Ebike insurance

Cowboy insurance with the install already built in.

Every Cowboy ships with hidden GPS tracking — which means BackPedal can protect yours without fitting a thing. Sign up online from anywhere in the UK, and if the bike's ever stolen our 24/7 team turns that dot on the map into a knock on the door. Sundays-backed insurance is the safety net if recovery isn't possible, subject to standard policy terms.

  • +80%Recovery rate
  • ~48hTypical recovery time
  • 24/7In-house ops team
  • No install appointment

    Your Cowboy's built-in GPS is BackPedal-compatible. Nothing to fit, nobody to wait in for — checkout is the whole setup.

  • 15% tracker discount

    We don't fit hardware or send a mechanic, so the built-in-tracker discount comes off your quote automatically.

  • Set up within a day

    Checkout takes minutes and there's no appointment to wait for — you're fully set up within one working day, anywhere in the UK.

Watch one of our recoveries

Greenwich recovery
Quick quote

Get an instant quote

Recovery + insurance for your Cowboy — one price, no install.

No credit check · No obligation · Instant result

Trusted by thousands of families, commuters, racers and delivery riders because we do more than just insure… we recover.

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Cowboy tells you where your bike is. We go and get it.

Cowboy's anti-theft stack is genuinely good. Hidden GPS in every frame, theft alerts the moment the bike moves without you, crash detection, even an in-app theft report generator for the police. If your Cowboy is snatched, you'll know within seconds — and you'll watch the dot start moving across the map.

Then what? That's the question BackPedal exists to answer. A dot on a map isn't a recovery — someone still has to follow it, deal with the police, and knock on the right door. The moment you report a theft, our 24/7 operations team takes over the chase: live-tracking the bike, handling the police report, and deploying recovery agents to wherever it ends up. Over 80% of the bikes we chase come home, most within about 48 hours.

And if the bike genuinely can't be recovered, the Sundays-underwritten insurance handles the claim — subject to standard policy terms — so the worst case is a replacement Cowboy, not an empty bike hook and a lesson learned.

What BackPedal adds to your Cowboy

Your bike brings the hardware. The subscription brings everything that happens after the theft alert.

  • 24/7

    A human ops team

    Report a theft any hour and a handler opens a case immediately — no claim form first. Your bike's tracking feeds straight into the chase.

  • UK-WIDE

    Recovery agents

    Agents deploy to where the bike actually ends up — known handover points, vans, chop-shop routes. Nationwide, not just London.

  • BACKUP

    Theft insurance

    Sundays-underwritten cover, battery and motor included. If recovery isn't possible, the claim is handled — subject to standard policy terms.

Sign up in minutes — no mechanic visit needed

Every Cowboy qualifies, from the original models through to the Cruiser and Cross. There's nothing to fit and no appointment to book — your bike's built-in tracking does the job our mechanics usually visit to do, and the built-in-tracker discount is applied to your quote automatically.

That's also why Cowboy owners anywhere in the UK can join today: recovery operations run nationwide, and there's nothing to wait for. After checkout we register your bike's tracking with our recovery team — you're fully set up within one working day.

The one thing we ask: keep the Cowboy app connected, along with any Cowboy subscription that enables tracking on your bike. Your recovery cover runs on that tracking, so it needs to stay live.

One subscription covers recovery and insurance together: annual in year 1, then monthly or annual at a discount from year 2.

BackPedal is an independent service and is not affiliated with or endorsed by Cowboy.

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
TREK / E-MTB
RALEIGH / CARGO
TERN / LONGTAIL
TERN / FAMILY
TREK / E-MTBIN THE FRAMEUNDER STEMSEATPOST

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
BackPedal recovery operations team in the office24/7 Recovery Ops

Report 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
BackPedal recovery agents on the streetRecoveredOn its way home

Bike 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.

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 recover1:03
+70more on
the wall
Watch the recoveries

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
BackPedal
Other Bike Insurance
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.

The 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.

Wide pannier reflector — covert BackPedal tracker casing
1 of 17 disguises
Handlebar cable coverCovers any brake, gear and electrical cables whilst hiding the tracker

Browse the disguises · tap to preview

1 / 17

Rated 4.7 · 35 reviews on Trustpilot

Our customers love us

July 2026

Not all heroes wear capes...

It was past midnight and I didn't have much hope of anything happening that night… Richard answered immediately… By 5pm, Edgar had delivered my bike to my home, in exactly the same condition as it was before.

I cannot recommend this service highly enough - if you care about your bike, it's a no brainer!

July 2026

Who are you gonna call?

My Canyon e-bike was stolen… they were professional, knowledgeable, reassuring and super responsive. They kept me informed throughout the process. Most importantly, they successfully recovered my bike within 10 hours of me contacting them.

…it was like a military operation and they won.

May 2026

I can't recommend backpedal enough

To my absolute amazement, they successfully recovered my bike within 2 hours. What really stood out was the customer service; they kept me updated the entire time, providing constant peace of mind during a chaotic situation.

They've earned a lifelong customer… Truly spectacular service!

November 2025

Game changer company!

Edgar from Backpedal got our bike back within an hour of reporting the theft. The whole process was caring, professional and fast - I'm so impressed. I'd highly recommend Backpedal - since police isn't going to do anything, these guys are absolute heroes! Thank you!

January 2026

A superb team. If you have a nice bike in London its a no brainer.

A superb team from start to finish. Everyone in the office was helpful, kind, and extremely supportive. Having people on your side who know what they're doing can completely change an otherwise frustrating and futile situation into a positive one. I called in the morning and had my bike back by the afternoon. Edgar is sharp, efficient, and exactly the person you want when it comes to recoveries.

June 2026

The BackPedal team is amazing

The BackPedal team is amazing! They retrieved my bike within hours of reporting it, and made the whole process look trivial and reassuring. The experience is really like their instagram videos.

These guys are clearly professionals that can be trusted and on top of that they are super nice!

See all 35 reviews on Trustpilot

Reviews shown verbatim from our public Trustpilot profile.

Cowboy insurance FAQs

  • Which Cowboy models qualify?

    All of them. Every Cowboy ships with GPS tracking built into the frame, so every model — from the original Cowboy through the C4 to the Cruiser, Cruiser ST, Cross and Cross ST — signs up without an install appointment. Enter Cowboy as the make and the discount and install-skip apply automatically.

  • Do I need a Cowboy Connect subscription for BackPedal to work?

    You don't need any insurance sold by Cowboy — theft cover is bundled into your BackPedal subscription, backed by Sundays. What you do need is your bike's tracking working: keep the Cowboy app set up, and maintain any Cowboy subscription (like Connect) that enables tracking on your bike. Recovery runs on that tracking, so it needs to stay live.

  • How does BackPedal use my Cowboy's tracking?

    After signup, we register your bike with our recovery operations team. If you report a theft, a handler live-tracks the bike using its built-in GPS alongside our own recovery tooling, coordinates the police report, and deploys agents to the bike's location.

  • What does BackPedal cover that the Cowboy app doesn't?

    The app tells you where the bike is; BackPedal is the team that acts on it. The subscription bundles 24/7 human response, physical recovery agents across the UK, and Sundays-backed theft insurance — battery and motor included — as the safety net, subject to standard policy terms.

  • How fast am I covered?

    Signup takes about three minutes and there's no install appointment. Our team registers your bike's tracker with recovery ops and confirms by email — you're fully set up within one working day of checkout.

The tracker's fitted. Add the recovery team.

Sign up online in minutes — no install appointment, 15% built-in-tracker discount, UK-wide. See your price in 60 seconds.