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E-Bike Insurance NI: Compare cheap Northern Ireland e-bike insurance quotes online

Until Stormont changed the legislation in 2020 electric bike insurance in Northern Ireland required a moped insurance policy rather than a regular NI bicycle insurance policy, because e-bikes were classed as mopeds.

NI e-bikes also required the cyclist to hold a moped licence, pay road tax and carry out an annual MOT for their electric bicycle, but that all changed when Stormont updated the regulations in Nothern Ireland in order to bring them into line with the rest of the UK.

NI e-bikes are now classed as regular bicycles, which means you can insure them with a standard bicycle insurance policy in the same way as you would a normal push bike, mountain bike or road bike.

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Insuring an electric bike in Northern Ireland: a straightforward guide

Man riding E-bike

Is it legal to cycle an electric bicycle on the roads in Northern Ireland without insurance?

It didn’t used to be, but when the legislation in Northern Ireland was revised in 2020 the rules governing the use of electric bikes was brought into line with the rules for normal push bikes, which means insurance is no longer mandatory.

However, even though it isn’t a legal requirement NI electric bike insurance is still worth considering, particularly when you consider that many e-bikes are worth considerably more than a standard pedal bike.

How much does e-bike insurance cost in Northern Ireland?

Northern Ireland electric bike insurance providers use a wide range of different variables in their insurance premium calculations, many of which are unique to you – for instance, your location, the crime rate in your area, the type of electric bike you own, how much that e-bike is worth, the type of bicycle lock you use when securing your ebike and whether or not that locking device is insurer-approved.

The best plan is to use our NI bicycle insurance comparison system to compare quotes from a range of providers, and then go for the provider that’s offering you the most suitable policy at the most competitive price.

Does Northern Ireland ebike insurance cover theft?

E-bike chopper


Yes, cover for theft is a standard feature of all Northern Ireland electric bicycle insurance policies.

However, you’ll have to take appropriate security precautions when securing your e-bike in order to ensure an insurance claim is valid.

For instance, if you’ve told your insurance provider that you use a ‘Sold Secure’ lock to secure your e-bike this type of lock will need to be in use when the bike is stolen. Similarly, if you advised your insurer that you store your mountainbike in a locked garage when it’s at your home it would need to be kept in the garage, otherwise a claim for bicycle theft may well be refused.

Will NI e-bike insurance cover the cost if I damage someone’s car with my bike?

If your NI e-bike insurance policy includes ‘cycling liability cover’ then you should be covered if you damage someone’s car while riding your bike.

If you opt for a cheaper e-bike insurance policy that doesn’t include cyclist liability cover as standard you will usually be able to add to your policy as an optional add-on, although you might have to pay a fee for this.

How can I find cheap NI e-bike insurance?

First and foremost, you should use to compare electric bike insurance quotes from a range of different providers, which makes it more likely that you’ll find a suitable policy at a competitive price.

Beyond that, the following steps could also help to increase your odds of finding cheap NI e-bike insurance:


  • Using a ‘Sold Secure’ bicycle lock when you’re chaining up your bicycle: If you work in Belfast, Derry~Londonderry, Craigavon or Lisburn and you use your e-bike for your daily commute you may be lucky enough to have access to a company bicycle rack in your office carpark. But no matter where you’re chaining the bike up you should benefit from cheaper insurance quotes if you use an insurer-approved bicycle lock, and ‘Sold Secure’ locks are usually recognised as some of the best options.
  • Registering your e-bike on, the country’s national cycle register database: It’s free to register, and if you also buy one of the register’s security marking kits the cost of your NI e-bike insurance could also fall a little.