Ebike insuranceLive recovery
Ebike theft insurance that recovers the bike first.
Standard ebike theft cover is a payout policy — pay premiums, file a claim, wait weeks. BackPedal puts a covert tracker on the bike and a recovery team behind it. Theft cover here means the bike usually comes home, with the battery and motor still on it.
- 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.
How ebike theft actually works
Ebikes are stolen for parts more often than as complete bikes. A high-value battery, a Bosch or Brose motor, a carbon frame and quality groupset can be split out and sold on second-hand sites within days. Once the parts are out, recovery becomes impossible.
BackPedal's theft cover leads with recovery for this reason — every hour that passes makes the bike harder to get back as a whole. The tracker and 24/7 ops team are the actual product; the insurance side is the backup if recovery fails. Most subscribers never reach the insurance step.
What's in your ebike theft cover
Everything below is bundled. No separate battery policy, no tiered features.
Ebike replacement insurance
If recovery can't get it back, Sundays-underwritten insurance handles the claim — subject to standard policy terms. £50 fixed excess on standard claims.
Battery cover
Battery is covered against theft and theft damage. £200 excess on battery-only claims; £50 if stolen with the bike.
Motor + electrical cover
Motor and electrical components covered against theft damage. Manufacturer warranty handles natural failure.
Accessories cover
Lights, locks, panniers, helmets, and other accessories attached at the time of theft covered with per-item caps.
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.
Ebike theft insurance FAQs
What's covered under ebike theft insurance?
Ebike theft cover handles the ebike, battery, motor, attached accessories at the time of theft, and damage caused during a theft attempt. Recovery service is the primary tool — most subscribers never claim under the insurance side. If insurance does kick in, £50 fixed excess applies (£200 on battery-only claims).
Is the battery covered if stolen separately?
Yes, with a higher excess (£200) for battery-only claims. Standalone battery theft typically happens at charging stations or workplaces. Battery damage from attempted theft is covered without the higher excess if the bike is the primary target.
How does ebike theft cover interact with recovery?
Recovery runs first. If we get the ebike back within the recovery window, the insurance side doesn't trigger and you pay no excess at all. If recovery fails, the Sundays-backed insurance steps in as a backup, subject to standard policy terms. Both bundled into one subscription — no separate theft-cover product.
Is damage during an attempted theft covered?
Yes. Theft cover includes damage caused during a failed theft attempt — partially-cut locks, frame damage from a thief trying to remove the bike, ripped components. The repair is paid under the same theft-cover claim.
Does ebike theft cover apply across the UK?
Yes — both recovery and insurance run UK-wide. We already recover bikes for nationwide fleet partners from anywhere in the country. The one thing that's regional right now is the consumer mobile install network: a BackPedal mechanic visits to fit the tracker, and that mobile visit is currently available in London zones 1–4. Outside zones 1–4, individual install isn't yet available; the install network expands in 2026.
Theft cover that gets the ebike back
Recovery service + insurance backup + tracker + battery cover — all bundled. Get a real price now.