Do I need e-bike insurance? And what does it cover?

All your Riese & Muller e-bike questions answered

Do I need e-bike insurance? And what does it cover?

In the UK an electric bike benefits from the same exclusions as a traditional bicycle; this means that you are able to ride your electric on public roads and bridleways without the need for tax, insurance, MOT certificate or a driving licence.

This offers users a substantial saving when compared to a car or motorcycle. And the feeling of having beaten the system causes extreme smugness. But, as electric bikes can be valuable assets, users may choose to insure them against, theft, damage or in the event they should cause an accident whilst using them, and there are a few different options for doing this.

Give us a call today to discuss your insurance options!

Should I get e-bike insurance anyway?

The main concern we hear from customers who buy an electric bike is that it will be stolen. This is a rare event, but there are a few basic steps you can take to help stop this happening:

1. Firstly, using a good quality lock that attaches your bike to an immovable object is a must if you intend to leave it in a public place unattended for any period of time. Opportunist thieves are only going to take something that is easy to remove. There are now several locks on the market with built-in alarms which activate when the lock is moved. This could be enough to put off a thief, or will at least draw unwanted attention to them when it goes off.

When storing your bike at home in a garage or shed consider installing a ground anchor. This is simple device, preferably fixed into a concrete floor, which you can use to lock your bike to.

Abus lock fitted as standard
ABUS cafe lock fitted as standard

2. Secondly, consider listing your bike on your home insurance. Most home insurance covers you for more valuable assets like jewellery, laptops, phones or bikes when they are used away from the house, but they require you to list them individually and provide a valuation. In the case of a bike, they may also ask for a frame number and proof of purchase, and require you to lock the bike with a type of lock they specify.

It’s worth checking what your current insurer requires, but this can often be a cost-effective way of insuring against theft, even if there is an additional premium to pay.

If you wish to insure your bike against more than just theft, there are a number of providers on the market like BIKMOCycleplan or Cyclesure, who can provide you with tailored insurance packages. These are great as they can cover both you and your bike in the case of an accident or or theft, but they do come with a little extra cost.

Electric bike insurance
Add your e-bike to your current home insurance policy

3. Lastly, if you should be unfortunate enough to be involved in an accident with another road user, don’t forget to follow the same process as you would when driving a car. Be sure to take the drivers details, registration of the vehicle and their insurance details. If the police weren’t in attendance, contact them to report the accident and get an incident number.

If you believe the accident was not your fault, you can get in contact with CAMS who will be able to assess and process your claim. You don’t need to be a member, or have purchased any prior insurance policy from from them to benefit from their services.

E bike insurance

It is worth bearing in mind that most people will not suffer a loss or accident when riding a bike, and the vast majority of time riding a bike is an enjoyable and very safe activity.

If you would like more information on any of our Riese & Muller electric bikes call EDEMO on 01453 834300email or follow the link to book an appointment.

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DualBattery 1250

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DualBattery Technology perfected by Riese & Müller ensures twice the range or far higher climbs, fewer charging breaks and longer-lasting riding pleasure.

With the 1,250 Wh now available, completely new destinations can be reached and you no longer have to worry about the range in your daily routine.

DualBattery 1000

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DualBattery Technology perfected by Riese & Müller ensures twice the range or far higher climbs, fewer charging breaks and longer-lasting riding pleasure. With the 1,000 Wh available, completely new destinations can be reached and you no longer have to worry about the range in your daily routine.

Additional Chain Lock with Bag

Additional chain lock with bag

The sturdy Abus chain lock, in addition to the Abus Shield frame lock, provides twice the security for your E-Bike. The 130 cm long chain is latched onto the frame lock and you can quickly lock your bike to the nearest lamppost or lock it together with up to three other bikes. The chain thickness of 6 mm ensures a high level of anti-theft protection.

Especially practical: frame lock, chain lock and battery lock all use the same key. The bag is firmly attached to the saddle and allows quick and easy removal of the chain lock thanks to its ergonomic shape and Fidlock magnetic closure.

Please note: for smaller frame sizes the lowest saddle position may not be usable when the lock bag is fitted.

Smartphone Hub Cockpit

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The Bosch SmartphoneHub and free app turns your smartphone into an E-Bike display which combines smart navigation with live weather, fitness data and much more. Your smartphone’s standard functions are perfectly integrated and can be operated from the handlebar. The Bosch SmartphoneHub is just as perfectly integrated into the tidy minimalist cockpit with internal cabling and adjustable stem angle. And if you leave your smartphone at home, the permanently fixed display also shows the key riding data.

Please note: This option is not compatible with rohloff and HS models.

Bosch eBike ABS

With Riese & Müller Control Technology you are sporty, safe and comfortable on the road. In addition, the ABS option ensures optimum control even in the event of sudden braking. It prevents tires from slipping, the rear wheel lifting and the whole bike skidding out to the side. The proven technology from the world of cars and motorcycles is now also available for your E-Bike.

Please note: This option is not compatible with rohloff models.

GX option with Fox suspension

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Air suspension upgrade (Fox Float)

The Fox Float air suspension fork with 140 mm travel offers optimum riding conditions for discerning cyclists. The GRIP damping system reliably absorbs shocks from stones, sticks or roots lying on the way and effortlessly compensates for unevenness. With 15 finely adjustable rebound damping levels, this excellently manufactured air suspension fork can be tuned to any undertaking – whether uphill, downhill, field and forest tracks or asphalt.

GX Option

If you like riding your E-Bike off-road, then simply equip it with a first-class off-road package. The Suntour Aion air suspension fork with 140 mm travel reliably absorbs shocks and effortlessly compensates for any unevenness on the terrain. The solid tire studs on the shoulders of the Schwalbe Johnny Watts tires guarantee outstanding grip, especially when cornering. The wide VP 538 flat pedals provide grip for your feet. The sporty saddle an the adjustable X-Fusion Manic seatpost simply make off-road riding an absolute joy.

AIR SUSPENSION UPGRADE

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Air suspension upgrade (Fox Float)

The Fox Float air suspension fork with 140 mm travel offers optimum riding conditions for discerning cyclists. The GRIP damping system reliably absorbs shocks from stones, sticks or roots lying on the way and effortlessly compensates for unevenness. With 15 finely adjustable rebound damping levels, this excellently manufactured air suspension fork can be tuned to any undertaking – whether uphill, downhill, field and forest tracks or asphalt.

REAR CARRIER

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Rear carrier for Riese & Muller bikes - as standard

Your cargo is co-sprung by attaching the carrier to the main frame and Control Technology. Vibrations and hard impacts, such as on cobblestones or pavement edges, are simply smoothed out, increasing riding safety even with a heavy load. The carrier is equipped with the Basil MIK system. Baskets and panniers can be fixed to it with a single click. This extraordinarily stable system lets you quickly swap bicycle accessories fitted with a MIK adapter plate. Accessories can be obtained from EDEMO Electric Bikes.

Pannier rack

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Pannier rack for Riese & Muller bikes

The minimalist pannier rack is ideal for fixing panniers weighing up to 5 kg each. The rear and brake lights are unobtrusively integrated into it. The “Form follows function” design principle has been exceptionally well executed with the pannier rack.

Front carrier rack with Bag

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Riese & Muller front carrier rack with bag

Keep on the move and still have everything with you. You can secure up to 5 kg of luggage on the front carrier, which is fixed to the frame and hence benefits from the bike’s full suspension, perfectly protecting your cargo from knocks and bumps. The bag offers space for a volume of up to 18 litres. Thanks to the zipper and roll closure, your transported goods are perfectly protected from dirt and rain. The bag can be removed quickly and easily and becomes a shoulder bag using the strap supplied. You can safely store smaller items in the two outer pockets equipped with waterproof zippers.

Front Carrier

Riese & Muller Front Carrier
Riese & Muller Front Carrier

Being sporty when out and about – and yet still having everything you need with you. You can secure up to 5 kg of luggage on the front carrier, fixed to the frame and hence co-sprung, perfectly protected from knocks and bumps. Bungee cords secure a sleeping bag, small sports bag or provisions in place in no time at all. And you’ll come to appreciate your front luggage carrier just as quickly.

Comfort Kit

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Comfort Kit on the Homage

The perfect option for anyone wanting to ride in greater comfort: the classically curved handlebars and wider saddle enable you to sit comfortably in an upright position.

The Kiox Display

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Kiox Display shown on the Riese-and Muller Charger3

The Kiox display is perfectly integrated into the cockpit: the internal cabling creates a tidy, minimalist appearance. The adjustable angle of the stem lets you choose from a sportier or more upright seating position. The Kiox display includes different training modes and is perfect to use with tactile pressure points on the control unit. Heart rate monitors can be linked by Bluetooth. The scratch-resistant Gorilla glass makes the small Kiox exceptionally robust. Map-free navigation (only in conjunction with a smartphone) completes the features of the Kiox.

No cockpit (Intuvia Display)

The E-Bike is equipped as standard with the Bosch Intuvia display, giving you full control and a perfect overview at all times. It provides information about battery status, range, daily mileage, total mileage, ride time, current motor power, time, speed and average speed – clearly legible in any level of sunlight. It is operated by a control unit conveniently mounted on the handlebar grip.

The Nyon Display

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Nyon display unit shown here on the Riese & Muller Multicharger

The Nyon display is perfectly integrated into the cockpit: the internal cabling creates a tidy, minimalist appearance. The adjustable angle of the stem lets you choose between a sportier or more upright seating position. The Nyon display ensures that you are fully connected and ideally equipped with navigation for every tour or day-to-day ride. The colour display, with its intuitive touch function, is very simple to use and, thanks to being robust and easy-to-read, is guaranteed to get you to your destination in any weather. The user interface can be customised to your needs.