Should e-bike owners be forced to buy insurance?

Some cover is sensible but requiring third-party insurance will lower the use of electric bicycles when we need to encourage it

The bike hire shop owner in Cap Ferret, near Bordeaux in France, was rueful as he lent me his new e-bike last summer. “You are going to love it,” he said. “They are so much fun but it won’t last. They will limit the speed, make you wear helmets, show your insurance. Enjoy it for now.”

He was right. It was fun (and the only way an out-of-shape holidaymaker could do the 40-mile circuit of Arcachon Bay in an afternoon). He was right about the rules too: this week, in an amendment to the motor insurance directive, the EU said that anybody with an e-bike could soon be cycling illegally unless they have third-party insurance, or a government scheme that will pay out in the event of the rider crashing into someone.

Individual registration and insurance of e-bikes is the proverbial hammer to crack a nut.

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