Rising claims linked to electric bike injuries have contributed to an increase in car insurance premiums, according to a recent analysis by a non-profit organization. The Motor Insurers’ Bureau (MIB), which provides compensation to victims of uninsured and hit-and-run accidents, has seen a significant surge in claims related to e-bikes and e-scooters over recent years.

Data indicates a sharp rise in the number of claims submitted to the MIB since 2019, with a notable 73 percent increase recorded between 2023 and 2025 alone. These claims, which involve injuries sustained from electric bikes and scooters, have amounted to £108 million in costs incurred from 2015 through May 2026.

The upward trend in injury claims connected to e-bike use has put additional financial pressure on insurers, who often factor these increased payouts into broader motor insurance premiums. Analysts suggest that the growing popularity of electric personal transport devices, combined with higher accident rates and injury claims, are key drivers behind the premium hikes seen in recent years.

While e-bikes and e-scooters offer convenient and environmentally friendly alternatives to traditional transportation, the rise in associated injury claims has raised concerns among insurance providers and regulatory bodies. The MIB’s role in covering costs for victims of uninsured or hit-and-run drivers underscores the broader impact such incidents have on the insurance market and, ultimately, on policyholders.

Efforts to address the increase in e-bike-related injuries and claims may involve a combination of public safety campaigns, improved infrastructure, and regulatory adjustments to better manage the growing number of electric personal mobility users on the roads. However, insurers warn that until injury rates stabilize or decline, motor insurance premiums are likely to remain under upward pressure.