Insuring Your Electric Motorbike in the UK: Key Differences & Considerations
If you own an electric motorbike, or plan to in the near future, then getting good electric motorbike insurance is a must. Although similar types of cover are available for electric bikes compared to petrol bikes, there are also some key differences when it comes to insuring an electric bike. In this guide, you’ll find out the main considerations when taking out electric motorbike cover, so you can get the right type of insurance for you.
Key points
What Are The Main Considerations When Insuring an Electric Motorbike?
- Battery cover: Batteries for electric vehicles are usually very expensive and this being the case, it can make them more expensive to insure compared to petrol motorbikes.
- Charging equipment: You can also have cover for charging equipment including in an electric motorcycle insurance policy although this isn’t mandatory.
- Cost compared to insuring a petrol bike: One of the things to consider when you’re thinking of buying an electric motorbike is how much it will cost to insure compared to a similar petrol bike.
- Getting cover from specialist providers: When you’re looking for electric motorbike insurance, it’s a good idea to get cover from a specialist provider since they’ll often be able to offer you the best price.
Do electric motorbikes cost a lot to insure?
They can be expensive depending on the type of bike you have and the level of cover you take out. A good way to reduce the cost of electric motorbike insurance is by getting a third party only policy.
Are there any other good ways to save money on electric motorbike insurance?
Yes, as well as getting a third party only policy, you can also:
- Make your bike more secure
- Make use of your No Claims Discount (if you have one)
- Get quotes from several providers
What are the main benefits of owning an electric motorbike?
Some of the key benefits include:
- They’re better for the environment
- You may be able to get a government grant to help towards the cost
- You don’t pay road tax
- They provide a quieter and smoother riding experience
In Summary
- Electric motorbikes may cost more to insure compared to petrol counterparts due to things like the battery cost.
- You can take steps to reduce the cost of electric motorbike insurance, such as getting a third party only policy and shopping around for quotes.
- It’s usually a good idea to get your cover from a specialist provider.
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