Insurer

[nez]

Having just shelled out a large amount for an e-bike, my mind turns to insurance. Has anyone got any positive (or otherwise) insurance company experiences with bike insurance? My other bikes are covered by house insurance but I think the price of the ebike will be too much (for the house insurers).

I ask because I have recently had a very poor insurance experience - not bike related but medical - where the insurer twisted and turned and put up endless obstacles to avoid paying out. So if you are ever buying a channel tunnel ticket be wary of their sold-at-the-same-time insurance!

[Oldjohnw]

I pay with my house+contents insurance. Total about £200. Admiral.

[PH]

If going the household policy route, check you E-bike is covered. It wouldn't be on my TSB policy and that isn't obvious without a full reading of the exclusions.

[Oldjohnw]

Mine is not covered within the general bike coverage (up to £300, I think) but a specific add on. There is a requirement that I always use a gold standard lock, even at home in the locked shed. Not a problem.

[neilob]

Just a word of caution if you rely on home contents cover. My policy was very comprehensive and I was happy that everything was covered until I had a big off on my Cannondale Synapse Neo ebike. I discovered that electric bikes weren’t covered when I read the policy schedule!

[Oldjohnw]

Just a word of caution if you rely on home contents cover. My policy was very comprehensive and I was happy that everything was covered until I had a big off on my Cannondale Synapse Neo ebike. I discovered that electric bikes weren’t covered when I read the policy schedule!

As I said above, you can add the specific bike to your policy with Admiral. Just not a problem.

[al_yrpal]

I use this policy for my electric bike. I dont have home insurance...

https://www.bicyinsurance.com/

Al

[nez]

I use this policy for my electric bike. I dont have home insurance...

https://www.bicyinsurance.com/

Al

Unfortunately I paid £3400 for it and they only insure up to £3000. And before anyone says ‘that’s too much’ its my only motorised transport and i dont want a bike that looks like its made of scaffolding (ie most cheaper electric bikes).

[nez]

Mine is not covered within the general bike coverage (up to £300, I think) but a specific add on. There is a requirement that I always use a gold standard lock, even at home in the locked shed. Not a problem.

Thanks John. The trouble with this approach is I’d need to change my insurer mid year. I have a couple of kryptonite newyorkfagheddaboutit locks so I’ll meet that standard anyway

[Grandad]

Unread postby al_yrpal » 28 Apr 2020, 10:59am

I use this policy for my electric bike. I dont have home insurance..

When you say "home insurance" I assume that you are referring to the contents of your house. These must be worth considerably more than the bike and I find your choice a bit puzzling.

[PH]

These must be worth considerably more than the bike and I find your choice a bit puzzling.

Maybe they're not his to ensure, that's one of several scenarios that spring to mind, sometimes you have to think a little outside your own experience
I do have home contents insurance, but TBH the bikes are the most valuable material things I own.

[PH]

I probably read this on here - E-bikes have become popular enough for the big insurers to take an interest and you can now get a quote from Go Compare.

[al_yrpal]

My bike doesnt look like scaffolding. Its a normal looking quality German trekking bike that I am looking forward to touring on...

https://www.bikester.co.uk/ortler-bozen ... 01047.html

If you ride one of those expensive drop handlebar faux racer type things that attempt to hide the battery in the downtube unfortunately you will be given away by the grinding noises those things usually seem to make. Its probably caused by the cheap staight spur gears that some manufacturers seem to favour.

And... I dont pay buildings or contents insurance which also covers bikes so I have a seperate bicycle insurance which covers well in excess of my bikes value as well as public liability insurance. When I use to have a home insurance policy I did claim from Aviva after damage from a pothole off and recieved the money immediately.

Al

[nez]

My bike doesnt look like scaffolding. Its a normal looking quality German trekking bike that I am looking forward to touring on...

https://www.bikester.co.uk/738991.html

If you ride one of those expensive drop handlebar faux racer type things that attempt to hide the battery in the downtube unfortunately you will be given away by the grinding noises those things usually seem to make. Its probably caused by the cheap staight spur gears that some manufacturers seem to favour.

And... I dont pay buildings or contents insurance which also covers bikes so I have a seperate bicycle insurance which covers well in excess of my bikes value as well as public liability insurance. When I use to have a home insurance policy I did claim from Aviva after damage from a pothole off and recieved the money immediately.

Al

Hi Al
No faux racer for me, but a Koga e-worldtraveller. The Bikester bike you link to looks great, though I'm not a fan of suspension forks. But it's exactly the sort of thing I've been looking at. Glad to hear your note about Aviva - just the sort of info I was hoping for.

[PH]

No faux racer for me, but a Koga e-worldtraveller.

That looks very nice...