Insure your electric bike at the best price

Insure your electric bike at the best price

Do you live in the city and are tired of driving and being constantly stuck in traffic? Public transport services do not serve your place of work or activities? So take an interest in the small ecological revolution that has been taking place for a few years now, the electric bike. which is less expensive than a scooter insurance 50 and above all less restrictive, because there are no administrative obligations such as the gray card do not confuse between the electric bike and the electric scooter because even if the scooter is limited at 45 km per hour and the bicycles called Speedbike, and also clamped at the same speed. The two should not be confused, because the difference is based on weight and autonomy, indeed an electric scooter is heavier and has greater autonomy than the Speedbike.

The booming e-bike market

You should know first of all that the first bike of this kind was introduced for the first time by the Peugeot brand in 1995. However, it only knew success in France from 2010 when it began to take its flight. Showing sales growth of around 20% per year since that date, more than 100,000 were sold during 2015, a record jump of 30% that year. This electric market now represents between 8% and 9% of the mass of bicycles sold each year in France, a figure which may seem low, but which is constantly increasing.

Moreover, following this enthusiasm for this new type of ecological transport, many large cities are offering aid or subsidies to boost this new green trade, such as the city of Paris, Saint-Étienne, Caen, Aras, Blois, Nantes, and many more, with an amount generally equal to a quarter of the value of the bike. In addition, these big cities are increasingly trying to invest in cycling infrastructure to go green. You must be advised to choose the right electric bike according to the use you are going to make of it, because the models are different if you use it in town to get to work or for leisure in off-road mode. obligations of the users of electric bicycles because it is necessary to know that each bicycle driver must respect the highway code and that the driver cannot be in total impunity if they commit infringements of the highway code, as it is often the case for bicycle users. Running a red light on a bike has become a national sport, people on bikes often do not respect any rules, but you should know that they can be fined like scooter or motorcycle drivers. There are several models of electric bike such as the VTC which means Vélo Tout Chemin, it is a compromise between the city bike and the mountain bike or there is also the urban model, comfortable with bag baskets and accessories, such as the mudguards that protect you from projections.

Example of price for electric bike insurance

Value of the bike to be insured Price of the insurance
Up to €2300 €10.80 / month
3000 € 17.40 € / month
4000 € 22.34 € / month


The legislation of the different electric bikes

Many models are now available for sale, each meeting a more or less specific need, so who is the electric bike for, who are the users of electric bikes and how many people are using them in 2021. The model evolves very quickly like the lightness, the speed or the comfort of movement. According to users, it is therefore possible to find a variant that suits everyone's expectations. The common point that connects all these machines is the battery present which is used precisely to assist the pedaling of the user.

Nevertheless, from the point of view of the law and the legislation of electric bicycles, a distinction is made between 2 types of electric bicycles, VAE (Electrically Assisted Bicycles) and Speedbikes. Indeed, bicycles are considered as pedelecs when 3 conditions are met:

- The starting of the auxiliary engine is activated only when one pedals and is cut off automatically as soon as one stops.
- The assistantship is cut beyond 25 km/h, since this is the legal limit in France.
- The motor power must not exceed 250 Watts.

Apart from these 3 points, the shape of the frame, the weight or the storage of the bikes are not regulated. All future users can therefore find what they are looking for on lighter, more comfortable or even foldable models.

As far as fast bikes are concerned, the legislation is much tougher, since their characteristics are very close to 50cc scooters:

- It is compulsory to be covered by a specific insurance.
- Wearing an approved helmet is also compulsory.