Lakewood, CA — April 28, 2026 — Tern, a global leader in electric cargo bikes and urban mobility solutions, has selected BikeInsure as its Official Electric Bike Insurance Partner under a new multi-year agreement. The partnership provides Tern customers with access to opt-in electric bike insurance designed specifically to protect Tern e-bikes against theft, transit damage, and riding accidents nationwide.
Electric bikes are often excluded from homeowners and auto insurance policies, leaving riders without meaningful protection for their valuable e-bikes. While a manufacturer's warranty covers defects in materials or workmanship, it does not address real-world risks such as theft and accidental damage from riding or transit. BikeInsure fills this gap with a dedicated policy designed specifically for e-bikes — exposures that fall outside the scope of a warranty.
"Electric bikes represent a meaningful investment, and customers want clarity on how to protect that investment from unexpected events. Our collaboration with BikeInsure simplifies that decision with a two-minute enrollment for a dedicated electric bike insurance solution covering new and previously purchased Tern e-bikes, including valued non-stock accessories. This approach allows Tern customers to enjoy their bikes with greater peace of mind and ride with confidence," said Steve Boyd, General Manager, North America, Tern.
This standalone bike insurance solution provides financial protection for eligible Tern e-bikes and listed accessories, with a low deductible and a streamlined claims process that lets customers repair or replace their bikes quickly after a covered loss.
"I've seen how important it is for e-bike owners to feel confident their investment is protected," said Buzzy Cohn, CEO of BikeInsure. "Electric bike adoption continues to grow in the United States, and with it comes the responsibility of insuring these higher-value bikes the right way. Because homeowners insurance does not provide meaningful protection for electric bikes, the wise choice is Electric Bike Insure — our dedicated electric bike insurance solution. Through this program, Tern customers have streamlined access to financial protection that addresses theft, transit damage, and accidental damage from riding, ensuring they are only a small deductible away from restoring their e-bike and listed non-stock accessories and getting back on the road."
Why Electric Bike Insure Matters for Tern Riders
As cargo e-bikes and urban utility bikes increasingly serve as primary transportation for families — from school drop-offs to grocery runs — protecting these higher-value electric bikes is critical. Accidental damage while riding or in transit, as well as theft, can result in significant out-of-pocket expenses. Manufacturer warranties do not cover theft or accidental damage, and homeowners policies typically exclude electric bikes. Electric Bike Insure offers a standalone insurance solution designed specifically for e-bikes, enabling Tern riders to safeguard their investment and maintain uninterrupted mobility. Claims are administered directly through BikeInsure and do not impact homeowners or renters insurance policies. Tern riders can learn more and enroll through the Bike Insurance page on Tern's U.S. website.
About Tern Bicycles
Tern is a globally recognized leader in electric cargo bikes and urban mobility solutions, focused on helping families and businesses use bikes as a primary mode of transportation. Founded with a mission to build smarter, more useful bikes, Tern designs products that prioritize safety, durability, and real-world utility. Its electric cargo bikes are used worldwide for daily transportation, carrying kids, groceries, and gear while reducing car dependence. Learn more on the Tern website.
About BikeInsure
BikeInsure is a leading provider of bicycle and e-bike insurance in the United States, offering affordable and comprehensive coverage designed specifically for bicycles, e-bikes, and para-adaptive cycles. A licensed insurance producer, BikeInsure is the Official Bike Insurance Partner of Tern Bicycles USA, as well as USA Cycling, the International Mountain Bicycling Association (IMBA), and USA Triathlon. BikeInsure administers the insurance program underwritten by Great American Insurance Company, rated "A+" (Superior) by AM Best and authorized to operate in all 50 states and Washington, DC. For more details related to BikeInsure, visit FAQ or Contact.
