This really depends on what your requirements are. EAPCs are much cheaper and are great for small journeys and city riding. Whereas an electric motorbike is more akin to a car and something you can use for long journeys. Of course the cost of owning one is much higher though.
EAPCs are considered bicycles so they’re not legally required to have insurance. Electric motorbikes are typically powerful vehicles that can move at high speed. Therefore owners are required by law to have insurance in place.

