Safe riding starts with the right insurance - protect your E-BIKE!
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An E-BIKE is a bicycle whose electric motor power does not exceed 250 W (0.25 kW), and the motor only operates when pedalling. It must not be activated by a handle or button. Once a speed of 25 km/h is reached, motor assistance automatically switches off.
If any of these conditions are not met. The vehicle is classified as an electric moped, which is subject to different rules: registration, driving licence, and insurance
No, E-BIKE registration is voluntary. However, registration with CSDD is recommended as it significantly simplifies the process in cases of theft or road traffic accidents
E-BIKEs are allowed on cycle lanes, cycle paths, and other zones accessible to bicycles. To ride an E-BIKE, a bicycle licence is sufficient, which can be obtained from the age of 10 by passing the relevant exam.
If your E-BIKE is damaged or stolen, insurance will cover the losses, allowing you to quickly and worry-free get back on the road
If you sustain an injury in an accident, insurance provides compensation for the injury itself, as well as helping cover the daily hospital allowance
If you accidentally cause harm to another person or their property with your E-BIKE, insurance will cover the resulting losses. It protects both you and those around you
Riding after rain, the cyclist slipped and damaged both the wheel and a stranger's car door. Total losses exceeded €430. The policy would cover the damage, but without insurance, everything would have to be compensated personally, creating an unpleasant financial burden.
Riding through a park, the cyclist accidentally hit a pedestrian who needed urgent examination and bandaging. Medical costs could reach €160. The policy would cover this, but without coverage, the costs would have to be borne personally.
In a collision between two e-bike riders, one fell and damaged their phone. Costs: ~€600. Insurance would compensate the losses, but without a policy, the amount would have to be covered by the person at fault.
While riding along a cycle lane, a pedestrian suddenly stepped out in front, causing a collision. The injured person sustained a knee sprain and torn trousers. Without a policy, costs: ~€220. Insurance would help avoid unexpected expenses.
E-BIKE insurance includes theft and robbery, damage, accidents, and rider's civil liability.
Insurance protection is valid within the territory of the Republic of Latvia.
No, E-BIKE insurance is not mandatory, but it provides essential protection and covering vehicle losses including theft, civil liability coverage, and reimbursement of costs in case of injuries.
Yes, E-BIKE insurance covers damages caused by natural disasters such as storms or hail, providing financial protection and coverage of repair costs.
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