it’s locked up outside your office (or anywhere else in UK, for that matter), it’ll also be covered for malicious damage - for example, if a thief tries to steal it, fails, and ends up damaging it instead.

If you’re the kind of person who has funds readily available without causing too much of a dent in your bank account, then self-insuring is always an option. But life has a tendency of happening when we’re least prepared for it, and any number of unexpected costs or emergencies could pop up and deplete your funds.

At its core, that’s the true value of insurance: being able to carry on with your life with the peace of mind of knowing that if the worst happens, you won’t be left high and dry without your ebike or the funds to replace or repair it.

Will Home & Contents Insurance Cover my E-bike?

Glad you asked, we get asked this question frequently!

Depending on your policy details, your home & contents insurance may cover your e-bike - but make sure you read the fine print so you know exactly what’s covered (and more importantly, what isn’t).

Here are a few questions you can ask your home & contents insurer to get a better idea of how comprehensive your cover is when it comes to your e-bike:

• Is my e-bike covered outside the home and in another country?
• How much will you increase my premium if I claim?
• Do you cover my e-bike while it's being transported on my bike rack?
• Is my e-bike covered while in use during races & events?
• Is my e-bike covered for accidental & malicious damage?

Our specialist bicycle insurance for e-bikes is designed with cyclists in mind: we’re deeply familiar with how cyclists ride, where they ride, and what kinds of risks they face when they’re out on the roads.

How Much Will it Cost to Cover my E-bike?

Every cyclist is unique, so we can’t say how much it’ll cost on an individual basis. We calculate your premium based on a number of different factors that include:

• Your area (we’ll look at statistics like the crime rate)
• Your e-bike (it goes without saying that a brand new, top-of-the-range e-bike will be more expensive to cover than a low-end e-bike)
• The current market value of your e-bike (if you bought it used or it’s a couple of years old)
• Whether you activate optional cover options, like worldwide travel.

Curious to see how much it’ll cost to cover your e-bike? Click here to get a quote and find out.

What Sundays eBike Insurance Covers

Here at Sundays, we love cycling in all its forms and we believe in the power of e-bikes, whether you're using it to explore further than ever before, commute, or to simply get back in the saddle after a long time off or injury.

This incredible technology is improving all the time and we want to give our riders the confidence to enjoy it to the max.

Here are some of the cover benefits of Sundays bicycle insurance for e-bikes:

Accidental damage

Whether it's a high-speed crash or a coffee stop tumble, we’ll get you back on your bike either by repairing your bicycle or replacing the damaged parts.

Theft from and away from home

Getting your bike stolen is just about the worst thing that can happen, but don’t worry - we cover theft from and away from your home.

Domestic travel with your bicycle

Entrusting transport of your bicycle to an airline, ship, train, or truck while you’re travelling? No stress. We can cover your bicycle for loss or damage in transit anywhere in the UK.

Transporting your bicycle on a bike rack

If you regularly transport your bike on your roof, chances are that someday you’ll forget your bike is there while driving into your garage. Oops. Don’t worry, we cover your bicycle when you transport it on your car.

Malicious damage

If you lock your bike up and return to find it has been damaged, either by a vandal or by a thief trying to steal it, we’ll cover the costs to repair it to its previous condition.

Replacement bicycle hire reimbursement

We’ll reimburse you up to £500 for bicycle hire while you await the repair or replacement of your bike, arising from an approved claim.

New for old

If your beloved machine is pinched, we’ll cover your bike new for old. Remember to keep your proof of purchase info, we’ll need it for your claim.

Optional accessories & cycling apparel

We love upgrades, gadgets and accessories as much as you do. Insure custom parts fitted to your bicycle, (such as upgraded carbon handlebars or a dropper seatpost), accessories (such as your cycling kit, GPS, or headlight) up to the value of £5,000. You can also cover the kit you’re wearing while you ride.

Optional racing cover

Select racing cover to insure your bicycle if the damage is caused by a specific incident, crash, impact, or road hazard while taking part in a race or event. You don’t have to choose it and pay for it if you don’t want your cover to extend to races.

Optional worldwide cover*

Travelling outside of the UK with your bicycle? Add our optional worldwide cover to extend your cover for up to 90 days abroad. Enjoy stress-free travel with your bicycle covered for loss or damage en route to your destination. *Exclusions apply

Optional extra wheelsets

One set of hoops for racing and another for training? Add additional wheelsets to your policy so you can swap your wheels to suit your ride with total peace of mind.

Click here for a super-fast, obligation-free online quote to get your e-bike covered.

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