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Old 15-12-2013, 12:40   #1 (permalink)
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Default E Bicycle Insurance

Whats the consensus amongst you guys for getting electric bikes insured. Pedal cycles are not included in our MH Policy.
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Old 15-12-2013, 12:45   #2 (permalink)
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My guess is, it is will be covered on your house contents policy, ours are
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Old 15-12-2013, 12:52   #3 (permalink)
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i had e bike ins last year this year its included in house contenets ins. e bike ins aint cheap
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Old 15-12-2013, 12:56   #4 (permalink)
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Thereby hangs a tale. House insurance is very expensive living in a wooden house on a flood plain (750 pa) - if you can find someone who will insure you. Would you believe that bicycles aren't included in our cover for that premium and are classed as 'Extended Contents cover'.

The other dilemma then with the house insurance is the 30 days unoccupied rule. The same 30 day rule it would appear, applies to specialist bike insurers as well.

Me thinks we will keep our fingers crossed and take a chance - c'est la vie.
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Old 15-12-2013, 13:00   #5 (permalink)
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Check the wording of any policy carefully. I looked at insuring my 2.5K push bike but decided it wasn't worth the cost - about 10% of the value of the bike per year. The problem was I had to use a heavy gold standard lock and secure it to something immovable whenever I parked it. U type locks are fine if there are some iron railings handy but to secure it to anything else you need an even heavier gold standard cable lock.

Of course the weight of the lock won't be such a problem on an e-bike but the most valuable part of the bike is probably the battery so that needs to be secure or you will have take it with you.

You might find a bike is covered on another policy but likely to be a maximum value which won't cover your e-bike.

For my (uninsured) bike I just take care where I lock it up. You get motion sensing bike locks which are worth considering. Like this one: http://www.kabrus.co.uk/xl303.html
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Old 15-12-2013, 13:02   #6 (permalink)
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Noah lived in a wooden house on a flood plain, and look what happened to him!! A bloody elephant sat on his bike!!
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Old 15-12-2013, 13:09   #7 (permalink)
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Quote:
Originally Posted by canopus View Post
Thereby hangs a tale. House insurance is very expensive living in a wooden house on a flood plain (750 pa) - if you can find someone who will insure you. Would you believe that bicycles aren't included in our cover for that premium and are classed as 'Extended Contents cover'.

The other dilemma then with the house insurance is the 30 days unoccupied rule. The same 30 day rule it would appear, applies to specialist bike insurers as well.

Me thinks we will keep our fingers crossed and take a chance - c'est la vie.
also with e bike ins you have to have a minimum of silver security locks on the bike which are not cheap either.
i fitted an eye bolt to the chassis extension and attach the bike to it via a decent coated cable, also put my "strikeback" bike loop through it when parked up for any period.
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Old 15-12-2013, 15:31   #8 (permalink)
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We have had our ebikes included in our house and contents insurance since we had them (3 years)

Last year with Bradford & Bingley they were specifically named and costed, this year with the AA its a specific price for items away from home (5,000)

It would cost around 3,400 to replace our bikes today so we would not be without insurance. We also add 'D' locks and cables and my bike has a wheel lock fitted, you can never have enough security
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