Are e-bikes motor vehicles?

Coverage Q&A: This week's question explores whether a non-traditional motorized vehicle is covered under a standard auto policy.

An electric bicycle also known as an e-bike is a bicycle with an integrated electric motor that can be used for propulsion, says Wikipedia. (Photo: Shutterstock)

Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions. Analysis brought to you by our FC&S experts. 

Editor’s Note: This week’s question takes a look at a newer form of vehicle, e-bikes, and how they are treated in insurance policies.

Question: Would you consider e-bikes that have a motor a motorized vehicle?

— New York Subscriber

Analysis: Homeowners insurance policies provide coverage for the dwelling and personal property of the insured, while an auto insurance policy is designed to provide coverage for automobiles. Unfortunately, there are many items such as ATVs, snowmobiles, golf carts, and more that don’t seem to fit in either policy. There are cases, however, when particular non-automobile type vehicles are covered under an auto policy, such as vehicles designed to help the handicapped or vehicles used to service a premise.

Answer: To learn the answer to this week’s coverage Q&A, please log into your FC&S Expert Coverage Interpretation account.

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