Yes. You must have insurance to ride your electric motorbike on public roads.

Whether you have a provisional or a full bike licence, we can offer an insurance policy tailored to you.

Electric motorcycles, scooters and mopeds are gaining in popularity year on year, however, the electric motorbike market is still relatively small compared to normal combustion engine bikes, and there has seemingly been a slow uptake in insurers wanting to provide competitive rates on electric motorcycles. Here at Lexham, we are proud to offer insurance on most electric motorcycles and mopeds in the UK.

Many electric motorcycles are quiet which means they can be deemed more of a risk by Insurers, as they are not heard so easily compared to most petrol-powered motorcycles. Expensive batteries and a smaller market can also see some Insurers rate electric motorcycles as high risk, which then means higher insurance premiums. At Lexham we offer insurance cover on most electric mopeds, scooters and motorcycles, it is only high-performance electric sports bikes that we are unable to offer cover for. 

Some insurance companies only offer Third-party insurance on electric motorcycles, and not Third-party, Fire and Theft or Fully Comprehensive. This is normally because that Insurer deems that individual risk (your motorcycle insurance quotation) to be too high a risk to insure for these higher levels of insurance cover. Sometimes it can be the electric motorcycle itself which the Insurer may deem too high risk. At Lexham we can offer Fully Comprehensive, Third-party, Fire and Theft and Third-party insurance on most electric motorcycles, scooters and mopeds, though this will depend on each individual quotation. 

As leaders in the electric motorbike insurance market, our team can help you get an insurance quotation on most electric manufacturers and models in the UK, including Zero, VMoto Soco, NIU, Energica, Maeving, and many others.

The cost of your insurance will depend on a range of different factors (including, but not limited to):

• Make & Model of Bike

• Displacement/Engine Size

• Age of Rider

• Location & Occupation

• Annual Mileage & Usage

• Previous Convictions or Riding Offences

Lexham is committed to providing competitive insurance policies on a wide range of different two-wheeled vehicles.

Yes, you do. It's against the law to ride on UK roads without at least third-party insurance, even if you've only got a provisional licence.

Electric motorcycles and mopeds follow the same insurance requirements as petrol bikes.

To get a quote, you'll need:

• Your bike's registration number

• The make and model

• Your riding licence details (whether you've passed your CBT, and what type of licence you hold – A1, A2 or full A)

• Your postcode

• Your date of birth

• Details of any previous claims, convictions or accidents in the last five years

• Your no claims bonus (if you have one)

• How you'll use the bike (social and commuting, business use, delivery, etc.)

• Your estimated annual mileage

Don't worry if you haven't got all the details to hand – request a callback and we can help you through the quote.

We cover most electric motorcycles, scooters, and mopeds from reputable manufacturers including Zero, VMoto, Soco, NIU, Energica, Maeving, Silence, and Artisan.

We don't currently cover: Sur-Ron, Talaria, or Stark models. These bikes fall into a grey area for road use classification.

If your bike isn't listed, contact us to check eligibility. Provided the risk falls within our underwriting appetite, we may still be able to help.

Electric motorcycles can be more expensive to insure for several reasons:

• Battery costs: Electric bike batteries are expensive to replace, making theft or damage claims significantly more costly

• Perceived risk: Electric bikes are quieter than petrol bikes, which some insurers see as increasing collision risk with pedestrians

• Smaller market: Fewer insurers offer electric bike cover, reducing competition

• Newer technology: Electric bikes can depreciate faster due to battery degradation concerns

At Lexham, we specialise in electric bikes and can offer competitive rates because we understand these vehicles.

The cost of your insurance depends on many factors, including your bike, your age, your riding experience, where you live, and how you use your electric motorcycle or moped.

Battery replacement cost and bike value are particularly important factors for electric bikes.

Get a quote to see your exact price.

There are several ways to bring your premium down:

• Security: Fitting additional insurance-approved trackers to your bike can provide discounts. Keep your bike in a secure garage or premises overnight if possible. Mechanical locks are a policy requirement.

• Your riding record: Accruing your no claims bonus is the single most efficient way of building up discounts on your insurance quote. Avoid points on your licence.

• Policy choices: You could choose a higher voluntary excess to lower your insurance premium. However, take care in ensuring you would still be able to afford the excess should a claim arise, and that the value of the excess does not exceed the value of your vehicle.

Request a callback and we can talk through more ways to lower your premium.

Yes. Under comprehensive cover, your battery is included as part of your bike's market value. If your bike is stolen or written off, the battery value is included in the compensation.

What's not covered: Battery degradation or failure due to wear and tear is not covered under any insurance policy.

You need to tell us about any modifications, both when you're getting a quote and any time you make changes during your policy. That includes battery upgrades, motor tuning, performance modifications, or any aftermarket parts.

Modifications will usually increase your premium, but we'll work to find you competitive cover. If you're in doubt about whether something counts as a modification, please ask us.

Yes, through either the Lexham Insurance App (available for iPhone and Android) or through the Lexham Portal on our website.

You can view your documents, renew your policy, update your details, make changes to your cover, and even report claims. It's available 24/7.

Yes, we're based in Diss and Thetford. Having a UK-based team means you're speaking to people who understand UK roads, and we're around during normal UK working hours.

You can reach us Monday to Friday, 8.30am to 7pm, and Saturday, 9.30am to 4.30pm.

Our claims line is open 24 hours a day, 7 days a week, 365 days a year, serviced by Lancaster Gate Assistance.

Whether you've had an accident at 3am or need to make a claim on a Sunday, you can get through to someone straight away.

We've been insuring mopeds, scooters and motorcycles for over 25 years.

In that time, we've built expertise in small-capacity bikes, young and learner riders, urban commuters, and delivery riders. That experience means we understand what two-wheeler riders need.