Do I need a license or insurance to ride an e-bike?

This question frequently arises due to varying regulations across European countries. Generally, most e-bikes that are pedal-assisted and have a maximum speed of 25 km/h (15.5 mph) with a motor power of up to 250 watts do not require a license or insurance under EU regulations. However, high-speed e-bikes or e-bikes with more powerful motors may be classified differently, necessitating insurance, registration, or a license depending on the country.