Nearest broker: Searching for a broker nearby…
Nearest broker: Tweed Phone: (613) 478-2532 Sunderland Phone: (705) 357-3916 Sudbury Phone: (705) 523-2030 Penetanguishene Phone: (705) 549-7437 Ottawa Phone: (613) 733-3312 Parry Sound Phone: (705) 746-2441 Orillia Phone: (705) 325-4234 Kemptville Phone: (613) 258-5991 Eganville Phone: (800) 884-1045 Petawawa Phone: (613) 687-4805 Belleville Phone: (800) 361-0941 Winchester Phone: (800) 487-3706 Wellington Phone: (613) 399-3620 Trenton Phone: (877) 455-0299 Prescott Phone: (877) 504-3569 Picton Phone: (888) 475-2776 Peterborough Phone: (800) 958 2270 Perth Phone: (877) 248-1222 Pembroke Phone: (877) 399-3299 Oshawa Phone: (800) 887-7309 North Bay Phone: (705) 475-0001 Napanee Phone: (613) 354-2152 Morrisburg Phone: (800) 806-0746 Midland Phone: (888) 737-6465 Madoc Phone: (613) 473-5266 Kingston Phone: (800) 590-5422 Gananoque Phone: (800) 932-2131 Embrun Phone: (866) 853-4740 Crysler Phone: (888) 292-7098 Cornwall Phone: (844) 463-3616 Cobourg Phone: (800) 895-5902 Carleton Place Phone: (888) 237-9517 Brockville Phone: (888) 345-8663 Brighton Phone: (613) 475-1430 Barry’s Bay Phone: (866) 845-2123 Barrie Phone: (705) 726-3350 Bancroft Phone: (800) 994-0036 Arnprior Phone: (800) 668-7337
Get a Quote
Open Menu
electric bike

Do You Need Insurance for an Electric Bike in Ontario?

Before we get into things we should probably clarify what an electric bike or e-bike is! An electric bike is a bicycle that is equipped with an electronic motor that can be powered to assist the rider and make pedaling less challenging. An E-bike, because of this motor, is different than a standard pedal bicycle and it is also not considered a scooter or motorcycle. An electronic bike currently has its own classifications and set of rules in Ontario. They also tend to be more expensive than a standard bicycle because of the motor.

Can Anyone Ride an Electric Bike?

The short answer is no. Ontario has implemented certain rules and guidelines for e-bikes. In Ontario there is a minimum age requirement of 16 years to be able to ride an E-bike. You are also required to wear a helmet while riding an electronic bike. You do not need a specific license to be able to ride an electronic bike.

Do I Need Insurance for My Electronic Bike?

Unlike a private passenger vehicle in Ontario, insurance is not required for an E-bike. However, it does not mean you do not require at least some form of insurance protection.

If you have home or property insurance you likely have built in contents coverage that would cover you for fire, theft or other losses to your electronic bike. This coverage is subject to your policy limits which often times is not enough to cover the entire value of an E-bike. Most E-bikes are quite expensive compared to traditional bicycles. On the low end you can purchase them for just over $1,000 but the average E-bike falls in the $3,000 – $4,000 range and some are up around $8,000 – $10,000. Clearly not a small expense. Even though you may have some coverage built into your home insurance policy you should check with your broker to see if you have adequate limits. If the standard limits are not sufficient it may be beneficial to look at increasing those limits.

Your home insurance policy covers you from perils like fire and theft but what happens if your E-bike is damaged in an accident? Great question! Because an electronic bike is not considered a motorized vehicle that needs to be registered in Ontario you do not need an automobile policy. An auto policy would typically have collision coverage along with accident benefits included in it, which is where this protection would be. However, for an electronic bike the damage would actually still be claimed under your home or property insurance, under the property damage section, even if it was while you were riding the E-bike. One important thing to note is that if you file a claim it will be considered a home insurance claim, this may change your rating.

If there are injuries involved in the accident your property insurance coverage will still come into play and you will have protection under the liability insurance. We always recommend carrying a minimum of $2,000,000 in liability insurance on a property policy, it can be very useful in situations such as this.

What if I Don’t Have Property Insurance?

If you do not have property insurance getting coverage for your E-bike is tricky in Ontario. Currently there is only one company who offers stand alone electronic bike coverage. They are called Pedal Power. You can get a quote from them here. The benefit to having stand alone E-bike insurance is that if you have a claim you will be able to file it through your E-bike policy rather than your home insurance. If you have any questions about electric bike insurance, contact your broker!


No comments found.
Anonymous User

Leave a Reply

Your email address will not be published. Required fields are marked *


You Might Want to Read

The Secrets of Ottawa Car Insurance
You are mandated to carry auto insurance as a driver operating a motorized vehicle on public roadways in Ottawa.  Car insurance is mandatory in all...
The Risks Covered by Ottawa Home Insurance
Are you a homeowner looking to protect your property? If so, purchasing home insurance in Ottawa may just be the answer. Home insurance is a...
How to Transfer Vehicle Ownership in Ontario?
Every vehicle in Ontario that is used on the road is required to have a registered vehicle ownership, or the green piece of paper most...
Request a Free Quote

It’s simple and won’t take long.

Get a Quote800-361-0941

Person standing, looking down at laptop