If Santa leaves an e-bike under your tree this year, do you know how to insure it? In Virginia, any e-bike with a motor exceeding 750 watts of peak torque, capable of speeds over 20 mph with a throttle installed, or capable of speeds over 28 miles per hour without a throttle installed is legally considered a motorized vehicle (Virginia Code 46.2-100).

What does this mean for you? If you own an e-bike, there are several things to consider:

  1. Know which class of bike you have:

According to Virginia Law, each e-bike manufactured after January 1st, 2021 must have a label with the bike’s classification number, top assisted speed, and motor wattage. This information will help you determine if your bike is considered a motorized vehicle.


  1. Look at your policies:

While regular bicycles are covered under a homeowners or renter’s policy for liability (this pays an injured party if you’re found to be at fault for their injuries or property damage), motorized vehicles are not. Even though the state considers them motorized vehicles, e-bikes may not be covered or have very limited coverage under a standard auto policy, leaving riders vulnerable in the event of an accident.


  1. Fear not – we can help:

If you have an e-bike, let us know! We will review your existing coverage and will help you decide whether you need a separate e-bike policy that provides protection in case of damages, accidents, or theft.

E-bikes are a fun way to get around and enjoy the outdoors while saving gas (plus, parking them is much easier!). No matter how or where you ride, it’s important to protect your investment. If you’re not sure your existing policies cover your e-bike, call or email us today. We’re happy to help you understand your coverage and options, so you can ride with peace of mind.

(Link to VA code: https://law.lis.virginia.gov/vacode/46.2-100/)