Do You Need Insurance For Your eBike In Canada?

Finding the right eBike is a great idea since it can help with commuting and just relaxing after a hard day at work. However, the fact that you’re driving this on the road very often means you need to stay safe and protect yourself the best way you can. That’s why it can be a very good idea to find eBike insurance options.

Is eBike insurance mandatory in Canada?

The short answer is no. Based on the Motor Vehicle Act, if you have a regulated eBike, then you don’t have to insure or register it. That being said, the eBike needs to be regulated. There are specific requirements for that. In this case, the motors need to be electric, they must have a continual power output rating of under 500W, and they shouldn’t be able to propel the motor at over 32km/h.
When it comes to the wheels, they need to be 350mm in diameter or more, and you can’t have more than 3 wheels touching the ground at once. There are also motor shut off requirements, the motor needs to disengage if you stop pedaling, if you apply a brake or you release the accelerator controller. The eBike also shouldn’t have a generator or alternator. The braking system needs to be able to operate at up to 30 km/h, and it has to stop at up to 9m from the point. And lastly, any electrical terminals on the eBike need to be covered or insulated.

What happens if your bike is not regulated?

If your bike is regulated, it will not require insurance, but you can still get it. However, many insurance companies won’t work with you if you have an unregulated bike. Every insurance company has its fair share of requirements, so it’s a good idea to ask for a quote and see what they cover. With that being said, you can talk with your home insurance agent and see if you can add the eBike to your current insurance plan. That might actually help you save quite a bit of money.

How much doe eBike insurance cost in Canada?

That depends on the cost of the eBike, but also your claims history and other factors. eBike insurance can be $100, but it can also be $800 per year, according to the different factors insurance companies take into account. Of course, if you have an inexpensive eBike, it will fall in the former category, so you won’t have to spend a whole lot.

It’s a good idea to obtain eBike insurance because you never really know what can happen while on the road. We recommend finding the ideal eBike insurance plan that covers everything you need while keeping you safe. Focus on finding services that deliver the best value and safety, as that’s what matters the most.