E-bike FAQs: Everything you want to know about e-bikes

Do I need insurance to use my e-bike?

No. In the case of bicycles, you are not obliged to insure them. However, you might want to consider it if it’s expensive and you’re worried about theft. Specialty bike insurers will cover your bike away from home, but you’ll need to check with your home insurer to see if they offer the same cover.

What is the legal top speed of an e-bike in the UK?

The e-bike motor can only legally provide assistance up to 15.5 mph or 25 km/h. You can, however, go faster with good old-fashioned pedaling.

What is chipping and can I legally do it on my e-bike?

Chipping is basically removing the pedal assist limiter from your bike. By removing the limiter, the bike’s motor will be able to assist at higher speeds than before, i.e. above 15.5 mph. Current laws state that an e-bike motor can only assist up to a maximum speed of 15.5 mph. The bike can travel faster than that, but it has to be under your own steam. Removing this limiter will push it into S-Pedelec territory where it will require a license and insurance. Also, while it might be appealing to want to run your bike at 30mph without too much effort, it can have a negative impact on the engine as they are designed to be used at regulated speeds.

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