Protect your E-Bike with insurance coverage.

E-Bike Insurance - Couple with Helmets Riding Bike at Down a Main Street of a Beach Resort While on Vacation

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E-bikes make it easy to get up and go, and with the right e-bike insurance policy, you can make sure your family is protected and you have peace of mind.

Protect your E-bike with insurance coverage.

While regular pedal bicycles are typically covered under a standard home insurance or renters insurance policy, e-bikes are typically excluded from coverage (both liability and property) under such policies on the basis that they are motorized. A recent study done by LEVA (Light Electric Vehicle Association) estimates annual e-bike sales will soon pass one million units, outpacing sales of electric and hybrid vehicles. The popularity of E-bikes in our area can be seen at the local beaches from Oceanside to Del Mar and daily while people travel to and from work and school.

E-bike insurance helps bring you peace of mind.

With E-bike Insurance you can protect riders as young 11 years old with coverage like what you would find on auto or motorcycle insurance policies. This includes liability insurance, which may cover the cost you pay to other people after an accident that’s your fault.

Is your E-bike covered from theft?

Your E-bike insurance policy may include coverage for theft, whether it’s at home or elsewhere subject to a deductible. E-bike deductibles can be as low as $250 and can include coverage for accessories installed on the bike.

What is uninsured/underinsured motorist coverage?

If an uninsured or underinsured motorist causes an accident when you are on your E-bike, uninsured/underinsured motorist coverage may compensate you for bodily injuries and lost wages.

What do collision and comprehensive coverage offer?

E-bike collision coverage may payout to repair or replace your E-bike after a crash, even if it’s deemed your fault. Meanwhile, comprehensive coverage adds in coverage for your bike being stolen, vandalized, or damaged by fire.

E-bike Class Information

Class 1: A low speed pedal-assisted electric bicycle equipped with a motor which provides assistance only when the rider is pedaling and ceases to provide assistance when a speed of 20 mph is reached. Helmet required for 17 and under.

Class 2: A low speed throttle-assisted electric bicycle equipped with a motor used exclusively to propel the bicycle and NOT capable of providing assistance when a speed of 20 mph is reached. Helmet required for 17 and under.

Class 3: A low speed pedal-assisted electric bicycle equipped with a speedometer, and a motor which provides assistance only when the rider is pedaling and ceases to provide assistance when a speed of 28 mph is reached. Helmet required for ALL ages.

The operator of a Class 3 electric bicycle:

  • Must be 16 years or older.
  • Must wear a bicycle safety helmet.
  • Must not transport passengers.
  • May ride an electric bicycle in a bicycle lane if authorized by local authority or ordinance.

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Contact Ken May Insurance Services

Our Carlsbad, CA Office

3146 Tiger Run Court, Suite 114
Carlsbad, CA 92010

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