RVInsurances.com - 6 Reasons Electric Bikes Require Protection For Life’s Bumps

6 Reasons Electric Bikes Require Protection For Life’s Bumps

“He either has some help, or the world record for fastest pedaling!”

Buzzing along, the man smiled to himself as person after person stared at his new mode of transportation. 

You may be surprised to learn the sales of electric bikes have surpassed that of their automotive cousins. 

If you’ve already purchased or are considering purchasing one, you’ve come to the right place.  By the end of this blog, you’ll be educated and equipped.  

So without further adieu…    

What Are Electric Bikes?

Not to be confused with faster electric motorcycles, they still offer the rider a motorized assist.  Containing the exact same mechanical parts as classic bikes, electric pieces turn it into a transformer of sorts.


  • Pedal assist
  • Throttle
  • Battery
  • Motor
  • Drivetrain

First documented in both the U.S. and France during the late 19th century, motorized bicycles have an interesting history.  But you’re not here for a history lesson are you?

No, you’re focused on the present.  And also the future.  Namely, how can I extend the life of this amazing contraption?  

We hear you, but first we need to answer one question.

How Do Electric Bikes Work?

Operating on a battery that delivers 50 miles after charging, electric bicycles function rather ordinarily.

  1. Battery powers the motor
  2. Drivetrain sends power to the wheels
  3. Motor is controlled either by the pedal assist or throttle

By the way, don’t worry about ending up on the side of the road without power.  Built into the handlebars is a battery indicator display.

You probably won’t be riding in Death Valley with your e-bike, but either way you can rest easy now!  You’re welcome.

As promised, it’s time to discuss ways to prolong the life of your new toy.  Because this one is a bit more valuable than anything you can find at the mall!

Why Electric Bikes Need Insurance

Because they aren’t considered a motorized vehicle, don’t expect your homeowners or auto insurance to offer much coverage.

Other reasons:

  • Riders don’t need a license
  • E-bikes don’t need to be registered

This is convenient for you as the consumer, until you seek protection from theft, damage, or liability.

How Much Are Electric Bikes? 

Costing anywhere from $1,000 up to $12,000 motorized bicycles are a legit investment.  And as such, you should think about how to safeguard them.  

There are still other factors which give credence to buying some sort of gap insurance.  We’ll look at those next.

How Fast Do Electric Bikes Go? 

Unlike motorcycles, which can go up to 273 miles per hour, e-bikes are significantly slower.  But don’t let their appearance fool you.

Although not a cheetah, they are nonetheless fast as a bear at 20 to 30 miles per hour.  Picturing it that way puts them in a whole new light huh?

For those still wanting exercise, you can pedal at any time.  But what if you encounter steeper terrain or have a desire to avoid showing up to work sweaty?

Put the pedal to the metal (frame)!      

With the added components it’s worth noting electric bikes weigh between 45 to 70 pounds.  We mention this not because you’ll be lifting weights with it, but rather as another reason to insure.

Imagine a 50 pound metal frame zipping at 25 miles per hour and you can see the potential liability in a collision.  

We think you get the picture.

Electric Bikes and RVInsurances.com

The best electric bike insurance fills in gaps not provided via traditional auto or home plans.

Areas to cover:

  • Crash
  • Collision
  • Fire
  • Theft
  • Vandalism

Some packages even include apparel or spare parts.  These add up to you on the road quicker and with more confidence.

Policy customization is available for increased flexibility.  Optional coverages may come in handy if you’re ever involved in a collision.  They take care of things like medical bills for an injured third party.  

RVInsurances.com founder, Marty Adair, has been a licensed Property and Casualty Broker since 1997. He started his career working in his family’s Mexico tourist auto insurance business, assisting part and full-time RVers.  

It soon became apparent that there was a need for specialty RV insurance that would extend coverage across the US and Mexico border that could save his RV clients thousands of dollars per year.  So that’s what he’s been doing for the last 9 years!

Today RVInsurances.com provides the best possible service to the biking community. We are a full service insurance agency specializing in all motorized bike enthusiasts. We represent the top rated insurance companies in the nation to provide the best possible policy for the right price. We are licensed in many states to help with your e-bike needs.

Reach out for a free electric bike quote today!

Scroll to Top

Don't leave empty handed!

Get a Quote now