From the moment you decide to make your trip with your electric bike, you must respect the Highway Code, like the other players on this same road that everyone shares. The electric bike can go up to 25 km/h and is therefore required to comply with the highway code. The driver of an electric bicycle can also be responsible for a road accident, or even be part of one. Driving an electric bike is therefore not trivial and it is important to Find out if bike insurance is mandatory when riding an electric bike, and if so, how much can it cost? Focus on bicycle insurance.
TOP 5 of the best bikes of the moment:
- E-Bike tout terrain Colorway
- Hitway electric mountain bike
- Electric city bike Moma bikes
- Nakamura city electric bike
- Riverside electric mountain bike
Do you need insurance for your bike?
Insurance is only an obligation in certain cases.
- FEET (Bike with Electric Assistance ) whose power does not exceed 250W, and speed 25 km/h: The VAE which does not exceed either the power of 250W or the speed of 25 km/h is not subject to an insurance constraint. However, it is recommended to take out “civil liability insurance”. Indeed, if you cause an accident while riding your bike, you are responsible and you do not have any civil liability insurance, you will be obliged to assume responsibility for repairing the damage caused to others.
- VAE (Bicycle with Electric Assistance) whose power exceeds 250W, and speed 25 km/h: To the extent that the power of your VAE exceeds 250W and 25 km/h, you are required to take out civil liability insurance. The latter will be useful in the event of repairing damage possibly caused to others, while riding your electric bike. As an option, you can also subscribe to the “life accident guarantee”, the “theft and damage guarantee” or even “the legal protection guarantee”.
- Bicycle without electric assistance: Without a motor, the bicycle without electric assistance does not need insurance. However, if you cause an accident while riding your bike and you do not have any civil liability insurance, you will then have to assume responsibility for repairing any damage caused to others. Civil liability insurance, even if it is not compulsory, is therefore strongly recommended. As for journeys made with your bike, they can be covered through your “comprehensive home insurance”.
How much does insurance cost for a bicycle?
Like all insurance premiums, those for electric bikes vary from one insurance company to another and depend on different criteria such as your department, your age, the value of your bike, etc.
- Electric bike insurance: The premiums that insure the theft or breakage of an electric bike are determined based on the purchase price of your bike. The higher the price, the greater the premium will be. Generally speaking, insurance premiums range between 6% and 8% of the purchase price of a new electric bike. For a bike worth 3,000 euros, you will need to provide annual insurance of around 200 euros.
- Classic bicycle insurance: For a classic bicycle, the price of a civil liability insurance premium is much lower than for an electric bicycle. In the event of theft or breakage, your annual insurance premium is generally between 25 euros and 150 euros.
