best bicycle insurance
How much does electric bike insurance cost?
The price of insurance for an electric bike that costs €1500 is on average €12 per month. The price is higher than that of a conventional bicycle. For the simple and good reason that this machine is more expensive to buy, therefore more expensive to repair or replace. The table below shows you a sample of the prices for a VAE with some insurers. The cycle costs 1,500 euros and is insured for private and home-to-work journeys.
Insurer Amount of insurance Guarantees
Be ProtekT 8.75 euros per month (105 euros per year) Breakage for any reason and theft
Cyclassur 127.50 euros per year (or three times 43.13 euros) Breakage and theft + marking of the VAE offered
Qoverme 12.70 euros per month (129.53 euros per year) Theft of the bike, 24 hour assistance and material damage
Ulygo 12.30 euros per month (142 euros per year) Damage to the bicycle, theft or attempted theft, disasters and attacks, personal accident
Klinc 12.93 euros per month (154.88 euros per year) Theft, accidental damage and legal protection up to 2,000 euros
Rates from insurers' sites as of April 4, 2021. Most traditional insurers - such as Macif, MAAF or MAIF - do not issue online rates.
Which electric bike insurance to choose?
There are multiple insurance policies for electric bikes. We specify each time if the cover supports unrestricted cycles at 25 km / hour and whose power is greater than 250 watts. If the cycle is covered by home insurance, speed bikes are generally not insured.
which electric bike insurance to choose?
Macif electric bike insurance
Macif electric bike insurance is included in its home insurance, but only for your civil liability and against burglary and damage to your home (provided that the claim is covered in your MRH contract). On the other hand, if you wish to protect your VAE against theft and accidental damage outside your home, you will have to subscribe to the bicycle option. For a bike over 250 watts, Macif offers its 2-wheel contract
Matmut electric bike insurance
Matmut electric bike insurance is covered by a separate contract called 2R Liberté. Only pedelecs can be insured. The cover is quite extensive: theft, fire, attack, storm, natural and technological disasters, natural events, accidental damage, cyclist's bodily guarantee and legal assistance. The insurer does not seem to have coverage dedicated to electric cycles with a power greater than 250 watts.
MAIF electric bike insurance
MAIF electric bike insurance is included in the home insurance, with regard to your civil liability and theft from your home. On the other hand, speed bikes – cycles of more than 250 watts – are not covered. To insure your VAE outdoors, you will need to take out the nomadic sports and leisure goods guarantee. And additional bodily injury insurance, called Praxis Solutions, is offered for bodily injury.
For electric cycles going at more than 25 km/hour, MAIF offers EDPM (personal motorized transport) insurance. With two insurance options to choose from: third-party or all-risk, the guarantees of which are similar to those of car/motorcycle insurance.
GMF electric bike insurance
The GMF electric bike insurance is carried out via the Familiisirs cover. This is insurance that covers leisure activities and in particular theft and damage to your VAE. You also have access to cover the cost of renting a replacement bike for a maximum of eight days. However, it does not insure speed bikes. These can be covered via two-wheeler insurance.
Maaf electric bike insurance
Maaf electric bike insurance covers your VAE against theft and damage covered by the housing contract: TEMPO habitation. However, you will have to declare the electric bike in the movable capital. Your civil liability is also included. Outside, you will have to take the Mobility Protection option which covers your cycle in the event of theft anywhere and accidental damage. Finally, for your bodily injury, a provident policy can be offered: Tranquillité Famille.
For electric bikes over 250 w and going at a speed greater than 25 km/hour, you will have to choose the Cyclo contract. The latter includes a guarantee covering bodily injury.
Axa electric bike insurance
Axa electric bike insurance is included in your home insurance for burglary at your home. To cover it on the outside an option is necessary. It covers your leisure equipment against theft and material damage. However, it only supports pedelecs.
For more powerful cycles, you must choose the insurance dedicated to the moped and EDPM which covers civil liability, your safety (bodily injury), theft and material damage. Here too it is the same contract as for two wheels, motorcycles or scooters.
Groupama electric bike insurance
Groupama electric bike insurance is cover dedicated to e-bikes and classic bikes. It covers theft and deterioration by attempted theft, accidental damage (including attacks), technological and natural disasters. And this regardless of the place: at home or outside. On the other hand, your civil liability is not included, nor bodily injury. The first is covered by your home insurance, the second by a guarantee against accidents of life.
E-bikes over 250 watts are excluded from this coverage. You will therefore have to take out specific two-wheeler insurance.
Decathlon electric bike insurance
Decathlon electric bike insurance only covers e-bikes purchased new from the brand, for two years from the date of purchase. You are insured against material damage and theft, knowing that there is a deductible of 15% of the purchase price of the cycle for this last claim.
LCL electric bike insurance
LCL electric bike insurance is also included in home insurance if the bike is stolen from your home by breaking into it or if it is damaged following a loss covered in your MRH contract. For the outdoors, add the leisure pack which insures pedelecs against theft and damage.
Do you have a speed bike? In this case, take out new individual electric vehicle insurance (NVEI). In particular, it includes civil liability, bodily injury cover up to €1 million, protection against theft anywhere and accidental damage.
Cyclassur electric bike insurance
Cyclassur electric bike insurance covers theft (following break-in, assault or partial theft), breakage (including in non-professional competition) and offers assistance (your own repatriation and that of the bike). However, this dedicated cover only covers e-bikes and not speed bikes, for which you must take out specific insurance not offered by Cyclassur.
Ulygo electric bike insurance
Ulygo electric bike insurance includes several covers: damage to the bike, theft or attempted theft, natural disasters, attacks as well as individual accident cover. Cycles that can go at more than 25 km/hour are not insured.
Klinc electric bike insurance
Klinc electric bike insurance also only covers pedelecs. It is fully modular with four guarantees that you can choose separately: accidental damage, theft, civil liability up to 300,000 euros and legal protection up to 2,000 euros.
Qoverme electric bike insurance
Qoverme electric bike insurance also only covers pedelecs. Bicycles with an assistance speed greater than 25 km/hour cannot be insured. It includes the following elements:
24/7 support.
A theft guarantee.
Material damage warranty.
BeProtekT electric bike insurance
BeProtekT electric bike insurance also only covers VAEs for accidental material damage (including breakage) and theft (by assault or break-in) anywhere.
Note that most VAE insurers require your cycle to be marked to cover it. In the event of theft, you must have used an anti-theft device specified as approved by your insurer in the general conditions of your contract, otherwise you will not be compensated.
Comparison of VAE insurance
Electrically assisted bicycle insurance included in home contracts
MAIF Guarantee Macif Maaf Axa LCL
Civil liability Yes Yes Yes Yes Yes
Bike assistance No No No No No
Legal protection Yes (for disputes related to the purchase of a bicycle) Yes Optional Optional No
Home theft Yes Yes Yes Yes Yes
Theft from outside Yes (by subscribing to the cover option for nomadic sports and leisure goods) Yes (by subscribing to Macif bicycle insurance) Yes (by subscribing to mobility protection) Optional Yes (by subscribing to the Leisure pack)
Material damage Yes for claims covered in the home contract. For damage outside, take out the cover option for nomadic sports and leisure goods Yes for claims covered in the home contract. For damage outside, take out Macif Yes bicycle insurance for claims covered in the home contract. For damage outside, take out mobility protection Yes for claims covered in the home contract. Otherwise optional Yes for claims covered in the home contract. For damage to the exterior, subscribe to the Leisure pack
Bodily injury No (the insurer offers a dedicated guarantee under the name of Praxis Solutions) No No (may be covered by the Tranquillité Famille provident policy) No Only at home
Bike equipment (helmet, etc.) No No No Optional No
Insurance for electric bicycles with a power greater than 250 w No (subscribe to EDPM insurance) No (subscribe to the 2-wheel contract) No (subscribe to the cyclo contract) No (subscribe to the insurance dedicated to mopeds and EDPM) No (subscribe to new individual electric vehicle insurance or NVEI)
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Data taken from the general terms and conditions of the insurance contracts of each entity
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