Insurance for E-Bikes


New Member
I am sure this topic has been discussed before, however, since I am new to the group, I need your assistance with finding insurance for my bike. My insurance agent has checked with my carrier, Travelers, and all of the insurance companies he carries and none of them would cover the bike. My biggest fear is that our umbrella coverage is also off the table. It just does not make sense to me that a motor assisted bicycle is not covered. Any words of wisdom would be greatly appreciated.


Well-Known Member
More than a few threads on this:

There are more. These are the most recent. I use Velosurance (underwritten by Markel) for my commuter bikes and my cargo bike. Coverage through my homeowners was dubious and if covered, it was mostly just for theft. Wouldn't cover the bike if it was damaged in an accident, which, as a commuter, seemed to me a possibility as likely as theft. Bikes I use more for leisure I do not have on the Velosurance policy and if a loss were to occur, I would try to claim it on the homeowners.