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What You Need to Know About Two-wheeler Insurance for Your E-Bike

By Vikas Chandra Das
11 October 2022, 1:45 PM

E-bikes are getting increasingly popular in India as the government pushes citizens to switch from two-wheelers to e-bikes since the latter is far more environment-friendly and significantly healthier for the rider than riding an engine bike.

Undoubtedly, electric scooters are a growing trend in India, and they offer a sustainable, low-cost means of transport that has become popular with people on the go. Unfortunately, as many don't know, these modes of transportation are not insured under existing two-wheeler insurance policies, and riders may need to take additional steps to cover their risk in case of an accident. 

If you're riding an electric scooter or bike, it's worth taking out a special policy to cover your specific vehicle type. While this might seem like more work than it's worth at first glance, there are good reasons why it's worthwhile.

For one thing, two-wheeler insurance often covers certain things like roadside assistance, so when riding an electric bike or motorized scooter, you'll want to make sure those benefits apply in your case too.

Importance of Two-wheeler Insurance for E-Bikes & Scooters

If you own an e-bike or scooter, you must ensure it is covered under two-wheeler insurance. The policies are relatively inexpensive and provide financial protection during an accident. These policies will not only protect your electric bike but can also make sure that you have no trouble keeping up with your car insurance payments. 

There are many types of coverage, including:

  • Injury liability
  • Physical damage
  • Uninsured/underinsured motorist protection
  • Collision coverage.

As an example, one can choose between:

  • Comprehensive coverage, which pays for any damages caused by natural disasters such as hail storms and earthquakes


  • Uninsured motorist protection, which protects drivers against accidents caused by other drivers who do not have auto insurance;


  • Collision coverage pays the costs if your bike gets damaged due to a collision with another vehicle.

Two-wheeler insurance is compulsory in most countries, with companies making you produce proof of purchase and provide contact details of the supplier to confirm that the vehicle is roadworthy.

This protects both you and the company from potential lawsuits in the event of an accident. To cover your e-bike, there are usually two ways you can go about it - by updating your existing vehicle's registration or buying a separate policy.

Two-wheeler Insurance for e-bikes

Insurance can provide peace of mind while saving you a lot of money. However, two-wheeler insurance policies do not typically cover electric bikes.

It's important to note that two-wheelers are required by law in several states. Some e-bikes may not require insurance on a mandatory basis, but having it will get you protected in the event of an accident or other unforeseen event.

Third-party Liability Cover

The third-party liability cover is the minimum insurance cover legally required by law. It provides protection against third-party liability, which means that you will be compensated for damage or injury caused to a third party if it is proven that your negligence caused this accident. The level of cover depends on the age of the vehicle. 

Comprehensive Two-wheeler Insurance Plan

Most insurers offer comprehensive two-wheeler insurance plans, which include third-party liability, property damage, personal accident, and more. While these plans will cost you more, they provide peace of mind and give you the proper protection should anything happen to your e-bike.  These policies also typically cover theft, loss or accidental damages with no deductible. 

The only problem is that many people don't know about this coverage and end up paying hefty fines. And while it's important to know what kind of policy you have so that you can be aware of any gaps in coverage, make sure to get a clear picture before you pay those higher premiums - because if something does happen to your bike, it could be too late.

Read more - Tips to Choose the Best Electric Bike Insurance Company

What Should You Know About E-bikes?

Your e-bike is not just a motorized vehicle and may need to be insured differently. Generally, your e-bike will be classified as a motorcycle and, therefore, subject to all the laws and restrictions. 

Please speak with your insurance provider and ask it what it requires you to insure your two-wheeled electric bike. Generally, you will have a deductible in place if something were to happen that you would then file a claim for accidental damage or theft.

  • E-Bikes Cause No Pollution

The power of an e-bike comes from a rechargeable battery that emits zero pollutants when used. These bikes are powered by clean energy and are more environmentally friendly than gas-powered vehicles as they do not emit poisonous gases like carbon dioxide, sulphur dioxide, etc., as exhaust fumes. They also produce less noise and vibration than traditional motorcycles.

  • E-Bikes are Expensive

Electric bikes cost a lot of money upfront but can save on fuel costs over time. Your savings could add up quickly depending on how much you ride and how far you go! If money is tight, consider purchasing an inexpensive bike for commuting. Many different models are available today, meaning there's something for everyone!

  • E-Bikes are Silent, Making Them More Prone to Accidents

The lack of sound associated with an e-bike makes it difficult for other drivers to hear when you are approaching. To help avoid this issue, always ensure your headlights and taillights are on at night so that others know where you are coming from.

  • The Proliferation of Charging Stations

The gradual proliferation of e-bike charging stations also ensures you do not have to worry about staying on the go while commuting for daily purposes, such as to and fro from your office. 

Key Takeaways

There are a lot of reasons you might want an e-bike. Whether it's because they're cheaper to operate, more environmentally friendly, or make the commute easier - there are plenty of good reasons. Make sure you know your way around bike insurance to protect yourself.  

The most important thing is to get covered under two-wheeler insurance as this will protect you from all accidents on the road and provide some valuable benefits like accidental death coverage, medical and disability benefits, etc.

Get in touch with your insurer if you need assistance or advice on going about things!

Read more - Two-wheeler Insurance for Electric Scooters - A Complete Guide


1. Does two-wheeler insurance cover an e-bike?

It does cover e-bikes against unfortunate incidents on the road. However, e-bikes of less than 250 MW and a top speed of 25 kmph do not require mandatory third-party insurance.

2. What if my e-bike falls in the water and gets completely wet?

In this case, your bike will also be covered against flood-related damages, and you won't have to pay anything extra.

3. Can I get compensation if I am involved in an accident on my e-bike?

Unfortunately No! However, other benefits, like free hospitalisation and cashless claims, are available to ensure customer satisfaction. 

4. How much does the two-wheeler insurance cost for my e-bike?

The rates depend on various factors such as age, type of bike, etc. But usually, the premiums are pretty low when compared to traditional bikes.

5. What if I want to cancel my policy?

It's easy enough - give the insurance company a call or write it an email telling it what you want to do.


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