Ensure You’re Insured!

Join over 3,000,000 cyclists reaping the rewards of a great plan, at a great cost.

The comparison tool allows you to compare prices for ebike insurance from reputable brokers based on your requirements, so you can select a plan that suits YOU, at a price that suits YOU.

Compare & Insure Your Bicycle

E-Bikes Direct Insurance Comparison Powered By Seopa

So Which Bicycles Qualify?

  • Electric Bikes
  • Mountain Bikes
  • Road Bikes
  • Ladies Heritage Bikes
  • Folding Bikes
  • Fixed Gear (Fixie) Bikes

What, Exactly Is Covered Under Bike Insurance?

Now, insurance plans vary in terms of cover qualification, T&C’s and your personal preference, starting with a simple question; “Would you like to cover yourself, your bicycle, or both?”

Personal Cover

  • Legal Cover

For example, if you were to be involved in an accident that wasn’t your fault and incurred personal injury, should you decide to take legal action against that third party, those costs are covered.

  • Personal Injury Cover

As with car insurance, should you be involved in an incident causing personal injury or a decline in health, you could qualify for a financial pay-out.

  • Third Party Cover

Protection against costs should you have an accident resulting in the injury of a third party, for example a walking pedestrian.

Bicycle Cover

  • Vandalism & Accidental Personal Damage

Covering the costs of repair or replacement as a result of personal accidental damage or third part vandalism. Nothing worse than losing out due to someone else’s inconsideration!

  • Temporary Replacement Cover (‘Courtesy Bike’, If You Will)

Appreciating that cycling is a sole mode of transport, and income in some cases. This will cover the cost of hiring a bicycle temporarily whilst yours is being repaired or replaced.

  • Theft Cover

Should your bicycle get stolen, this will cover the cost of a replacement. You can also cover accessories and componentry should they be subject to theft.

Things To Bare In Mind?

  • Cycling under the influence of alcohol or drugs will void your cover should you have an accident.
  • Failing to secure your bicycle properly will result in theft, and will void your cover should the worst happen.
  • If an accident occurs during a period of financial gain, for example during a delivery shift, you will not be covered.
  • Purely cosmetic damage repair will not be covered. Damage has to be preventing or affecting the function of the bike to qualify.
  • If your accessories are stolen or damaged without the bicycle being involved, you will not qualify for replacements or repair.

Words To Numbers – See Some Examples Of ‘Pay-Less-Than’ Figures

You could pay less than £47 for bicycles valued up to £1500*

  • *51% of customers with a bicycle valued up to £1500 who obtained a quote for Bicycle Insurance through this service provided by Seopa Ltd between April and June 2023 were quoted less than £40.60. Using the same calculation for bicycles valued between £1500 and £3000 gave a figure of £73.80 and for bicycles valued over £3000 gave a figure of £157.30. The quote price you could achieve is dependent on your individual circumstances.

You could pay less than £74 for bicycles valued between £1501 and £3000*

  • *51% of customers with a bicycle valued between £1501 and £3000 who obtained a quote for Bicycle Insurance through this service provided by Seopa Ltd between April and June 2023 were quoted less than £73.80. Using the same calculation for bicycles valued up to £1500 gave a figure of £40.60 and for bicycles valued over £3000 gave a figure of £157.30. The quote price you could achieve is dependent on your individual circumstances.

You could pay less than £158 for bicycles valued over £3000*

  • *51% of customers with a bicycle valued over £3000 who obtained a quote for Bicycle Insurance through this service provided by Seopa Ltd between April and June 2023 were quoted less than £157.30. Using the same calculation for bicycles valued up to £1500 gave a figure of £40.60 and for bicycles valued between £1500 and £3000 gave a figure of £73.80. The quote price you could achieve is dependent on your individual circumstances.

How Can I Maximise Protection & Perhaps Lower My Premium?

Nine times out of Ten, providers will require a security lock of a certain standard, usually varying depending on the value of the bike. Most brands of locks and security gear tend to offer their own ratings, however we recommend a ‘Sold Secure’ rated lock. Available in podium ranking, you’re best off with a GOLD Rated, which might even qualify you for a premium discount!

Right, How Can I Get A Quote?!

We’ve teamed up with Seopa to make it as easy as possible to get the ball rolling. Simply complete one form to be provided with an array of quotes, before choosing a plan to suit you & your cycling lifestyle!

Less Searching, more saving, more cycling!

e-bikesdirect is a trading style of MTF Enterprises Ltd, registered in England, company number 5559503. MTF Enterprises Ltd is an introducer appointed representative (IAR) of Seopa Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA FRN 313860).