E Bike Insurance for Manufacturers Importers Retailers Repairers and E Bike Businesses

No. This page is aimed at businesses working with electric bikes, including manufacturers, importers, retailers, repairers, conversion specialists, online sellers, battery businesses, hire operators and commercial fleet businesses.

Potentially. Tell the broker what is manufactured, where production takes place, annual turnover, stock values, battery involvement and whether completed bikes are sold under your own brand.

Potentially. The broker should know which components are bought in, where they originate, what assembly and testing takes place and who supplies the finished product to the customer.

Potentially. Importers should disclose the countries of origin, overseas manufacturers, products imported, values, branding and whether products are modified after arrival.

Potentially. Wholesale turnover, stock concentration, customers and distribution arrangements should be accurately described.

Potentially. This can include UK distributors representing overseas brands and businesses distributing several manufacturers.

Potentially. Tell the broker about the showroom, stock, workshop, employees, customer bikes, test rides and any repair or conversion services.

Potentially. Online businesses can sell complete e-bikes, batteries, chargers, conversion kits, components and accessories through their own websites and marketplaces. Related online-business information is available here: Website And Online Business Insurance

Potentially. Home-based retailers, online sellers and repairers should disclose whether the home is used for administration only or also for stock, repairs, assembly, customer bikes or battery charging.

Potentially. Tell the broker whether the garage stores bikes and stock or is also used for repairs, electrical work, charging or assembly.

Potentially. All commercial activity and business property held there should be disclosed.

Potentially. The broker should know what is stored, values, security, battery quantities and whether charging takes place there.

Potentially. Stock can include complete bikes, boxed bikes, batteries, chargers, conversion kits, motors, controllers, frames, parts and accessories.

Potentially. Battery type, number, value, storage and charging arrangements can all be significant to insurers.

Potentially. Businesses manufacturing, importing, distributing or retailing chargers should describe their role in the supply chain.

Potentially. This can include battery manufacturers, assemblers, importers, distributors, retailers, diagnostic businesses and refurbishment specialists.

Potentially, subject to insurer appetite. The broker should understand exactly what work is undertaken on battery packs.

Potentially. Battery repair can create a materially different exposure from ordinary mechanical bicycle repair and should be clearly disclosed.

Potentially. This can include kit manufacturers, importers, wholesalers, retailers and installation businesses.

Potentially. Tell the broker what kits are fitted, battery and motor types, whether customers supply their own kits and how finished conversions are tested.

Potentially. Mobile work, tools, customer bikes and electrical installation should be disclosed.

Potentially. The insurer should understand that conversion work forms part of the business rather than assuming it undertakes only normal bicycle servicing.

Potentially. Repair activities can include mechanical repairs, electrical diagnostics, motors, controllers, displays, sensors, wiring and conversion systems.

Potentially. Mobile mechanics may visit customer homes, workplaces and fleet depots carrying tools and replacement parts.

Potentially. Tell the broker whether customer bikes are brought to the home and whether battery charging or electrical repairs take place there.

Potentially. The broker should know both the maximum individual bike value and total customer-bike value held at any one time.

Potentially. Premium e-MTBs, cargo bikes and bespoke bikes can have much higher individual values and should be declared.

Potentially. Tell the insurer whether customers ride on private land, public roads or other locations and how demonstrations are supervised.

Potentially. The business should disclose whether staff test ride customer bikes and where this takes place.

Potentially. Transporting customer bikes creates additional transit and handling risks.

Potentially. Tell the broker whether bikes are simply resold or repaired, upgraded, converted or refurbished before sale.

Potentially. The extent of refurbishment should be disclosed, especially where batteries, motors, controllers or wiring are replaced.

Potentially. Stock values and any refurbishment before resale should be included.

Potentially. Tell the broker about used-bike values and what checks or refurbishment are carried out before resale.

Potentially. This can include manufacturers, importers, retailers, repairers, fleet suppliers, hire businesses and commercial operators.

Potentially. Production methods, components, batteries, testing and product supply should all be disclosed.

Potentially. Tell the broker about stock values, test rides, repairs and commercial customers.

Potentially. The broker should understand fleet size, use, storage, charging, maintenance and who operates the bikes.

Potentially. The business model, goods carried, fleet arrangements and rider responsibilities should be accurately described.

Potentially. Tell the broker about the bikes, riders, delivery activities, ownership and maintenance arrangements.

Potentially. The insurer should know fleet size, bike values, customer use, maintenance, storage and charging.

Potentially. This can include holiday destinations, visitor attractions, hotels and leisure operators.

Potentially. The wider hospitality operation and bike-hire activity should both be disclosed.

Potentially. Tell the broker whether bikes are owned directly or supplied by another company.

Potentially. Long-term rental, maintenance responsibility and fleet values should be described.

Potentially. The broker should know who owns, operates, maintains and stores the bikes.

Potentially. Shared mobility operations may need specialist consideration because of fleet size, public use and multiple storage or charging locations.

Potentially. This may include technicians travelling to depots or customer premises to service fleet bikes.

Potentially. Parts businesses can supply motors, controllers, displays, sensors, brakes, wheels, drivetrain components and electrical items.

Potentially. Accessories might include locks, trackers, panniers, racks, cargo boxes, helmets and security products.

Potentially. Tell the broker whether the business simply retails security products or also installs them.

Potentially. Installation activities and electrical work should be clearly described.

Potentially. Tell the broker about instruction, locations, participant numbers and whether bikes are supplied.

Potentially. The insurer should know routes, terrain, participant experience, bike ownership and whether equipment is hired to customers.

Potentially. Off-road activities, terrain and instruction should be disclosed.

Potentially. Tell the broker about test rides, temporary venues, customer participation and equipment used.

Potentially. The business should disclose both its manufacturing and retail activities.

Potentially. This is a common combined business model and both the import and ecommerce exposures should be described.

Potentially. The insurer needs the full business description rather than simply “e-bike shop”.

Potentially. Online turnover, stock values and products supplied should be included.

Potentially. Marketplace sales, products supplied, territories and fulfilment arrangements should be disclosed.

Potentially, subject to insurer appetite. The broker should know who manufactures and dispatches the products and what responsibility the UK business accepts.

Potentially. Countries supplied and overseas turnover can affect insurer appetite.

Potentially. A business may operate a shop, workshop, warehouse, office and storage unit simultaneously.

Potentially. The insurer should know building construction, security, fire protection, stock values, batteries and charging arrangements.

Potentially. Manufacturing and assembly activities, machinery, employees, stock and battery handling should all be described.

Potentially. This can include workbenches, stands, diagnostic tools, production machinery and specialist testing equipment.

Potentially. Repair and mobile businesses should provide replacement values and overnight storage arrangements.

Potentially. The current Quote Monkey inventory includes dedicated Tools In Van Insurance and Tools In Vans Overnight Insurance pages.

Potentially. Goods in Transit may be relevant depending on ownership, values and transport arrangements.

Potentially. The broker should understand collection, transport and return arrangements.

Potentially. Commercial vehicle insurance can be relevant to businesses delivering stock or collecting customer bikes.

Potentially. Retail premises, workshops, demonstrations, customer visits and work away from premises can all create third-party liability exposures.

Yes, it can be particularly significant for manufacturers, importers, assemblers, conversion businesses and businesses supplying batteries, chargers and components.

Where employees are used, Employers' Liability may generally be legally required unless an exemption applies.

Potentially. Ecommerce, customer accounts, booking systems, payment systems and online stock management can create cyber exposures.

Potentially. An insured incident affecting the shop, workshop, factory or warehouse could interrupt normal trading.

Potentially for businesses combining premises, contents, stock, liability, employees and Business Interruption exposures.

Countries of origin, overseas manufacturers, product types, branding, annual values, wholesale and retail turnover, batteries, chargers and territories supplied.

Repairs undertaken, electrical and battery work, customer-bike values, tools, premises, employees, collection and delivery arrangements and claims history.

Conversion kits used, manufacturers, motor and battery types, customer-supplied equipment, testing, annual turnover and completed-bike values.

Battery types, stock quantities, values, manufacture or import activities, storage, charging, testing and refurbishment work.

Stock values, brands, used bikes, workshop activities, customer bikes, online sales, test rides, employees and security.

Fleet numbers, individual and total values, customer use, maintenance, charging, storage and geographical area. ---