Most e-bikes have motors of less than 750W and are considered bicycles, not motorized vehicles. In most jurisdictions, these low-power e-bikes usually do not require registration or insurance. However, more powerful e-bikes with motors over 750W may be classified as motorcycles or mopeds and require registration and insurance.
Registration Requirements
Usually, you only need to register an electric bike (if it is classified as a motorized vehicle, such as a moped or motorcycle). Most areas do not require registration for e-bikes under 750W. However, some areas are starting to require all e-bikes to be registered. Check your local ordinances for registration requirements for e-bikes where you live.
Insurance requirements
Again, insurance is only required if the e-bike is considered a motorized vehicle. Most standard homeowner's or renter's insurance policies provide some liability coverage for e-bikes up to 750W. More powerful e-bikes may require a motorcycle or moped policy. Commercial insurance may also be recommended if you use your e-bike for business purposes.
Conclusion
In summary, standard low-power e-bikes under 750W generally do not require registration or insurance in most areas. However, you will need to confirm this after checking the relevant laws. Motorized vehicles are usually more powerful, and for safe riding purposes, you may want to double check with your insurance company to confirm whether insurance is required.