No items found.

How to Claim Your Ebike Theft Warranty in 2025: Complete Process

No items found.
6/24/2025
Your answer to bike theft.
Join Tempo

As ebikes surge in popularity, so too does the risk of theft. Owners must not only be vigilant in protecting their investment, but also understand how to navigate the warranty claims process if their ebike is stolen. With theft numbers rising worldwide, a clear and comprehensive understanding of the ebike theft warranty claim process is critical for every rider in 2025. This guide provides a step-by-step approach to ensure you secure reimbursement or replacement efficiently, minimizing stress during a challenging situation.

Understanding Ebike Theft Trends in 2025

The landscape of ebike theft has shifted dramatically in recent years. Ebikes, with their significant value and high demand, have become a prime target for thieves. This trend is not isolated to one region; it is a global issue affecting both urban and suburban areas.

Recent data highlights the extent of the problem. In 2023, eBike thefts in the UK increased by 103% compared to 2022, and by 257% compared to 2021. The pattern of rising thefts is echoed in the United States as well. In 2024, Bike Index reported a 15% increase in reported bike thefts, with over 2 million bikes stolen annually in the U.S., valued at more than $1.4 billion. These figures point to a concerning upward trajectory that all ebike owners must be aware of.

Local law enforcement agencies are also seeing the effects. In 2024, the Durango Police Department reported 81 bike thefts, up from 36 during the same period in 2023. The scope of the problem extends to specific ebike components as well. In 2022, the Netherlands saw a 300% spike in e-bike battery thefts compared to 2021. This not only impacts owners financially but also creates logistical difficulties in replacement and warranty claims.

The latest statistics reinforce the targeting of ebikes themselves. In 2024, 12% of all stolen bicycles were e-bikes, highlighting their increased targeting by thieves. As an ebike owner in 2025, it is crucial to recognize these trends and take proactive steps both before and after theft occurs.

Preparing for Potential Ebike Theft

While no one wants to anticipate the loss of their ebike, preparation is the cornerstone of a successful warranty claim. By taking a few essential steps beforehand, you can streamline the process and ensure your claim stands the best chance of approval.


     - Make sure your bike is covered by a THEFT warranty.
    - Your bike's normal warranty on parts and workmanship probably doesn't cover theft.
    - Extended warranties also DO NOT cover theft.
    - To be covered by a theft warranty, you have to purchase a product that warrants against theft, like a Tempo Theft Protection membership.
    - But just purchasing the product doesn't mean you are covered. You need to register with the company and provide them with information about your bike before the warranty will be valid.

Proactive steps not only deter thieves but also ensure you have the required documentation should the worst occur. This preparation will save you time and frustration during the claims process and increase your chances of a successful outcome.

Immediate Steps After Discovering Your Ebike is Stolen

If you discover that your ebike has been stolen, acting quickly and methodically is essential. The hours immediately following the theft are critical for both potential recovery and for laying the groundwork for your warranty claim.

    - Contact your warranty provider, such as Tempo, to inform them of the theft
    - Contact the police to report the theft -- a police report is usually required for warranty or insurance claims

Timely action not only increases the likelihood of bike recovery but also demonstrates due diligence to your warranty provider. Be sure to keep all correspondence and documentation organized, as you will need to submit these with your claim.

Initiating the Ebike Theft Warranty Claim Process

The warranty claim process is designed to ensure legitimate thefts are reimbursed or replaced efficiently. Understanding the general steps and requirements will help you navigate the process with confidence.


     - Assuming you registered with your warranty provider and they already your basic information, the main thing you need to do is get a police report. Tempo requires that you do this within 10 days of the theft, but the sooner the better to increase the chances of your bike being found.
    - Then you file your claim, including submitting the police report. If everything is in order, and your claim is valid, there may be a recovery period during which the company who provided the product with the warranty will attempt to locate the bike. For Tempo is period is 45 days.
    - If the bike can't be found during the recovery period, at the end of the period your valid claim will be paid. In the case of Tempo, this will be for the original retail price of your bike, with no deductible or depreciation, up to a max of $2500.

The processing timeline varies but typically ranges from a few days to several weeks, depending on the provider and complexity of the case. Prompt, complete submissions are the best way to ensure your claim is handled efficiently.

Common Challenges and How to Overcome Them

Theft warranty claims can be complex. Being aware can make a significant difference in achieving a successful outcome.

    - Be sure to follow all of the steps the company you purchased your warranted product from requires. In the case of Tempo, this includes providing proof of purchase, photos of the bike with Tempo's security badges applied, and the bike's serial number.
    - Don't delay on calling the police. A timely police report is key to valid claims.

If you encounter resistance or denial, request a clear explanation from your provider and supply any additional documentation promptly.

Ultimately, preparation, and prompt action are your strongest assets in the ebike theft warranty claim process. By following the steps outlined in this guide, you can protect your investment and ensure the best possible outcome in the event of theft.

When our family bought an electric cargo bike earlier this year, one of my biggest fears was that this lovely and expensive new machine was going to get stolen. So I got the best lock money could buy, and I started to investigate: did I need ebike insurance?

First, I called my homeowners insurance provider to see if they would cover the bike if it were stolen. To my surprise, because it’s an electric bike, not only did my policy not cover it, they wouldn’t even add it for an additional fee or sell me a separate policy for it, the way they did for our family car.

Instead they referred me to an insurance company that specializes in bikes and ebikes. I bought a policy from them and sleep a little better for it.

I’ve heard similar stories from other ebike owners. And I’ve heard worse.

What can happen without ebike insurance

The saddest stories are the ones where someone assumed their homeowners or renters or car insurance covered their ebike, and after it was stolen or seriously damaged, it turned out it wasn’t covered.

And then there are the stories about people whose ebikes were covered by their homeowners policy, but their premium went way up when they made a claim for a stolen ebike.

Why it’s hard to insure an ebike

When it comes to insurance, ebikes land in a gray area outside standard homeowners insurance and auto insurance. Here’s why:

  • Ebikes are new in terms of the insurance industry. Most of the several million ebikes in the U.S. were purchased in the last two years. Insurers aren’t familiar with them, and insurers don’t like to be surprised by unfamiliar products.
  • Ebikes are more expensive than regular bikes. Policies that cover bikes, like most homeowners or renters policies, might have also covered ebikes until the insurer had to pay much larger claims than they expected to replace a damaged or stolen ebike. See above about insurers and surprise. So some policy terms got changed.
  • Finally, ebikes get stolen a lot, and not only from people’s homes. They are ridden and locked up outside all over the place, which makes them more vulnerable than other valuable household items.

Steps to take to properly insure your ebike

The odds that your ebike is covered by your existing insurance is lower than you may think. Here’s what to do to find out if you need ebike insurance:

  1. Call your insurance company and find out what they cover. Things to bring up: coverage of accidental damage, theft, and travel (like what would happen if you flew somewhere with your bike and the airline did a number on it). Does the insurance company consider your ebike a “luxury item”? If you’re happy with the coverage, great! You’re good to go.
  2. Consider bike-specific coverage. If you aren’t covered, or feel like the coverage you do have isn’t enough, here are some things to think about.

Bike insurance covers all kinds of bike specific things, not just theft. Think damage to the bike from a collision, medical payments if you are injured in a collision, insurance for the bike if you are traveling with it or racing it, or a bike rental while your bike is being repaired. Some policies even cover things like accessories (like bike lights and panniers) and riding clothes.

Bike claims won’t affect your other insurance premium. Should you need to make a claim on your ebike, your home insurance premium won’t change or get canceled.

We can help

Want to learn more about ebike insurance? Join Tempo and get easy access to insurance quotes, and other ways to protect your ebike right inside the app.

This is some text inside of a div block.
This is some text inside of a div block.
No items found.
Your answer to bike theft.
Join Tempo