It can actually be much worse and void your insurance. There are kits available to convert a low performance e-bike into a high performance one, which runs muc

It can actually be much worse and void your insurance. There are kits available to convert a low performance e-bike into a high performance one, which runs much faster and needs a registration and a number plate. But cause an accident, which doesn't even needs to be your own fault with such a revamped bike and your insurance will tell you that you're shit out of luck and you will have to pay for the whole damage. Potentially ruining your life.