Ebike insuranceLive recovery
Cheap ebike insurance that still gets your bike back.
Cheap-feeling ebike policies usually exclude the things that matter — battery, motor, theft from sheds, theft while you're inside a café. BackPedal bundles recovery, tracker, battery, motor, and insurance into one transparent subscription (annual in year 1, monthly or annual from year 2). Most subscribers never claim — the bike comes back.
- 79.7%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.
Trusted by thousands of families, commuters, racers and delivery riders because we do more than just insure… we recover.
What “cheap ebike insurance” usually leaves out
Filter ebike insurance by price and you'll find policies that look great on the headline number. Read the wording and the battery is excluded (extra £3–£5/month to add), the motor isn't covered, theft from sheds is excluded, and recovery isn't part of the offer at all.
When the ebike actually goes missing, the cheap policy delivers a partial payout slowly and only if your storage and lock category matched the schedule. The bike is gone, the thief profits, your premium goes up next year.
What's in your BackPedal ebike plan
One fee, everything bundled, no tier upsell.
Tracker + install
Covert GSM, GPS, BLE kit fitted by our mechanics. About £150 of hardware, included in the price.
24/7 recovery team
We track and retrieve. 79% recovery rate. £0 excess on recovery claims.
Battery + motor cover
Both bundled, not sold as add-ons. £200 excess on battery-only claims.
Backup theft insurance
Sundays-underwritten insurance handles your claim if recovery isn't possible — subject to standard policy terms. £50 fixed excess.
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.
Cheap ebike insurance FAQs
How cheap is BackPedal ebike insurance?
Pricing scales with your ebike's value and starts from around £153/year (≈£13/month equivalent). Year 1 is billed annually upfront — it covers the £150 tracker hardware plus professional install. From year 2 you can switch to monthly billing or stay annual at a discount. The subscription includes tracker, install, recovery, and insurance — no add-ons, no surprise excess on the recovery side.
Is cheap ebike insurance worth it?
Cheap-feeling ebike policies usually have narrow cover — battery excluded, theft only between certain hours, only if locked with a specific lock category to an immovable object. When you actually claim, the cheap policy isn't cheap. BackPedal's recovery service means most subscribers never need to claim — the bike comes back. That's the cheapest outcome of all.
What do cheap ebike policies leave out?
Common exclusions: battery cover (added as a paid extra), motor cover, theft from sheds and garages, theft during commute, theft if left unlocked even briefly, recovery service entirely. The headline premium looks great until the claim wording bites. BackPedal bundles all of these into one fee — no tier system, no battery upsell.
Can I cancel ebike cover any time?
Year 1 is an annual subscription paid upfront — it covers the £150 tracker plus professional install. Cancel during year 1 and we'll refund pro rata; you return the tracking kit to us. From year 2 you can switch to monthly billing or stay annual at a discount, and cancel any time. No long-term lock-in beyond year 1.
Are there hidden fees on cheap ebike insurance?
Not with BackPedal. The subscription bundles the tracker hardware, installation, recovery service, and insurance. Year 1 is annual upfront; from year 2 you can choose monthly or annual at a discount. £50 fixed excess on insurance claims; £0 on recovery claims; £200 on battery-only claims. The headline price is the figure.
See your real ebike price
Type your ebike's value and you'll see an instant price. The headline figure is the figure — tracker, install, recovery, battery, and insurance all included.