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E-bikes and Insurance [Video]

Posted by Scott Stueber on Jul 2, 2019 9:00:00 AM

E-bikes explainedDo you remember your first bike? I remember mine very vividly. My neighbor and I had matching his and her bikes. I also remember many bike trips to my grandmother’s house.

If you live in a big city, biking may still be a part of your life. Depending on traffic, biking may be a quicker alternative to get to work. In addition, many communities are adding bike trails which offer a great way to get out for a ride with your entire family.

Biking is a great way to improve your health, save wear and tear on your car, and reduce emissions.

If you’re in the market for a new bike you may want to consider buying an e-bike. While e-bikes are more expensive, they’re gaining in popularity and offer many benefits.

What’s an e-bike?

An e-bike is a bicycle with an electric motor. It’s another option for anybody that enjoys riding. A common misconception is that an e-bike is like a scooter or a motorcycle. All you have to do is jump on and go. With a power assist e-bike, you must pedal which still allows for a great workout. Power assist e-bikes allow you to travel further distances, climb hills in an easier manner, and reduce muscle soreness.

Are all e-bikes created equal?

There are three classes of e-bikes. They are:

1. Class one – Pedal assist up to 20 mph.

2. Class two – Found more often online, these bikes are pedal-assist with an electric throttle up to 20 mph.

3. Class three – Higher-end or performance-type bikes, such as mountain bikes, that are pedal-assist only up to 28 mph.

Are e-bikes regulated?

E-bikes are regulated, but regulation can vary by state or municipality. Check with your local laws and abide by them.

What bike equipment do I need for an e-bike?

Like with any sport or hobby, the proper equipment is important. Here’s some equipment you should have no matter what type of bike you ride.

  • Helmet
  • Mirror
  • Bell or horn
  • Lights
  • Bright clothing

Are e-bikes covered by insurance?

A West Bend policy automatically provides coverage if you buy an e-bike that goes 20 mph or less. If you buy an e-bike that goes faster than 20 mph, you’ll need to talk to your independent agent to have it added to your policy.

HubSpot Video


Here are some additional blogs to keep you safe while riding.

Bike safety tips for commuters, families, and enthusiasts

As a motorist, do you understand biking laws?

How to prepare for your first bicycle ride of the season

Do you have any tips you’d like to share? I’d love to hear them; please share them in the box below. 

This article is intended for general educational and illustrative purposes only and should not be construed to communicate legal or professional advice. Further, this article is not an offer to sell insurance. Please consult with your licensed insurance agent for specific coverage details and your insurance eligibility. All policies are subject to the terms, conditions, limitations, definitions, and exclusions contained therein.

Topics: Bicycle Safety

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