To be insured, your ebike must be legal in the UK
We cover most types of electric bikes, including:
- Electric mountain bikes (eMTB)
- Electric road bikes
- Electric cargo bikes
- Electric hybrid bikes
- Brompton Electric bikes
- Bikes fitted with approved conversion kits
What makes an e-bike legal in the UK?
To be insured by Bikmo, your e-bike must be legal to ride on UK roads without vehicle tax, insurance as a motor vehicle, or a driving licence. This means it must meet UK Electrically Assisted Pedal Cycle (EAPC) regulations.
Your e-bike must:
Be pedal assisted
The motor should only provide assistance when you are pedalling. It must not power the bike independently.
Have a maximum motor power of 250 watts
The motor cannot exceed 250W continuous rated power.
Have a top speed of 25km/h (15.5mph)
Motor assistance must cut out when you reach 15.5mph. You can ride faster than this, but without motor support.
Not be “twist-and-go” (unless type approved)
E-bikes that operate using a throttle alone (like a motorbike) are not covered unless they have official UK Type Approval, meaning they’ve been certified for road use.
Be ridden by someone aged 14 or over
In the UK, riders must be at least 14 years old to legally use an e-bike.
Not sure if your e-bike meets these rules?
The UK Government provides detailed guidance on e-bike regulations in Great Britain if you’d like to check the rules.
You can also contact our team and we’ll be happy to confirm whether your e-bike is eligible for cover.
Email: support@bikmo.com
Getting a quote for your e-bike
When you request a quote, simply tick the “e-bike” option. This ensures you receive our specialist e-bike pricing.
Get a quote and ride with confidence.