Electric bike insurance to fit your requirements

Electric Bike Insurance Tailored to Your Needs 

Get custom electric bike insurance starting at just $100 per year through the USAA Insurance Agency, in partnership with Markel American Insurance Company. 

Get an E-Bike Quote 

What Is Electric Bike Insurance? 

Electric bike insurance, like standard bicycle insurance, is designed to protect both cyclists and their e-bikes. This coverage is especially beneficial for those who ride longer distances, at higher speeds, or more frequently. 

Whether you use your electric bike for commuting or recreational purposes, you can personalize your policy to include a variety of coverage options, including protection against crash damage and injuries. 

How Are Electric Bikes Different? 

While electric bikes (e-bikes) resemble traditional bicycles, they come equipped with a battery and an electric motor that assist with pedaling or offer a throttle-based boost. Some models also feature display screens for monitoring performance. If you own both an e-bike and a standard bicycle, a single Markel policy can cover both types of bikes. 

What Types of Electric Bikes Are Covered? 

E-bike insurance covers bikes with motors that do not exceed 750 watts. Popular e-bike brands such as Trek, Pedego Electric Bikes, and Giant are included in this coverage. 

E-bikes are categorized into three classes based on motor functionality: 

Class 1: The motor assists in pedaling up to 20 mph. 

Class 2: The throttle assists the rider, allowing speeds of up to 20 mph without pedaling. 

Class 3: The motor assists pedaling up to 28 mph. 

Coverage Options for Various Scenarios 

Markel offers a range of optional coverage options for e-bikes, which are similar to those available for standard bicycles. You can choose the coverage that best suits your needs by selecting your bike’s value limit and setting deductibles between $200 and $500. 

A Markel policy could include the following protections: 

• Crash damage 
• Liability claims filed against you 
• Bike damage 
• Injuries sustained while riding 
• Roadside assistance 
• Theft and vandalism 

Do I Need Electric Bike Insurance? 

Your homeowner's or renter's insurance may not cover e-bikes with motors. Since e-bikes allow for higher speeds, the risk of accidents or damage can be elevated. A separate e-bike policy ensures you're adequately protected, offering liability coverage, medical protection, and more. 

Conclusion 

Electric bike insurance offers essential protection for riders who want to ensure their e-bikes are covered in various scenarios, including accidents, theft, and liability. With customizable coverage options through the USAA Insurance Agency and Markel American Insurance Company, you can secure the protection you need to confidently ride your e-bike. Whether you're commuting, exploring new routes, or just enjoying your ride, having insurance tailored to your needs can provide peace of mind and safeguard your investment. 

Electric E-Bike Insurance FAQ's 

Policies start at $100 a year. The coverages you select, the value of your bike and how you ride are some of the factors that determine the cost of a bicycle insurance policy.

You won’t pay a higher rate just because you have an e-bike, but if you have a covered accident, the cost of damages could be higher.

Motorcycle insurance typically won't cover an electric bike. E-bikes are built more like a standard bicycle and often can be ridden with no assistance from the motor.

If you give someone permission to use your insured bike, your coverage may apply to them.

Our Agency has long-standing relationships with many insurance providers and we monitor those relationships to make sure they meet our standards of customer service. We've worked closely with Markel since 2007. Their specially trained representatives are ready to help make sure you receive a similar level of service you expect from USAA.