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 BIKMO, Cycleplan 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.

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 834300, email or follow the link to book an appointment.

Talk with an e-bike specialist

Talk with one of our helpful e-Bike advisors on 01453 834300 or fill out the form below with your message. We’ll be more than happy to help you in your search for your dream e-Bike.

Many people have been in the position you are now, looking for their dream bike. Be assured that once you get in touch, we will treat you with the best customer service, just like we did for them. Don’t just take our word for it, read what 177 customers say here with an average 5.0 star Google review rating.

Call one of our knowledgeable advisors on 01453 834300 or complete the form below.

Join the EDEMO e-bike community

We’re always out and about on our e-bikes, testing new models and kit or just exploring.

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Download our Riese & Müller E-BIKE buyer's guide

Oliver B.

1692635112

Had a great experience with Edemo, they brought the bike to us for a demo ride, when the bike did arrive at the shop they spend 30 minutes taking me through all of the different bits of kit and functionality. Will be back in six months for my first service.

John W.

1692546766

After making the arrangements, on Sat 5th August I travelled 110 miles from Ammanford to Edemo's, Nailsworth to view a Reise & Muller Homage with Rolhoff and Gates carbon belt. I was met by AJ one of the employees. The shop was very clean and tidy and full of R&M ebikes. AJ spent the next two hours explaining the bike in detail and ensuring the bike fitted me. There was no pressure to buy but it was the ebike I wanted. Having had other ebikes previously this R&M Homage was on another level. I bought the bike. I have used the bike regularly since and I am now fully conversant with it and enjoying it much more than other ebikes I have owned. I am 80 next month so it will certainly see me out. Thankyou AJ and Edemo for a wonderful personal service. Highly recommended R&M ebike shop.

robin T.

1692358327

Top quality bikes and top quality service.The perfect combination

Mike C.

1691830853

I recently bought a new e-bike from EDEMO and I couldn’t fault any aspect of the buying process. My first contact with EDEMO was via the excellent website which answered most of my questions about e-bikes and the Riese Muller range in particular. I followed up with email and telephone questions which were answered promptly and helpfully. After that I visited the Nailsworth showroom to see the bikes, and test ride the two I was most interested in buying. The Nailsworth showroom is in a great location with free parking and some ideal roads/tracks nearby to test ride the bikes. All the staff I dealt with were friendly, knowledgeable, and helpful and the handover of my new bike was reassuringly thorough. A premium product needs premium service and that is exactly what EDEMO delivered.

Michael C.

1690052871

Having just taken delivery of a R&M Superdelite from Edemo, I’m sufficiently impressed to praise both the bike and the supplier.As anyone contemplating an R&M machine knows, they ain’t cheap. Quite the opposite in fact, they are of the highest quality of design and manufacture, and as I’m discovering, worth the price tag. My first day out on the bike in the Yorkshire Dales was a joy (in spite of the weather). Very comfortable, stable, easy to ride and managed anything my two daughters were riding on their full on MTBs. I have a little more practice to work on the gear shifts and the intricacies of the Nyon display, but overall I was delighted (oh yea) with the SuperD. Liking the seat post and side stand a lot….there are a lot of gates to open in the Dales ;-)As far as the supplier, Edemo, goes, they too deserve a shout out for excellent service. Their videos leading up to the purchase told me virtually all I needed to know, and what they didn’t, was carefully explained to me by phone; I thank them for their patience (I can be a bit nerdy on the techie stuff). I actually learnt more from their website, than from the main R&M site. Alas, there was a lost small part at delivery, but that was sent next day, so thumbs up to all the team at Edemo.Although I’ve only had the bike a week, all in all, from original enquiry to delivery of the bike, I thoroughly recommend both R&M and their excellent distributor Edemo; tip top !

Mark E.

1689887913

It took me over a year to finally purchase a new electric bike. After owning two bad examples a few years ago, I was keen to find a durable, good quality bike. Repeated internet searches finally directed me to the well made and high specification brand Riese and Muller and to the friendly and knowledgeable team at Edemo Electric Bikes. It was reassuring to learn that they are Riese and Muller riders themselves and this gave me confidence in their unhurried advice, given without any pressure to make a snap decision. Home delivery was an added bonus and I am most pleased with my purchase.

Stuart P.

1689748730

I recently decided to buy a Riese and Muller Superdelite and chose to get it from Edemo. I did so because they have produced a series of informative, inspiring and entertaining videos which helped me choose the right model and cement my decision to buy. Having made contact I found the team to be endlessly patient, accommodating and honest about everything even when it wasn't always in their best interest. I had to travel over 200 miles to buy at Edemo but it was worth it to get this level of service.

Ade H.

1689636844

HiI purchased the Novo4 GT Vario step through around three weeks ago. I am a 17 stone overweight 76-year-old, and have absolutely no problem getting around on this bike.I've managed every hill I come to, and have also managed to get double the mileage it's supposed to do. I did a 40 mile ride a couple of days ago and still add 40% of the battery left.This bike is a joy to ride, and I really enjoy getting around on it.Using the batteries auto mode, which rates the battery as being capable of doing around 25 miles. Rarely for devices that are battery powered, this bike actually underestimates the mileage the battery is capable of producing.Just turning the pedals and letting the bike to all the work, might possibly reduce the range to 25 miles in a very hilly terrain. I however, like to get some exercise in, and although I use the bike in the sense that having an electric motor makes it a lot easier to cycle than a normal bike. This bike makes every ride, a very easy ride.This is my fourth electric bike, the first two being Halford nasties, my third which lasted for the last nine years being a Kalkoff (German-made and being so reliable, it prompted me to purchase another German bike.The Reece and Muller N0V0 4, it is very comfortable ride, it has very bright lights, excellent brakes, a built-in lock on the back wheel, thick tyres, an excellent display on the handlebars and overall is very sturdily and very well made.10/10

Chris N.

1689407976

Great experience throughout the process. Definitely recommend.

david N.

1689357446

Very helpful and knowledgeable. Great high end bikes options.

ian R.

1688553612

First class customer service from the whole team at Edemo. We spent hours with Johan test riding the full range of bikes before settling on our preferred options. Communication with Jen about the purchase and delivery was first class. Delivery was exactly as promised and AJ spent time making sure we understood everything at the point of hand-over. A great experience from start to finish and I have every confidence that if I have a problem, Edemo will help sort it 👌

L G.

1688491314

Dan and Duncan could not have been more professional and knowledgable. Not once did they try a hard sell but genuinely want a customer to get a bike that’s right for them. If you’re lucky enough to find your bike at Edemo you’ll also have new Friends!

Mark C.

1688375980

If you are thinking of buying a Riese and Muller bike, the only place to get it from is EDEMO Electric Bikes. Having recently purchased an UBN Five silent, the customer service is second to none. From the initial ordering process with Jen, to AJ delivering the bike and going through the various settings making sure I was happy with everything, they really do care about their customers. The best experience I have had in buying a bike.

Alice A.

1684740087

I came across these guys as I couldn't find a stockist in Scotland who did the bike I was looking for. From the get go the staff were really helpful, I mostly dealt with Jen, they didn't bat an eyelid at my many requests and changes including delivery to central Scotland - working around my timescales. Brilliant service!

Neale B.

1683894820

Great service from choosing the correct model to delivery and tuition - all part of the service which is Platinum

Preston S.

1682507724

Lots of good advice, no pressure and plenty of opportunity to road test bikes. I was on a break in Glos and called in to EDEMO, having previously watched a number of their very useful you tube videos about Riese & Muller bikes. Two days later my chosen stock bike was prepared and paid for and a week later delivered to my address in Cumbria. Faultless. A pleasure dealing with them. The bike is great too!I would recommend.Thank you

Michael D.

1682274189

Excellent service. Dan guided me through all the choices, Jen organised the delivery and kept me updated, and AJ delivered the bike and got me set up and going. The team let me know I can come back to them anytime for any help or support I might need.

Mike R.

1681987430

I had a test ride booked and was pointed to a very steep hill to try the bike on and then a reasonably flat cycle-way to give me an idea of different riding scenarios. Enjoyable test ride. Got back to the shop and had a talk about the bikes and tried a different model. I got some very helpful advice, decided on the bike and purchased it. They delivered the bike to my home and spent some time running through all the features and adjustments I could make. Very happy with the bike and the service from Edemo.

Mike M.

1677260519

Nice shop, good selection and helpful staff, good place to buy a bike.

John H.

1675859607

It was such a pleasure to buy my bike from Edemo after years of dealing only with internet based suppliers. I used the Bristol based office/workshop and enjoyed the entirely personal service provided by AJ who also delivered my bike to me when it was ready and explained how to operate and maintain it. In particular I felt reassured that Edemo would continue to provide support during my ownership of the bike. Great service throughout!

Charlotte C.

1675791717

Dan and the team at EDEMO were super helpful in getting my new bike sorted. We found them really knowledgeable, and honest in how they helped me choose; finding something that would be exactly suited to what I needed, not just the most expensive option in the shop. The process of trying out bikes and chatting through everything was enjoyable. For me, the Riese & Muller range that they stock encompassed great options. Using only one supplier did make the process more straightforward than at other places as EDEMO could provide a wider range of options rather than just having lots of very similar bikes from different suppliers. Dan was helpful in organising what we needed so we could use the cycle-to-work scheme. The pick up process was thorough and thoughtful, making sure I had everything I needed and knew all the ins and outs of the bike.

Mark A.

1675435853

A top team! Really know their products, are willing to invest the time in helping you understand them as well. One of the best sales and service experiences I’ve ever gone through! Now bought two bikes from them! Just cannot fault any aspect of their service delivery.

Timm

1674989277

Another 5* review from me.If you were on the fence of spending the extra £££ on a R&M, visit the shop and test ride one of their bikes. They seem to have most, if not all their models in store.Very friendly service too :).

Ben R.

1674056195

Excellent purchase process with no pressure. Edemo were patient and happy that I wanted to try many different makes of cargo bike before deciding which one to purchase.. In my view, for my needs, the R and M Load 75 was superior in all respects. Since purchase the bike has exceeded my expectations