In China, cycle insurance (bicycle or e-bike insurance) is not legally mandatory, but it is increasingly popular—especially with the rise of e-bikes and bike-sharing services. Here’s a quick overview:
🚴♂️ Types of Cycle Insurance in China
- Third-Party Liability Insurance (TPL)
- Covers damage or injury caused to other people or property.
- Highly recommended for e-bike users, as e-bikes can cause accidents more easily.
- Theft Insurance
- Covers loss if the bicycle or e-bike is stolen.
- Essential in urban areas with a high rate of bicycle theft.
- Personal Accident Insurance
- Provides coverage for injuries to the rider in case of an accident.
- Often bundled with general accident insurance policies.
- Shared Bike Insurance (Mobike, Hellobike, Meituan, etc.)
- Major bike-sharing platforms in China offer optional micro-insurance when renting a bike.
- Cost: As low as ¥0.5 to ¥2 per ride.
- Covers minor injuries, theft liability, or accident-related damages.
🛵 Special Note on E-Bikes
China has strict regulations on electric bikes. Many cities now require:
- E-bike registration
- Helmet use
- TPL insurance (in some provinces, like parts of Jiangsu or Zhejiang)
🏦 Where to Get It?
- Online platforms (e.g., Alipay, WeChat, Ping An, PICC)
- Insurance apps and local agents
- Bundled with other personal insurance (e.g., accident or health insurance)
💡 Tip:
Many people in China purchase cycle-related insurance through Alipay or WeChat mini-programs, which offer daily, monthly, or annual coverage.
Would you like help finding some example providers or policies in China (or a sample price comparison)?