eBike Insurance Australia | Protect Underwriting

01 Why we built this

Bicycle policies weren't built for batteries.

Standard bicycle policies were written for pedal-only bikes — assumed limited speed, limited range, weekend use. E-bikes change all of that. Higher speeds, higher value, daily commuting, gig-economy work, lithium-battery exposure.

eBikeProtect is purpose-built for the way Australians actually use e-bikes — and the realities of riding them at scale on Australian roads.

02 What's covered

Cover, in plain English.

Every eBikeProtect policy is built around the realities of e-bike and micro-mobility ownership.

E-Bike Replacement Value

Replacement-value cover for new e-bikes (under 12 months) and agreed-value for older bikes. Covers premium brands, custom builds and cargo e-bikes.

Battery & Motor Cover

Specific cover for the battery, motor and drive system — the components most likely to fail and most expensive to replace. Including thermal-runaway / fire-related damage.

Theft & Vandalism

Theft cover at home, work and public locations. Vandalism cover. No requirement to lock to a permanent fixture in approved-parking zones.

$10m Third-Party Liability

$10 million third-party property and personal-injury liability cover — appropriate to the speed and exposure of e-bikes on shared roads and footpaths.

Roadside & Recovery

Roadside assistance for e-bikes — flat tyre, dead battery, crash-recovery transport. Covers all major Australian metro areas.

Delivery & Commercial Use

Cover for food-delivery riders, courier work and last-mile commercial use. Standard bicycle policies typically exclude this — eBikeProtect is built for it.

Accessory & Gear Cover

Cover for helmets, lights, locks, panniers, child seats and accessories — the gear that often gets damaged or stolen along with the bike itself.

Worldwide Travel Cover

Take your e-bike on holiday — cover follows the bike anywhere in the world for trips up to 60 days. Theft, damage and liability included.

03 Why this is different

E-bike-specific. Daily-use ready. Lloyd's-Backed.

Three reasons riders, fleet operators and delivery riders are switching to PU eBikeProtect.

E-Bike-Specific Cover

Battery cover. Motor cover. Thermal-runaway protection. Cover language drafted for e-bikes — not adapted from a pedal-bicycle wording.

Commercial Use Included

Food-delivery riders, last-mile couriers and gig-economy work — all covered as standard. No exclusions for paid use, no surprise denial at claim time.

Lloyd's-Backed Capacity

Backed by Lloyd's of London syndicate capacity. Globally recognised security with the world's most experienced specialist underwriting community.

04 Who this is for

If your e-bike is your transport.

Daily commuters. Delivery riders. Fleet operators. Whoever depends on an e-bike, eBikeProtect was built around how you actually ride.

Daily commuters — replacing car or public transport with daily e-bike use

Food-delivery riders — Uber Eats, DoorDash, Menulog, HungryPanda

Last-mile couriers — package delivery, document delivery, parcel work

Cargo e-bike owners — child carriers, business delivery, school-run families

E-bike fleet operators — rental fleets, share schemes, business fleets

Premium & custom e-bike owners — high-value bikes that standard policies under-insure

Insurance for the way Australians actually ride.