Ebike insuranceLive recovery
Cargo ebike insurance for the family bike.
Cargo ebikes are the most valuable bikes in many UK households — often £4k–£8k, sometimes north of £10k. They live in front gardens or sheds and run the school run, the shop, and the commute. BackPedal's cover bundles theft, battery, motor, recovery service, and accessories into one subscription (annual in year 1, monthly or annual from year 2).
- 79.7%Recovery rate
- ~48hTypical recovery time
- 24/7In-house ops team
Recovery with no exclusions
Even if you forgot to lock up — we still recover your bike.
Full insurance backup included
Underwritten by Sundays Insurance, FCA regulated.
Tracking kit & professional installation
Covert GSM, GPS & BLE tracking kit — expertly installed, all part of your subscription.
Trusted by thousands of families, commuters, racers and delivery riders because we do more than just insure… we recover.
Why cargo ebikes need different cover
Cargo ebikes don't fit in a hallway. They live outdoors — in front gardens, on the pavement during a shop, in school playgrounds at drop-off. Standard bike insurance often has strict storage requirements (locked to an immovable object, indoors overnight, etc.) that don't match how cargo bikes are actually used.
BackPedal's recovery cover has no storage exclusions. The bike is insured whether it's locked to a lamppost while you grab a coffee, parked at school for an hour, or sitting in the front garden overnight. Combined with a covert tracker and 24/7 recovery, the bike's much more likely to come home if it goes missing.
Cargo ebike use cases
School run
Insured during drop-off, while locked up at school, and on the way home. Theft from school playgrounds and pavement-side stops covered.
Errands & shops
Brief unattended stops at shops and cafés covered. No daytime exclusion window.
Family commute
Daily commute use covered including transit between home, work, and childcare.
Front garden / shed
Outdoor storage at home covered. Most cargo ebikes can't live indoors — we know.
Traditional bike
insurance vs
BackPedal
A bike is stolen every 2 minutes in the UK. Fewer than 2% of thieves are ever caught. Traditional insurers don't care — they just price it into your premium. The thief profits. You start again. Nothing changes.
BackPedal is different. We track your bike, recover it, and return it to you — so the thief gets nothing. Insurance is our backup, not our business model.
What you get
RecommendedBackPedalRecovery + Insurance
Other Bike InsuranceTypical Policy
01Recovery & Protection
Get your actual bike back
Covert GPS tracking included
24/7 recovery team deployed
Bike stolen? One call and we take over
02No exclusions on recovery
Forgot to lock up? Still covered
Left outside your house? Still covered
Stolen whilst riding? Still covered
03Insurance
If we can't recover your bike, our backup insurance by Sundays kicks in — the same kind of cover you'd get from any other bike insurer. Standard terms apply and claims are subject to approval.
Financial cover for a replacement bike
Accessory cover
Theft damage cover
Excess
£50*
Varies
* No excess on recovery claims. £200 excess for battery-only insurance claims.
Cargo ebike insurance FAQs
What's covered on cargo ebike insurance?
Theft, theft damage, battery, motor, accessories, and recovery service. Cargo ebikes have higher average values (£4k–£8k common, often £10k+) so cover is structured around bike replacement plus the school-run / commute use case.
Does cargo cover include theft from the school-run scenario?
Yes — school-run usage falls under standard personal cover. The bike is insured during drop-off, while locked up at school, and on the way home. Most cargo ebike thefts we see happen at school drop-offs and supermarket parking, which is exactly where the recovery service is most valuable.
What about cargo ebike storage at home?
Most cargo ebikes are too big for indoor storage and live in sheds, garages, or front gardens. Recovery cover has no exclusions on outdoor storage — even if it's locked up out front. The insurance side may apply higher requirements on lock category for outdoor storage; talk to us if your storage is unconventional.
Is my cargo ebike covered on the school run?
Yes — school-run usage falls under standard personal cover. The bike is insured during transit, while locked up at school, and back home. Most cargo ebike thefts we see happen at school drop-offs and supermarket parking — recovery service is especially valuable in these scenarios.
Which cargo ebike brands are covered?
All major UK cargo brands: Tern (GSD, Quick Haul, HSD), Riese & Müller (Multicharger, Load, Packster), Urban Arrow, Yuba, Larry vs Harry, Babboe, Ahooga, Carla Cargo, and others. Use the quote tool with your bike's value — make/model doesn't change the price; bike value does.
Cover for the bike that does the school run
Theft, battery, motor, accessories, and recovery — bundled. Get a real price for your cargo bike.