Alexa Seleno

Electric bike insurance, what you need to know

Juil 10, 2023
Electric bike insurance, what you need to know

In France, the bicycle has become one of the most preferred means of transport. More and more people choose this ecological, economical and practical means of transport for their daily trips.

However, the massive arrival of cyclists has led to a considerable increase in thefts and acts of vandalism. Faced with these risks, the question of bicycle insurance comes up very often. When is insurance compulsory? What are the benefits of taking out bicycle insurance?

In this article, we will explore the different situations in which bicycle insurance is mandatory as well as the advantages and limits of this subscription.

Which bike to insure?

According to current regulations, bicycle insurance is not compulsory for all types of bicycles. Here is an overview of three bike categories:

Bikes without electric assistance:

Insurance is not compulsory for classic bicycles without electric assistance. However, you can take out civil liability insurance to protect yourself in the event of damage caused to third parties.

Electrically assisted bicycles (whose speed does not exceed 25 km/h):

These bikes are equipped with an electric motor which helps the cyclist to pedal. For VAE whose engine power is less than or equal to 250 Watts, the law does not impose compulsory insurance.


Also called S-Pedelecs, these are electrically assisted bicycles capable of reaching high speeds of over 25 km/h. This type of bicycle is considered a motorized land vehicle (VTAM). In this case, you must take out civil liability insurance, which covers the damage you may cause to others.

Note that mandatory or not, bicycle insurance is an important step to take into account.

The advantages of insuring your electric bike:

Insuring your electric bike can offer you several advantages. Indeed, electric bikes can be very expensive and in case of damage, the cost of repair can be very high. Thus, by taking out insurance for your bike, you will avoid having to pay a high financial cost.

In addition, e-bike thefts are becoming more and more common. By taking out bicycle insurance, you can be compensated for the cost of your bicycle if it is stolen.

In addition to theft, e-bikes can also be damaged by acts of vandalism (scratched frame, cut brakes, etc.). E-bike insurance may cover replacement costs.

Finally, some electric bike insurance may offer additional benefits, such as:

  • Assistance in the event of a puncture;
  • Assistance in the event of a breakdown on the road;
  • Coverage in the event of an accident involving your electric bike.

By choosing Sharelock, you can benefit from a Electric bike insurance adapted to your needs and be financially protected against the risk of theft, breakage and vandalism.

Sharelock accompanies you in your daily cycling life. In the event of an incident or theft, you can count on rapid assistance, with a team of professionals at your service 24 hours a day, 7 days a week.

The limits of home insurance for bicycles:

The limits of home insurance for bicycles vary depending on the insurance company and the contract taken out. Here are some of the common limits for bicycle home insurance:

Reimbursement limits:

Home insurance may include a reimbursement limit for bicycles, which may be lower than the actual value of your bicycle. Thus, if the latter is stolen or damaged, you will not be able to be reimbursed 100%.

Franchises :

As with any type of insurance, a deductible may apply in the event of a claim involving your bike. This deductible can significantly reduce the amount of reimbursement to which you are entitled.


Home insurance may exclude certain types of damage, such as damage caused by:

  • Pets;
  • Intentional acts;
  • Commercial uses.

It is therefore crucial to check the terms of your home insurance contract to know precisely what is covered.

Which electric bike insurance to choose?

The choice of insurance for your electric bike depends on your needs. Indeed, if you use your electric bike frequently, it may be wise to take out home insurance to cover the risk of theft and breakage. On the other hand, the civil liability insurance covers the damage that you could cause to third parties in the event of an accident or collision with your electric bicycle. This type of insurance can also protect you against high repair or compensation costs.

In conclusion, although bicycle insurance is not compulsory for all types of bicycles, it can be an interesting option to protect you financially against the risks associated with its use. Don’t forget to check the terms of your home insurance policy and consider which one offers comprehensive coverage tailored to your needs.

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