$14/mo Cheapest Coverage
~15% Stolen Bikes Recovered
3 Canadian Insurers Compared
5 Bikes Insurance Costs Calculated

Your e-bike gets stolen from a bike rack in downtown Toronto. You file a claim with your home insurance. They deny it. Reason: “motorised vehicle exclusion.” Your $2,000 investment is gone. You get nothing. This happens in Canada every day — and most riders have no idea their e-bike insurance gap exists until the lock is cut.

E-bike insurance in Canada is not mandatory. No province requires it. But “not mandatory” does not mean “not necessary.” Only about 15% of stolen bikes in Canada are ever recovered (Square One, 2025). E-bike thefts in Toronto nearly quadrupled from 2019 to 2023 (Toronto Police data). And your home insurance? It probably has a hidden clause that excludes your e-bike entirely. This guide explains exactly what is covered, what is not, how much dedicated e-bike insurance actually costs in Canada, and which Zeus e-bikes are easiest (and hardest) to insure.

How We Researched This Guide We reviewed the published policy terms and product pages of every Canadian insurer we could find offering e-bike coverage: Sundays Insurance, Pedal Power Insurance, BrokerLink, TD Insurance, Intact, Desjardins, Aviva, Co-operators, Square One, and Waypoint Insurance. We cross-referenced insurer claims with legal analysis from Petker Law (Ontario) and McLeish Orlando (Ontario personal injury). Theft statistics are sourced from Toronto Police Service data (via Movin’ Ebikes analysis), Square One’s 2025 Bicycle Theft Report, and Bike Index annual data. Credit card protection terms are sourced from Mastercard, Visa, and American Express published certificates of insurance. Every source is cited inline. We did not accept payment from any insurer for inclusion.
Quick Answer — Do You Need E-Bike Insurance in Canada? Mandatory? No. No Canadian province requires e-bike insurance.
Should you get it? Yes — if your e-bike cost more than $1,500. Home insurance probably will not cover it.
Cheapest option: Sundays Insurance — from $14/month ($168/year) for bikes valued $2,000–$5,000.
Most insurance-friendly Zeus bike: Velotric Fold 1 Plus ($1,999) — only Zeus model with Apple Find My + UL 2849 certification.
Free theft protection: Register on Project 529 (5 minutes, free — used by Vancouver, Calgary, Edmonton police).

The Honest Answer: Do You Actually Need E-Bike Insurance?

You spent $1,500 to $4,000 on an e-bike. You park it outside a coffee shop. Someone cuts the lock. It is gone. What happens next depends entirely on what you did before that moment.

Here is the decision in plain English:

  • Your e-bike cost less than $1,000: Dedicated insurance probably is not worth it. The annual premium ($168+) would be 17%+ of the bike’s value. Use a good lock, register on Project 529, and accept the risk.
  • Your e-bike cost $1,000–$2,000: Call your home or tenant insurer first (script below). If they confirm coverage with a reasonable deductible, you may not need a separate policy. If they do not, dedicated insurance is worth considering.
  • Your e-bike cost $2,000+: You almost certainly need dedicated electric bike insurance. Home insurance limits and deductibles will leave you with a fraction of the bike’s value. At $14/month, dedicated coverage is cheap peace of mind.
Takeaway E-bike insurance is not required. But if your bike costs more than $1,500, the math favours getting it. A $168/year policy to protect a $2,000+ asset is a 8% annual cost — cheaper than the risk of losing everything.

What Your Home Insurance Actually Covers (and the Hidden Gap)

Most people assume their home or tenant insurance covers their e-bike. Some policies do. Many do not. The problem is a clause buried in the fine print called the “motorised vehicle exclusion.”

What Is the Motorised Vehicle Exclusion?

In plain English: most home and tenant insurance policies have a rule that says “we do not cover motorised vehicles.” The policy is designed to cover your furniture, laptop, and jewellery — not your car. That makes sense. But some insurers interpret “motorised vehicle” to include e-bikes — because e-bikes have a motor. If your insurer applies this exclusion to your e-bike, your claim will be denied, period (TD Insurance; BrokerLink; Petker Law).

This is not theoretical. A documented US case involved a Class 2 (throttle-capable) e-bike where the insurer denied the claim specifically because the bike had a motor (Electric Bike Review forums, 2024). The same logic applies to Canadian policies with similar exclusion language.

Even If You ARE Covered — The Limits Are Low

  • Typical bicycle coverage limit: $1,000–$5,000 depending on your insurer and policy (Square One, TD Insurance)
  • Square One default maximum: $3,000 for bicycles. Bikes over $3,000 must be specifically listed (Square One).
  • Typical deductible: $500–$1,000
  • What you actually get back on a $2,000 e-bike: If your limit is $2,000 and your deductible is $1,000, you get $1,000 back. Half the bike’s value. Gone.

The Phone Call You Need to Make (Use This Script)

Before you buy an e-bike — or right now if you already own one — call your home or tenant insurance company and ask these exact questions. Write down the answers.

Script — Read This to Your Insurer (Word for Word)
  1. “I own an electric bicycle. Does my policy cover it under personal property?”
  2. “Does the motorised vehicle exclusion in my policy apply to e-bikes?”
  3. “What is my coverage limit for bicycles?”
  4. “Am I covered if it is stolen away from my home — like from a bike rack at work?”
  5. “Does my personal liability coverage extend to e-bike operation — meaning, if I accidentally injure someone while riding?”
  6. “Can I add my e-bike as a scheduled item to increase the coverage limit?”

If they say yes to #1 and #5 and the limit is high enough: you may not need dedicated insurance. Ask for written confirmation by email.
If they say no to #1 or #2 applies: your e-bike is not covered. You need a dedicated policy (see the 3 options below).

Velotric Fold 1 Plus — $1,999 | The Most Insurance-Friendly E-Bike at Zeus

Why insurers prefer this bike: UL 2849 + UL 2271 dual safety certification (the gold standard insurers look for) · Apple Find My built-in (24/7 tracking, no subscription) · Folds to 96 × 50 cm for secure indoor storage · 500W motor (meets all provincial definitions)

UL certification is becoming a factor in insurer acceptance. The Fold 1 Plus is the only Zeus model that carries it — meaning fewer questions from your insurer and potentially lower premiums.

Home Insurance Takeaway Do not assume your e-bike is covered. Call your insurer and ask the 6 questions above. If they confirm coverage in writing — great. If not — you need a dedicated policy. The “motorised vehicle exclusion” is the single biggest reason Canadian e-bike theft claims get denied.

The $2,000 Math Problem — Why Home Insurance Is Not Enough

Even when your home insurance does cover your e-bike, the numbers rarely work in your favour. Here is why:

E-Bike Value Policy Limit Deductible You Get Back You Lose
$999 (Z8) $2,000 $1,000 $0 $999
$1,599 (Tempo Max) $2,000 $1,000 $599 $1,000
$1,999 (Fold 1 Plus) $3,000 $1,000 $999 $1,000
$2,373 (Nova B-360) $3,000 $1,000 $1,373 $1,000
$2,699 (Flash 1000W) $3,000 $1,000 $1,699 $1,000

Assumptions: typical home insurance bicycle limit of $2,000–$3,000 and deductible of $1,000. Your numbers may differ — call your insurer to find out.

Notice the pattern. On a $999 e-bike, the deductible exceeds the bike’s value — you get nothing. On a $1,599 bike, you lose $1,000 and recover $599. Even on a $2,699 bike, you still lose $1,000 out of pocket.

And that is the best case — assuming your insurer covers e-bikes at all. If they apply the motorised vehicle exclusion, every number in the “You Get Back” column becomes $0.

Now compare: a dedicated Sundays Insurance policy costs $168/year and covers the full value of the bike with a lower deductible. The average e-bike in Canada costs $2,000–$3,800. At those prices, dedicated insurance is not a luxury — it is basic financial protection.

Math Takeaway Home insurance deductibles eat most of the payout on bikes under $2,500. On a $999 e-bike, the deductible exceeds the claim — you get zero. Dedicated insurance with a lower deductible protects the full value.

Shopping for an e-bike? Every Zeus bike ships free across Canada · Browse the full collection · Financing available

3 Dedicated E-Bike Insurance Options in Canada (Compared)

If your home insurance does not cover your e-bike — or the coverage is too thin — these are the three real options available to Canadian riders. We compared them on coverage, cost, and availability.

Feature Sundays Insurance Pedal Power Insurance BrokerLink
Price From $14/month ($168/year) ~$163/year for $2,500 bike ~$1,000/year (varies)
Available in ON, AB, BC (expanding) All provinces except QC AB, MB, NB, NL, NS, ON, SK
Covers throttle e-bikes? No — pedal-assist only Yes (verify at quote) Verify at quote
Theft + damage Yes Yes Yes
Liability No (medical only, up to $1,000) Available Available
Accessories Yes Yes Yes
Roadside assist Up to $75 No Verify
Underwriter Via Bicycle Broker Lloyd’s of London, Travelers Various
Quote online? Yes — sundaysinsurance.ca Yes — pedalpowerinsurance.ca No — call 1-855-451-8748
Claims separate from home insurance? Yes Yes Verify

1. Sundays Insurance — Best for Most Riders

The most affordable dedicated option. Available in Ontario, Alberta, and BC through a partnership with Bicycle Broker. From $14/month for bikes valued $2,000–$5,000. Covers theft, accidental damage, accessories, bike-rack transport, and emergency medical (up to $1,000). Optional add-ons include worldwide coverage (90 days), lifetime new-for-old replacement (if insured within 60 days of purchase), and replacement bike rental (up to $300).

The catch: Sundays does not cover throttle-only e-bikes. Your e-bike must have functional pedals and be pedal-assist. This means most Zeus bikes qualify (they all have pedal assist), but verify your specific model at signup.

2. Pedal Power Insurance — Broadest Coverage

Available in every province except Quebec. Underwritten by Lloyd’s of London and Travelers — serious underwriters. Covers pedal bikes and e-bikes for personal, business, and competition use. Annual cost: approximately $163/year for a $2,500 e-bike. The biggest advantage: claims stay separate from your home insurance, protecting your claims-free discount. IMBA and Hub Cycling members get discounts.

The catch: Higher-value bikes ($5,000+) get expensive fast — a $13,000 e-bike costs approximately $796/year to insure.

3. BrokerLink — Full-Service Brokerage

Available in AB, MB, NB, NL, NS, ON, and SK. BrokerLink is a large Canadian insurance brokerage that offers e-bike coverage alongside auto and home. Their stated cost is “approximately $1,000 per year” — significantly more expensive than the specialist options. However, if you already have home and auto with BrokerLink, bundling may make sense. Cannot be quoted online — call 1-855-451-8748.

Velosurance Does Not Sell to Canadians If you have seen Velosurance recommended in other guides — it is a US-only insurer. Canadians cannot purchase a policy. Velosurance directs Canadian visitors to Pedal Power Insurance (Velosurance FAQ).

Movin’ Tempo Max — $1,599 | Comes Security-Ready

Bundled free: Loud anti-theft alarm + heavy-duty U-lock · Motor: 500W (meets all provincial definitions) · Battery: 960Wh Samsung · Range: 80–90 km

At $1,599, dedicated insurance through Sundays costs approximately $14/month. The bundled alarm and lock demonstrate security measures to your insurer — some underwriters factor anti-theft devices into premium calculations. For more commuter options, see our urban e-bike guide.

Insurance Options Takeaway Sundays ($14/month) is the cheapest for most riders in ON, AB, and BC. Pedal Power (~$163/year) has the broadest provincial coverage and the strongest underwriters. BrokerLink is a premium option if you want to bundle everything. All three keep claims separate from your home insurance.

Protecting a new e-bike? The Velotric Fold 1 Plus has Apple Find My + UL 2849 certification · Browse all Zeus bikes

Credit Card Purchase Protection — The 90-Day Trap

Some riders skip insurance entirely because they think their credit card covers their e-bike. It does — for about three months. Then you are on your own.

What Credit Cards Actually Cover

Card Network Coverage Window Per-Item Limit Motorised Vehicle Exclusion?
Mastercard 90 days $500–$1,000 Yes — explicitly excludes motorised vehicles (Mastercard)
Visa 90 days $500–$1,000 May exclude motorised vehicles over $3,000 (verify with issuer)
American Express 90–120 days Up to $1,000/item Extended warranty excludes motorised vehicles (verify purchase protection)

Why This Is Not Real Insurance

  1. The motorised vehicle exclusion may apply. Mastercard explicitly excludes them. If your credit card company classifies your e-bike as motorised, your claim is denied.
  2. 90 days is nothing. E-bikes last years. After the 90-day window closes, your credit card offers zero protection. Most theft does not happen in the first three months.
  3. Per-item limits are too low. Even if you are covered, $500–$1,000 does not come close to replacing a $2,000+ e-bike.
  4. You need a police report within 48 hours. If you do not report the theft to police fast enough, the claim is void.
  5. If you have other insurance, the credit card is secondary. You must file with your primary insurer first.
Credit Card Takeaway Credit card purchase protection is a 90-day safety net, not long-term insurance. It is better than nothing for the first three months. After that, it is nothing. Do not rely on it as your only protection for a $1,500+ e-bike.

What Happens If Your E-Bike Hurts Someone (The Gap Nobody Talks About)

Everyone worries about theft. Almost nobody thinks about this: what if you hit a pedestrian?

When a car hits someone, the driver’s auto insurance covers the claim. When an e-bike hits someone, there is no mandatory insurance. There is no insurer automatically defending you. If your home insurance excludes liability for “self-propelled land vehicles” — and many policies do (Petker Law, Ontario) — you are personally responsible for all damages and legal costs.

The Real Cost of a Liability Gap A single injury lawsuit can exceed $50,000 in damages and legal fees (BrokerLink). Without liability coverage, that money comes directly from you — your savings, your wages, your assets. Dedicated policies from Pedal Power and BrokerLink include third-party liability coverage. Most home insurance provides at least $1,000,000 in personal liability — but only if the self-propelled vehicle exclusion does not apply to your e-bike. Call your insurer and ask Question #5 from the script above.
Liability Takeaway Check your home insurance for the “self-propelled land vehicle” exclusion in the liability section. If it applies, you have no liability coverage when riding your e-bike. Pedal Power and BrokerLink both offer liability coverage as part of their e-bike policies.

How to Protect Your E-Bike From Theft — 7 Steps Anyone Can Follow

Insurance replaces your bike after it is stolen. These steps prevent the theft in the first place. Do all seven. They take less than an hour total and most cost nothing.

  1. Use a U-lock — not a cable lock. Cable locks can be cut in seconds with bolt cutters. A hardened steel U-lock takes an angle grinder and makes noise. Lock through the frame AND rear wheel to a fixed object. If you cannot lock through the frame, the lock is decorative.
  2. Lock it indoors whenever possible. Apartment? Bring it inside. Office? Ask if you can store it in a back room. Garage? Lock the garage AND the bike. 40% of bike thefts happen at residential properties (Square One, 2025).
  3. Remove the battery when you park outside. An e-bike without a battery is worth significantly less to a thief — and it is harder to ride away. Most Zeus e-bikes have removable batteries secured with a key lock.
  4. Register on Project 529 / Bike Index. Free. Takes 5 minutes. Used by police in Vancouver, Calgary, and Edmonton. If your bike is recovered, this is how they find you. Full instructions below.
  5. Use Apple Find My or an AirTag. The Velotric Fold 1 Plus has Apple Find My built in — you can track it 24/7 without a subscription. For other bikes, hide an Apple AirTag ($39) inside the frame, under the seat, or in a seat tube. It will not stop a thief, but it will tell police exactly where your bike is.
  6. Take photos of your bike — right now. Both sides. Close-ups of serial number (underneath the frame where the pedal cranks attach), any scratches or unique marks. Store these photos in your email or cloud — not just on your phone. If your bike is stolen, police and your insurer need these photos.
  7. Record your serial number. Flip your bike upside down or tilt it. Look at the underside of the frame where the pedal cranks connect — you will see a string of letters and numbers stamped into the metal. Write it down. Store it with your photos. Your insurer will ask for it.

Movin’ Tempo Max — $1,599 | Security Kit Included Free

Bundled: Loud anti-theft alarm + heavy-duty U-lock (no extra cost) · Battery: removable with key lock · Weight: 27 kg (60 lbs with battery)

One of three Zeus bikes that ships with a security starter kit at no extra charge. The alarm sounds when the bike is moved without disarming it first. Not a replacement for a U-lock — but another layer that makes a thief move on to an easier target.

Eunorau Flash 1000W — from $2,169 | Bundled Security + Expandable Value

Bundled: Anti-theft alarm + heavy-duty U-lock + phone holder + HD mirrors · Battery: expandable to triple (up to 2,808 Wh) · Payload: 440 lbs

The Flash’s expandable battery system makes it one of the highest-value assets on Zeus — a fully loaded triple-battery Flash can exceed $4,000 in replacement cost. At that value, dedicated insurance is essential. The bundled security kit helps, but for this bike, pair it with a Sundays or Pedal Power policy. For a full review, read our Flash 1000W 2-year Canadian review.

Anti-Theft Takeaway U-lock through the frame. Lock indoors when you can. Remove the battery when you park outside. Register on Project 529. Use an AirTag or Apple Find My. Take photos now — not after the theft. These steps are free and reduce your theft risk by more than any insurance policy.

Register Your Bike for Free — Project 529 / Bike Index

This is the single most effective free thing you can do to protect your e-bike. It takes five minutes. It costs nothing. And it is used by police in Vancouver, Calgary, and Edmonton to return stolen bikes to their owners.

What Is Project 529?

Project 529 Garage (also called Bike Index) is the largest bike registration platform in the world. When you register, your bike’s serial number, photos, and your contact information go into a database that police, bike shops, and community members can search. If someone finds your bike — or police recover it — they look it up on 529, find you, and call you.

The Numbers

  • Vancouver: bike theft dropped 70% since the city partnered with Project 529 in 2015 (City of Vancouver; Global News)
  • Calgary: bike recovery rate doubled to 21.5% after partnering with Bike Index. Over 50,000 registered users. Hundreds of bikes worth an estimated $330,000 returned (Calgary Police Service)
  • Edmonton: over 23,000 bikes registered in 12 months — a record for any Bike Index partner city globally (Taproot Edmonton)

How to Register — Step by Step

  1. Go to project529.com/garage (or bikeindex.org — same platform, different name).
  2. Create a free account with your email.
  3. Click “Register a Bike.”
  4. Enter your bike’s details: brand, model, colour, and serial number. (To find your serial number: flip the bike upside down and look underneath the frame where the pedal cranks attach. It is a string of letters and numbers stamped or stickered on the metal. If you cannot find it there, check the product box or your purchase receipt.)
  5. Upload at least one photo of the bike — both sides is better.
  6. Save. Done. Your bike is registered.

If your bike gets stolen: log into your 529 account, click “Mark as Stolen,” and file a police report. The platform alerts local bike shops, community members, and police. Keep your police report number — you will need it for your insurance claim too.

Registration Takeaway 5 minutes. Free. Used by police in 3 major Canadian cities. Register at project529.com or bikeindex.org. Write down your serial number and take photos before you need them.

What Insurance Costs for 5 Zeus E-Bikes (Real Numbers)

We estimated the annual dedicated insurance cost for five Zeus e-bikes using published pricing from Sundays Insurance and Pedal Power Insurance. These are estimates based on their stated pricing tiers — your actual quote may differ based on location, storage, and claims history.

Bike Price Sundays (~est.) Pedal Power (~est.) % of Bike Value Security Features
Z8 $999 ~$120–$168/yr ~$100–$130/yr 10–17% Optional alarm
Tempo Max $1,599 ~$168/yr ~$130–$163/yr 8–11% Alarm + U-lock bundled
Fold 1 Plus $1,999 ~$168/yr ~$163/yr 8% Apple Find My + UL 2849
Nova B-360 $2,373 ~$168–$200/yr ~$180–$220/yr 7–9% Alarm + U-lock bundled
Flash 1000W $2,169+ ~$168–$200/yr ~$180–$220/yr 7–10% Alarm + U-lock bundled

Estimates based on published Sundays Insurance pricing ($168/year for $2,000–$5,000 bikes) and Pedal Power’s stated ~$163/year for a $2,500 bike. Actual premiums depend on your postal code, storage (indoor vs. outdoor), riding use, and claims history. Get a real quote at sundaysinsurance.ca or pedalpowerinsurance.ca.

The pattern: the higher the bike’s value, the smaller the insurance cost as a percentage. A $168/year policy on a $1,999 bike is 8% — cheap protection. The same policy on a $999 bike is 17% — harder to justify unless you ride in a high-theft area.

Freesky NOVA B-360 — $2,373 | Dual Battery Step-Thru with Bundled Security

Bundled: Anti-theft alarm + U-lock · Battery: Dual Samsung 48V 15Ah + 15Ah (1,440 Wh total) · Motor: BAFANG 500W (1,000W peak), torque sensor · Payload: 400 lbs

At $2,373, this bike carries $1,440 worth of battery capacity alone. If stolen, the replacement cost is the full $2,373 — plus whatever accessories you have added. A $168/year insurance policy is 7% of the bike’s value. For more step-thru options, see our step-thru e-bike guide.

Z8 Moped-Style — $999 | The Case Against Insurance (and When to Get It Anyway)

Motor: 750W (1,500W peak) · Battery: 48V 15.6Ah (749 Wh) · Tires: 20×4.0” fat · Weight: 89 lbs

At $999, the Z8 is Zeus’s entry point. Insurance at $168/year would be 17% of the bike’s value — harder to justify. Our honest take: unless you live in a high-theft area (downtown Toronto, Vancouver) or park outside daily, a good lock + Project 529 registration may be enough for a sub-$1,000 bike. The Z8 Pro ($1,399, dual battery) starts making the insurance case stronger. For moped-style options, see our electric moped guide.

Cost Takeaway For bikes $1,500+, dedicated insurance runs 7–11% of the bike’s value per year. For a $2,000 bike, that is $14/month — less than two coffees a week. For bikes under $1,000, a lock and registration may be enough.

Ready to buy? Browse all e-bikes at Zeus eBikes Canada · Free shipping across Canada · Financing available


Frequently Asked Questions

Is e-bike insurance mandatory in Canada?

No. No Canadian province requires insurance for e-bikes that meet the federal power-assisted bicycle definition (motor 500W or less, maximum assisted speed 32 km/h, functional pedals). You do not need a licence, registration, or insurance. However, without insurance, you have no financial protection if your e-bike is stolen, damaged, or causes injury to someone else.

Does home insurance cover e-bike theft in Canada?

It depends entirely on your policy and insurer. Some home and tenant insurance policies cover e-bikes under personal property. Many do not — because of the “motorised vehicle exclusion” that can disqualify anything with a motor. Even if covered, typical limits ($1,000–$5,000) and deductibles ($500–$1,000) mean you may recover a fraction of the bike’s value. Call your insurer and ask. Use the 6-question script above.

How much does e-bike insurance cost in Canada?

Dedicated coverage starts at approximately $14/month ($168/year) through Sundays Insurance for bikes valued $2,000–$5,000. Pedal Power Insurance quotes approximately $163/year for a $2,500 bike. Adding an e-bike to your existing home insurance as a scheduled item typically costs $50–$200/year extra. BrokerLink states approximately $1,000/year, though this varies. Factors that affect cost: bike value, your postal code, where you store it (indoor vs. outdoor), and your claims history.

What does e-bike insurance cover?

A comprehensive policy covers: theft and vandalism (stolen bike, stolen parts, damage from attempted theft), accidental damage (crashes, falls, collisions), accessories (panniers, lights, upgraded components), transit damage (bike rack, shipping), and emergency medical (Sundays: up to $1,000). Liability coverage (if you injure someone) is available through Pedal Power and BrokerLink but not Sundays. Common exclusions: normal wear and tear, commercial use (unless specifically covered), throttle-only e-bikes, and retrofitted or homemade builds.

Does my credit card cover e-bike theft?

For about 90 days after purchase, maybe. Most Canadian credit cards offer purchase protection with per-item limits of $500–$1,000. But Mastercard explicitly excludes motorised vehicles, Visa may exclude those over $3,000, and after the 90–120 day window, protection ends completely. Credit card purchase protection is a short-term safety net — not a replacement for ongoing insurance on a $1,500+ asset.

What happens if my e-bike injures someone in Canada?

Since e-bike insurance is not mandatory, there is no insurer automatically defending you. Your home or tenant insurance may extend personal liability coverage — but many policies exclude liability for “self-propelled land vehicles” (Petker Law, Ontario). If your policy has that exclusion, you are personally liable for all damages and legal costs. A single injury lawsuit can exceed $50,000 (BrokerLink). Check your home policy’s liability section and ask your insurer directly.

How do I register my e-bike to help recover it if stolen?

Go to project529.com/garage or bikeindex.org (same platform). Create a free account. Click “Register a Bike.” Enter your bike’s brand, model, colour, and serial number. Upload a photo. Done — 5 minutes. This system is used by Vancouver, Calgary, and Edmonton police. Vancouver saw bike theft drop 70% since launch. If your bike is stolen, mark it stolen on the platform and police, bike shops, and community members are alerted. Find your serial number: flip the bike upside down and look underneath the frame where the pedal cranks attach. It is stamped into the metal.

Which Zeus e-bike is easiest to insure?

The Velotric Fold 1 Plus ($1,999). It is the only Zeus model with Apple Find My (24/7 tracking without a subscription), UL 2849 + UL 2271 dual safety certification (what insurers look for), and it folds for secure indoor storage. UL certification reduces insurer risk assessment and may lead to smoother claims and lower premiums. Three other Zeus bikes — Movin’ Tempo Max, Flash 1000W, and Freesky Nova B-360 — ship with a free security starter kit (alarm + U-lock).


The Bottom Line

E-bike insurance in Canada is not mandatory. But “not mandatory” is not the same as “not necessary.” Only 15% of stolen bikes are recovered. Home insurance either excludes your e-bike or pays out a fraction of its value after the deductible. Credit card protection expires after 90 days. And if you hurt someone, you may have no liability coverage at all.

Dedicated coverage starts at $14/month. For a $2,000 bike, that is 8% per year — less than two coffees a week. For a $999 bike, a lock and free Project 529 registration may be enough. For anything above $1,500, the math is clear: insure it.

Your Next Step — Based on Your Bike’s Value

Under $1,000: Use a U-lock. Register on Project 529. Consider an AirTag ($39). Skip dedicated insurance unless you park outside in a high-theft area.

$1,000–$2,000: Call your home insurer using the 6-question script. If covered with a reasonable deductible — done. If not — get Sundays ($14/month) or Pedal Power (~$163/year).

Over $2,000: Get dedicated insurance. Period. The Velotric Fold 1 Plus with Apple Find My and UL certification is the easiest to insure. The Flash 1000W with expandable triple battery carries the highest replacement cost — insure it immediately.

Everyone: Register on Project 529 (free, 5 minutes). Take photos of your bike. Write down your serial number. Do this today.

Find your ride. Browse all e-bikes at Zeus eBikes Canada · Free shipping · Financing available

Published: March 2026 · By: Zeus eBikes Canada Editorial Team · Zeus is a Canadian direct-to-consumer electric bike retailer shipping across Canada.

Latest Stories

This section doesn’t currently include any content. Add content to this section using the sidebar.