Electric Bikes Insurance

Discussion in 'Motorhome Insurance General Discussion' started by Dogsense, Apr 7, 2015.

  1. Dogsense

    Dogsense Funster

    Joined:
    May 5, 2014
    Messages:
    418
    Likes Received:
    110
    Location:
    Leicestershire
    We need to insure 2 Ebikes (too expensive for under house insurance).
    Any recommendations for a good cover with affordable cost?
     
  2. Bailey58

    Bailey58 Funster Life Member

    Joined:
    Jun 23, 2010
    Messages:
    6,380
    Likes Received:
    9,667
    Location:
    Norfolk and Toftir.
    Thought about ours when we bought them, £799 I think for the new one from AS and £250 for a second hand one off a fellow funster. I was under the impression they were covered under the house insurance - up to £1000 per single item etc. but I will have to double check. Perhaps yours are more than your single item cover?
     
  3. Judge Mental

    Judge Mental Funster Deceased RIP

    Joined:
    Sep 2, 2009
    Messages:
    6,782
    Likes Received:
    6,034
    Location:
    Sarth London

    probably cheaper to change the house insurance..that's what we ended up doing as standalone e bike insurance real expensive. We changed to LV
     
  4. Dogsense

    Dogsense Funster

    Joined:
    May 5, 2014
    Messages:
    418
    Likes Received:
    110
    Location:
    Leicestershire
    House insurance cover bikes for £500. I just changed house insurance to cover 120 days away. LV only cover 60 days away.
     
  5. Steve

    Steve Funster Life Member

    Joined:
    May 8, 2013
    Messages:
    1,551
    Likes Received:
    1,796
    Location:
    Compton Berkshire
    Saga, paid a little more becouse of the horse equipment we take around upto £2k per item asked if the leci bike would be covererd they said yes. I moved from Haifax to saga and got a 40% discount as a new customer. cost £60(y)(y)(y)
     
  6. Lenny HB

    Lenny HB Funster

    Joined:
    Oct 18, 2007
    Messages:
    5,258
    Likes Received:
    5,077
    Location:
    West Sussex
    Eddie, I've just looked at the LV policy and found these exclusions:-

    That to me means they are not insured if they are on a Motorhome rack or inside a Motorhome garage.

    They don't give a definition of a motorised peddle cycle, so may or may not include Electricly assisted bikes.
     
  7. Judge Mental

    Judge Mental Funster Deceased RIP

    Joined:
    Sep 2, 2009
    Messages:
    6,782
    Likes Received:
    6,034
    Location:
    Sarth London
    And why you have to be extra careful securing them both travelling and when you arrive..mine currently chained to a tree next to van, but my rack with ground anchor very secure.. I think a stout tree qualifies as a permanent structure :D (and yes I have double checked!)
     
    • Like Like x 1
  8. Judge Mental

    Judge Mental Funster Deceased RIP

    Joined:
    Sep 2, 2009
    Messages:
    6,782
    Likes Received:
    6,034
    Location:
    Sarth London
    Furthermore... In a garage i would still fit ground anchor bolted to chassis. Meant to say most insurance has that permenant structure clause.....
     
  9. Dogsense

    Dogsense Funster

    Joined:
    May 5, 2014
    Messages:
    418
    Likes Received:
    110
    Location:
    Leicestershire
    Sorry for not being in tune but what do you mean:
    1) my rack with ground anchor very secure.
    2) In a garage i would still fit ground anchor bolted to chassis.

    We have at the back of the van, a bumper that the towbar conected to. Planing to chain the two bikes with the bikes rack to the bumper.
    Hope to chain the bikes to the bumper too when parking and off the rack. Will that be good enough for the insurance? Hope time will not have to tell LOL.
     
  10. Littlewheels

    Littlewheels Funster

    Joined:
    Jan 13, 2014
    Messages:
    173
    Likes Received:
    136
    Location:
    West Yorkshire-Andalucia
    Sorry Dogsense! You need to secure your Motorhome to the tree to be totally secure!
     
    • Like Like x 3
  11. Puddleduck

    Puddleduck Funster

    Joined:
    Jan 15, 2014
    Messages:
    6,478
    Likes Received:
    13,815
    Location:
    Scottish Borders
    Best thing is to write to your insurance company to check as you then have their answer in writing. :)

    When I asked i was told that locked in the motorhome garage (gold standard locks and garage locked) was fine, on a rear mounted bike rack wasn't but you do need to check with your own insurance company.
     
  12. Judge Mental

    Judge Mental Funster Deceased RIP

    Joined:
    Sep 2, 2009
    Messages:
    6,782
    Likes Received:
    6,034
    Location:
    Sarth London
    You can only do so much cant you!:)

    Just make sure bikes chained to chassis not bike carrier !

    using two types of lock a good idea as they need different tools for different locks. Pragmasis make good quality chains and padlocks. abus have strong D locks and you can carry these on the bikes when out and about..

    http://securityforbikes.com/security-chains.php

    A ground anchor..only as good as what it's security bolted to!

    http://www.amazon.co.uk/s/?ie=UTF8&...vptwo=&hvqmt=b&hvdev=t&ref=pd_sl_21bax4mo89_b
     
    Last edited: Apr 9, 2015
  13. Dogsense

    Dogsense Funster

    Joined:
    May 5, 2014
    Messages:
    418
    Likes Received:
    110
    Location:
    Leicestershire
    We got a Gold rated Dlock, also a motorbikes chain (from Aldi) to tide the bikes with the cack to the bumper (that bolt to the chassis LOL)
    Still don't understand what is the ground anchor that you use when away from home.
     
  14. Lenny HB

    Lenny HB Funster

    Joined:
    Oct 18, 2007
    Messages:
    5,258
    Likes Received:
    5,077
    Location:
    West Sussex
    Just been tearing my hair out wading through my Nationwide Home policy and looks like we covered up to £4000 per item and up to 60days out of the country.

    Nationwide's definition of a Peddle Cycle includes "Electrical assisted bicycles"

    In the Peddle Cycle section of the policy bikes are covered up to £1000 if you want additional cover you can add them as a specified item, but you do not need to do this as items including bikes are covered under the "Personal Possessions" to a value of £4000 each item. I have checked with Nationwide and they confirmed this.

    Also the restrictions on locking them up are a lot easier:-

    Not covered:-Theft of any bicycle when it is unattended and is not in a locked building or immobilised by a security device.
     
  15. gwyntaxi

    gwyntaxi Funster

    Joined:
    Jun 9, 2009
    Messages:
    169
    Likes Received:
    63
    Location:
    waunarlwydd,swansea
    Maybe worth trying one of the big cycling clubs,it would probably be worth the membership fee to get decent bike insurance,house insurance usually only covers up to £500 max.per cycle andthen only if you specifically request it AND pay an additional premium.hope this helps.
     
  16. Lenny HB

    Lenny HB Funster

    Joined:
    Oct 18, 2007
    Messages:
    5,258
    Likes Received:
    5,077
    Location:
    West Sussex
    Just renewed house insurance, when it came up I got a different story from Nstionwide they said they had to be specified and cost an extra £200.
    Changed to Saga £49 extra for bikes total for buidings, contents & e-bikes £279.

    Only restrictions, when left in a public place must locked to perminant object, also need to inform them when taking bikes abroad.
     
  17. Langtoftlad

    Langtoftlad Funster Life Member

    Joined:
    Apr 12, 2011
    Messages:
    1,621
    Likes Received:
    3,971
    Location:
    Langtoft, South Lincs
    Perhaps a little lateral thinking ???
    Bought a Kryptonite lock for my e-bike and was delighted & surprised that the purchase includes £800 of insurance.
    A thought?
     
  18. Lenny HB

    Lenny HB Funster

    Joined:
    Oct 18, 2007
    Messages:
    5,258
    Likes Received:
    5,077
    Location:
    West Sussex
    OK if you only have a cheap bike, do you know what they are like if you have a claim.
     
  19. Judge Mental

    Judge Mental Funster Deceased RIP

    Joined:
    Sep 2, 2009
    Messages:
    6,782
    Likes Received:
    6,034
    Location:
    Sarth London
    More examples of ground anchors. usually fitted in garages.

    http://www.amazon.co.uk/s/ref=nb_sb_noss_1?url=search-alias=aps&field-keywords=bike+ground+anchor&rh=i:aps,k:bike+ground+anchor

    and one fitted to my rack (red item in centre) Only chance of working if you use high quality chain and padlock......

    anchor .jpg
     
    Last edited: Jun 26, 2015
  20. Judge Mental

    Judge Mental Funster Deceased RIP

    Joined:
    Sep 2, 2009
    Messages:
    6,782
    Likes Received:
    6,034
    Location:
    Sarth London
    I certainly would not rely on it!
     
Loading...

Share This Page