Ebike insuranceStreatham recovery
Cargo bike insurance for the family bike.
Cargo ebikes are the most valuable bikes in many UK households — often £4k–£8k, sometimes north of £10k. They live in front gardens or sheds and run the school run, the shop, and the commute. BackPedal's cover bundles theft, battery, motor, recovery service, and accessories into one subscription (annual in year 1, monthly or annual from year 2).
- +80%Recovery rate
- ~48hTypical recovery time
- 24/7In-house ops team
Recovery with no exclusions
Even if you forgot to lock up — we still recover your bike.
Full insurance backup included
Underwritten by Sundays Insurance, FCA regulated.
Tracking kit & professional installation
Covert GSM, GPS & BLE tracking kit — expertly installed, all part of your subscription.
Watch one of our recoveries
Trusted by thousands of families, commuters, racers and delivery riders because we do more than just insure… we recover.
Why cargo bikes need different cover
Cargo ebikes don't fit in a hallway. They live outdoors — in front gardens, on the pavement during a shop, in school playgrounds at drop-off. Standard bike insurance often has strict storage requirements (locked to an immovable object, indoors overnight, etc.) that don't match how cargo bikes are actually used.
BackPedal's recovery cover has no storage exclusions. The bike is insured whether it's locked to a lamppost while you grab a coffee, parked at school for an hour, or sitting in the front garden overnight. Combined with a covert tracker and 24/7 recovery, the bike's much more likely to come home if it goes missing.
Cargo bike use cases
Front loaders, longtails and trikes all get covered, whether the load sits in a box ahead of the bars or on a rack behind the saddle.
School run
Insured during drop-off, while locked up at school, and on the way home. Theft from school playgrounds and pavement-side stops covered.
Errands & shops
Brief unattended stops at shops and cafés covered. No daytime exclusion window.
Family commute
Daily commute use covered including transit between home, work, and childcare.
Front garden / shed
Outdoor storage at home covered. Most cargo ebikes can't live indoors — we know.
How BackPedal works
Three steps. Covert trackers go on your bike, you call us when it's stolen, and our agents go and get it back. We've recovered over 80% of bikes reported to us.
01
Install trackers
Our mechanics fit covert GSM, GPS & BLE trackers to your bike anywhere in London — at the time and place you choose, 8am to 8pm, every day.
UP TO £149 OF KIT8AM–8PM, DAILY
02
24/7 Recovery OpsReport a theft
When your bike goes, you call our 24/7 hotline. We deploy recovery agents the same hour and keep you updated until it's back.
24/7 HOTLINESAME-HOUR DEPLOY
03
RecoveredOn its way homeBike recovered
We track it down, check it for damage, return it to your door, and handle the police report and any insurance claim on your behalf.
+80% RECOVEREDCLAIM HANDLED
+80%
Recovery rate
~48h
Typical recovery time
24/7
In-house ops team
Real recovery footage · updated weekly
Watch us
get them back.
Every clip is real footage from a BackPedal recovery, filmed by our agents on the ground. New recoveries land every week.
Watch the recoveries
Streatham6 hours to recover1:19
Stratford22 hours to recover1:12
Brighton2 days to recover1:15
Twickenham13 hours to recover1:11
London9 days to recover1:06
Hounslow23 hours to recover1:11
Kensington10 days to recover1:03the wall
Traditional bike
insurance vs
BackPedal
A bike is stolen every 2 minutes in the UK. Fewer than 2% of thieves are ever caught. Traditional insurers don't care — they just price it into your premium. The thief profits. You start again. Nothing changes.
BackPedal is different. We track your bike, recover it, and return it to you — so the thief gets nothing. Insurance is our backup, not our business model.
What you get
RecommendedBackPedalRecovery + Insurance
Other Bike InsuranceTypical Policy
01Recovery & Protection
Get your actual bike back
Covert GPS tracking included
24/7 recovery team deployed
Bike stolen? One call and we take over
02No exclusions on recovery
Forgot to lock up? Still covered
Left outside your house? Still covered
Stolen whilst riding? Still covered
03Insurance
If we can't recover your bike, our backup insurance by Sundays kicks in — the same kind of cover you'd get from any other bike insurer. Standard terms apply and claims are subject to approval.
Financial cover for a replacement bike
Accessory cover
Theft damage cover
Excess
£50*
Varies
* No excess on recovery claims. £200 excess for battery-only insurance claims.
★ ★ ★ AS SEEN ON TV
On the hunt
with TV crews
Three film crews. Three networks. One question — what does it actually look like to recover a stolen bike? Press play and find out.
45 minFeatured · BBC One
Trace, Track, Get My Car Back
In London, bike recovery specialist Bilal hunts down an ebike's GPS signal to a block of flats — and is shocked to discover what looks like a bike chop shop inside.
Watch on BBC iPlayer Series 1 · Episode 15 · 45 min
Crime + Investigation · 60 min
Bike Theft: London's Recovery Crew
“A routine recovery spirals into public confrontations, police involvement and a chase across multiple thefts — showing how unpredictable stolen bike recoveries can be.”
Watch on YouTube
Channel 4 Dispatches · 30 min
Britain's Bike Theft Capital
“Dispatches secretly films suspected handlers and goes on the trail of stolen bikes with our team.”
Watch on YouTubeThe kit · £150 of trackers
Covert trackers,
disguised & hidden
Every bike we protect gets a covert tracking kit — hidden away within the bike itself, or tucked into one of 17 disguised casings, so no two bikes look alike and thieves never learn the hiding spots.
Depending on your bike, that's some mix of an always-on Live GPS, a no-wires Sleeper GPS that wakes the moment your bike's reported stolen, and a short-range Proximity Beacon that leads our agents to it indoors. Read more about the trackers.
Handlebar cable coverCovers any brake, gear and electrical cables whilst hiding the tracker
Browse the disguises · tap to preview
1 / 17
Our customers love us
My bike was stolen… BackPedal took over the whole operation to get my bike back. Kind and caring and excellent at their job!
Alexandra Stratos
Chef, Highbury
My ebike is essential to our lives so I love the peace of mind knowing you've got a team there ready to go if the unthinkable happens.
Elan TamSey
Musician, Walthamstow
BackPedal gives me a way to protect my kit and fight back against bike theft at the same time.
Mat Shreeve
Engineer, Camden Town
BackPedal have recovered my ebike twice now. It is still a horrible experience having my bike stolen but the team are so resourceful they got a quick result.
They could not have been more conscientious on my behalf.
Frances Kelly
Kensington
Cargo bike insurance FAQs
What's covered on cargo ebike insurance?
Theft, theft damage, battery, motor, accessories, and recovery service. Cargo ebikes have higher average values (£4k–£8k common, often £10k+) so cover is structured around bike replacement plus the school-run / commute use case.
Does cargo cover include theft from the school-run scenario?
Yes — school-run usage falls under standard personal cover. The bike is insured during drop-off, while locked up at school, and on the way home. Most cargo ebike thefts we see happen at school drop-offs and supermarket parking, which is exactly where the recovery service is most valuable.
What about cargo ebike storage at home?
Most cargo ebikes are too big for indoor storage and live in sheds, garages, or front gardens. Recovery cover has no exclusions on outdoor storage — even if it's locked up out front. The insurance side may apply higher requirements on lock category for outdoor storage; talk to us if your storage is unconventional.
Is my cargo ebike covered on the school run?
Yes — school-run usage falls under standard personal cover. The bike is insured during transit, while locked up at school, and back home. Most cargo ebike thefts we see happen at school drop-offs and supermarket parking — recovery service is especially valuable in these scenarios.
Which cargo ebike brands are covered?
All major UK cargo brands: Tern (GSD, Quick Haul, HSD), Riese & Müller (Multicharger, Load, Packster), Urban Arrow, Yuba, Larry vs Harry, Babboe, Ahooga, Carla Cargo, and others. Use the quote tool with your bike's value — make/model doesn't change the price; bike value does.
Cover for the bike that does the school run
Theft, battery, motor, accessories, and recovery — bundled. Get a real price for your cargo bike.