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Electric motorbike and scooter insurance

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What’s an electric motorbike?

An electric motorbike, scooter or moped looks the same as its petrol counterpart, but it’s powered by a battery and electric motor rather than an internal combustion engine (ICE).

Instead of filling up with fuel, you charge your bike’s battery by plugging in.

You can charge them from a household socket or a special charging unit at home or at work. You can also find public charge points in places like shopping centre car parks, service stations or supermarkets.

Electric motorbikes haven’t taken off quite as quickly as electric cars. But they’re becoming more popular on our roads as the technology improves.

Do you need insurance for an electric motorbike?

Yes, if you plan to ride your electric motorcycle on the road, you’ll need to insure it.

As is the case with petrol motorcycles, third party insurance is the minimum cover to be road-legal.

Why buy an electric bike?

Pros


  • They don’t emit polluting gases like petrol bikes, so are more environmentally friendly
  • Electricity is cheaper than petrol. Depending on your energy supplier, you could travel 100 miles for less than £1 if you charge your bike at home according to popular electric motorbike maker Super Soco
  • Most electric motorcycles and mopeds qualify for the government’s plug-in grant. This pays for 20% of the purchase price of a vehicle, up to a maximum £1,500. The discount is applied at the point of sale by the dealership
  • They’re exempt from road tax
  • Small city-commuter electric motorbikes and mopeds are ideal for nipping around town and manoeuvring in city traffic
  • The instant torque of the electric motor gives your bike super-fast, sharp acceleration
  • There’s less noise and vibration on your ride
  • With no oil changes, air or oil filter, spark plug and timing belt changes to worry about, electric motorcycles require a lot less maintenance and repairs

Cons


  • They’re expensive to buy, though electric mopeds are a more affordable option
  • Some electric motorbikes and scooters have a restricted top speed of 28mph/45kph. This is great for urban and city commuting but not practical on faster roads or for long journeys.
  • With smaller batteries than electric cars, their range is less. Some have a range of around 40 miles /64km. But others can travel over 100 miles on one charge
  • They can take a long time to fully charge, often eight hours
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