Electric bike insurance

While it is not necessary to have special insurance for your electric bike today, it is possible to subscribe to various additional insurances to cover risks such as damage or theft.

Liability insurance is sufficient

If it is in accordance with applicable law,

Hence, it does not need to be insured and it is your liability insurance that will cover the damage you might cause. This liability insurance is included in your comprehensive home policy.

Warning: if you are not insured from liability insurance, be sure to get it! Otherwise, you will have to personally take over the repair of the damage caused by you in the event of an accident!

Likewise, if your electric bike exceeds 25 km / h in assist speed and 250 watts of engine power, it falls under the so-called moped legislation. Stricter restrictions: registration, helmet wearing and compulsory insurance.

Theft and damage: additional insurance

While your liability insurance will be able to cover your personal and third party damage, it will not cover damage that your electric bike may suffer. Ditto for theft.

To take advantage of more complete coverage, you will need to sign up for so-called "supplemental" insurance, which will cover all or part of your electric bike in the event of theft or damage. For this reason, some insurers offer bundled e-bike contracts.

As with any contract, of course, do not forget to read the coverage terms and conditions to avoid any unpleasant surprises when declaring!