Ebike insuranceLive recovery
E-MTB insurance that gets your bike back.
E-MTBs combine the highest theft demand in cycling — premium components, high resale, sought-after batteries and motors — with the riskiest storage scenarios (trail centre car parks, race weekends, vans). BackPedal's cover bundles a covert tracker, recovery service, battery + motor cover, and insurance backup into one subscription.
- 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.
Why e-MTBs need specific cover
E-MTBs are a particular theft target: £4k–£8k typical values, sought-after batteries and motors that can be split out for resale, and the bikes regularly end up in unattended car parks at trail centres or in vans during race weekends. The whole-bike-to-parts conversion happens fast — often within 24 hours of a theft.
Standard MTB insurance doesn't address the e-bike specifics. BackPedal's cover bundles battery, motor, accessories, and a covert tracker — combined with active recovery, the bike is much more likely to come home as a complete bike rather than as a list of components.
Where e-MTB cover applies
Trail centre car parks
Coed y Brenin, Bike Park Wales, Glentress, Fort William — recovery service applies. Trackers report through trail-side coverage gaps.
Race & DH weekends
Theft and theft damage at recognised event venues covered. Crash damage during racing under BC licence cover.
On the bike rack or in the van
Bike-rack and vehicle storage during transit to events covered. Tracker keeps reporting in transit.
Garage / shed storage
Outdoor storage at your registered address covered — even without the strict 'immovable object' clause most insurers require.
We've recovered 800 stolen bikes — and counting.
We've recovered 79% of all stolen bikes that we've covered with a tracker.
79%
Average recovery time
2 days
Live recovery
Streatham recoveryDB075 - 242907264
Live recovery
Stratford recoveryLucy D. VOLT22130272
Live recovery
Brighton recoveryMike Baker Street FB Recovery Trek Cargo
Live recovery
Twickenham recoveryUK175
Live recovery
London recoveryZ889496
Live recovery
Hounslow recoveryVOLT22160171
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.
E-MTB insurance FAQs
What does e-MTB insurance cover?
Theft, theft damage, battery, motor, and recovery service — same as standard ebike cover but with trail and event-weekend scenarios in mind. £50 fixed excess on insurance claims, £0 on recovery claims, £200 on battery-only claims.
Are e-MTB enduro and DH events covered?
Theft from event weekends at recognised UK venues (Innerleithen, Glentress, Bike Park Wales, Fort William, etc.) is covered. Crash damage during racing typically falls under BC racing insurance rather than standard cover. Talk to us if you race regularly so we can confirm the right setup.
Is my battery covered when range-extending or charging on the trail?
Battery theft and theft damage are covered including in trail-side scenarios. If your battery's stolen separately (e.g. from a vehicle while you're on the trail), the standalone battery excess of £200 applies. Manufacturer warranty handles natural failures.
Is a £6k e-MTB worth insuring?
Almost always. E-MTBs combine the highest theft demand (high resale, sought-after components) with the highest replacement cost. The tracker pays for itself quickly — most e-MTBs we cover never become claims because recovery brings them home before parts get split out.
Is my e-MTB covered on the bike rack in transit?
Yes — bike-rack and vehicle-stored e-MTBs are covered during transit to and from rides and events. The covert tracker keeps reporting while the bike's on a roof rack or in a van. We've recovered bikes lifted from car parks at trailheads before.
Insure the e-MTB you actually ride
Covert tracker, recovery, battery + motor cover, race-weekend protection. See your price.