Choose a bike insurance policy that is specifically written to cover electric bikes.

With BikeInsure, Tern electric bikes that meet Class 1–3 specifications (up to 750 watts and 28 mph pedal assist) enroll under Electric Bike Insure (E-Bike) coverage.

This electric bike insurance is designed to protect your e-bike and listed accessories against accidental crash damage while riding, transit damage, and theft when protection is selected.

This matters because many homeowners and renters policies classify electric bikes as motorized vehicles and exclude them from coverage entirely.

Electric Bike Insure applies to commuting, everyday riding, and non-competitive cycling use.

Yes. Tern Bike Insurance covers bicycles and electric bikes used for commuting and everyday riding.

Tern electric bikes enroll under Electric Bike Insure (E-Bike) coverage, and non-electric models enroll under Bike Ride Insure (Casual) coverage. These coverage types apply to daily transportation, errands, fitness riding, and general non-competitive use.

Coverage protects your insured bicycle and listed accessories against accidental crash damage while riding and transit damage, including vehicle rack transport. If a covered loss occurs, the policy pays to repair or replace the insured equipment up to the selected Amount of Insurance, less the applicable low, fixed deductible.

Optional theft protection may also be added. When selected, your bicycle or e-bike is covered against theft while secured when unattended.

Yes. Tern Bike Insurance covers non-stock attached accessories and upgraded components when they are listed at enrollment or added later through a policy update request.

Accessories are insured together with your bicycle or e-bike as part of the selected Amount of Insurance.

Coverage applies to equipment attached to or fixed to the bicycle beyond the manufacturer's original specifications. Common examples include racks, cargo systems, bags, lights, upgraded drivetrains, pedals, wheelsets, bike computers, cycling radar, power meters, extra batteries, and a listed helmet.

When accessories are covered

Accessories are covered when they are damaged as part of a covered bicycle loss — such as a riding accident, transit damage, or theft of the bicycle when theft protection is selected.

Since coverage applies to the insured bicycle and its equipment together, coverage does not apply when only an accessory is taken or damaged by itself — for example, a light, computer, saddle, battery, or wheel removed from an otherwise undamaged bicycle or e-bike.

Items not attached to the bicycle — including clothing, shoes, phones, glasses, earbuds, or items stored inside bags — are not considered accessories and are not covered.

When enrolling, enter the total value of your bike plus listed accessories so your complete Tern setup is properly insured.

Yes. When optional theft protection is selected, Tern Bike Insurance, powered by BikeInsure, protects your insured bicycle or electric bike against theft at home or away, provided the bike is secured when unattended.

This applies whether your Tern bike is securely stored at your residence, in a garage or apartment bike room, or locked outside while you are running errands.

When theft coverage is included, and a covered bicycle or e-bike is stolen, the policy pays the replacement-cost value for equipment of substantially similar kind and quality — including listed accessories — up to the selected Amount of Insurance, less the applicable low, fixed deductible.

Because many Tern riders use their electric and cargo bikes for daily transportation, optional theft protection helps safeguard that investment wherever you ride.

No. Tern Bike Insurance, powered by BikeInsure, does not require your bicycle or electric bike to be locked to an immovable object.

Coverage applies when reasonable theft-prevention measures are used — meaning the bike is secured with a locking device while unattended. A specific brand or model of lock is not required.

This allows flexibility whether your Tern bike is locked outside a store, secured on a vehicle rack, or stored at home.

When optional theft protection is selected, and a secured bicycle or e-bike is stolen, the policy pays the replacement-cost value for equipment of substantially similar kind and quality — including listed accessories — up to the selected Amount of Insurance, less the applicable low, fixed deductible.

Buying Tern Bike Insurance, powered by BikeInsure, takes just a few minutes and provides immediate protection once enrollment and payment are completed.

Step 1 — Enter your bike details

Provide your Tern bike's make, model, year, listed accessories, and the total Amount of Insurance (bike value + listed accessories).

Step 2 — Select your coverage type

Choose coverage based on how your bike is used:

• Electric Bike Insure (E-Bike) — for Tern electric bikes that meet Class 1–3 specifications (up to 750 watts and 28 mph pedal assist). Designed for commuting, errands, and everyday riding.
• Bike Ride Insure (Casual) — for non-electric Tern bicycles used for everyday riding and transportation.

Step 3 — Choose your coverage amount

Select an Amount of Insurance up to $50,000 per bicycle or e-bike item to reflect the full value of your bike and listed accessories.

Step 4 — Complete secure checkout

Enter payment information to activate your one-year policy with convenient monthly installments.

You'll electronically sign and confirm your application during checkout. No photos or receipts are required to enroll, though keeping documentation for your records is recommended.

Coverage begins immediately upon successful enrollment and payment confirmation. A receipt and enrollment application is sent by email, and official policy documents follow shortly thereafter.

Legal Notice

BikeInsure is a licensed insurance producer offering bicycle and electric bike insurance nationwide in the United States. Tern Bicycles is not an insurer or insurance producer. The purchase of Tern Bike Insurance is a direct transaction between the customer and BikeInsure. Tern may receive a referral fee but does not sell insurance, negotiate terms, or adjust claims. Questions regarding coverage, billing, or claims must be directed to BikeInsure.

Coverage is underwritten by Great American Insurance Company, rated A+ (Superior) by AM Best, and available in all 50 states and Washington, DC. The coverage description on this site is a summary only. For complete terms, conditions, limits, and exclusions, refer to the actual policy. In the event of any inconsistency, the policy language controls.

• Coverage available for new and existing bicycles and electric bikes.

• Covers physical damage to the bicycle and listed accessories only.

• You may purchase coverage immediately.
• No additional underwriting is required.

• Coverage is available to adults 18 years of age or older.

• The policy term is one year with automatic monthly installment payments.

• Your policy will not increase due to a claim.
• Policies will renew annually unless cancelled by the insured.

• No medical or liability coverage is provided.

• Claims must be reported within 60 days of a loss.