What is the best way to secure your electric bike? What insurance for electric bicycles?

Fun for the whole family: e-bike boom in Germany. Electric drive bicycles continue to enjoy great popularity. Around two million electric bicycles were sold in Germany in 2021. The two-wheeler industry association assumes that the number of electric bicycles in Germany now exceeds eight million. Electrically assisted cycling is also worth a lot to the Germans; an average of at least 3,000 euros. It is even more important to secure the good parts optimally. The experts from Deutsche Vermögensberatung explain why e-bikes are not always the same, what types of insurance are recommended, and why cargo bikes are so popular these days.


Not all e-bikes are the same: types and prices are very different

The right model: In general, the term e-bike includes all bicycles that have an electric motor. A distinction is made between electric bicycles, pedelecs and S-pedelecs, with the pedelec being particularly popular. With these models, the electric motor is only used if you are pedaling at the same time. Up to a speed of 25 km/h, the pedelec is still considered a bicycle. The S-Pedelec reaches higher speeds. Therefore, it is legally considered a moped, for which a license plate and driver’s license are required in addition to motor vehicle civil liability insurance. You can only drive on the street. The third variant, electric bicycles, are classified as mopeds or mopeds, depending on when the engine is turned off. Otherwise, the same rules apply as for the S-Pedelec.

Simply practical – that’s why cargo bikes are so popular right now

Currently extremely popular cargo bikes are also available in these different categories. If you want to buy an electric cargo bike, you sometimes have to be patient before the manufacturer delivers. No wonder: especially in big cities, electric cargo bikes are a good alternative to the car. You save on fuel costs and finding a parking space, you’re outdoors, you do something for your health, and there’s usually also room for the kids besides shopping.

What is the best protection, what insurance?

The right protection: According to the latest figures from the Federal Statistical Office, 17,045 electric bikes were involved in accidents in 2021. If you want to be safe, you should seriously consider taking out insurance, preferably one that covers both theft and damage to your own bike. Because the world of electric bikes is so diverse, there are many things to consider when deciding on the right insurance. Therefore, it is advisable to consult an expert. Among other things, it can be clarified if the household insurance already includes bicycle insurance or if your bicycle needs another type of insurance, for example civil liability insurance for motor vehicles, due to its motorization.

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