Cover The Unexpected

The professional agents from Gregis Insurance Agency in Bridgeport, WV, recognize the need for insurance protection that is specific to a rider’s needs, whether a bicycle is electric-assist or pedal-power. E-bike, or electric bike insurance, is designed to protect you and your e-bike in the event of an accident or a covered loss such as theft, vandalism, or damage to the bike itself. E-bikes vary depending on the type of motor they have and how fast they can go, and e-bike insurance can work differently based on your insurer. Some insurance companies may cover e-bikes under a home insurance policy, while others may provide your bike with its own policy. Our customizable policies are a great way to help protect you and your bike or e-bike from the unexpected.

Do I Need Electric Bike Insurance In West Virginia?

Currently, West Virginia designates two classes of e-bikes:

• Class 1: Bicycle equipped with a motor that provides assistance only when the rider is pedaling, and that ceases to provide assistance when the electric bike reaches 20 mph.
• Class 3: Bicycle equipped with a motor that provides assistance only when the rider is pedaling, and that ceases to provide assistance when the electric bike reaches 28 mph.
*At this time, West Virginia does not recognize Class 2 e-bikes as bicycles.

In the state of West Virginia, E-bikes are not subject to the insurance requirements that apply to motor vehicles. However, even though insurance is not mandated, insuring your e-bike may be a smart decision. E-bikes are an investment, due to their dollar value and their reliability as a form of transportation. It’s a great idea to ensure your investment is protected against things like theft and/or damage.

Plan for the Unexpected

Basic e-bike insurance policies can provide liability and property damage coverage, but more complete policies include coverage for things outside of your control and can contain comprehensive coverage and collision coverages.

There is an unfortunate possibility that you could be involved in an accident that results in damage to your e-bike or causes medical injuries to those involved. A customized E-bike policy can protect you and your bike in the event you get hit by another vehicle, you run into another vehicle, pedestrian, or object, or your bike gets damaged or vandalized. Some e-bike policies may even act like motorcycle insurance and reimburse you if your riding gear is damaged in the event of an accident. One way to plan for the unexpected during your ride is to speak with the experts at Gregis Insurance Agency.