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post #1 of 16 (permalink) Old 09-10-2014, 10:33 Thread Starter
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Insurance for Electric Bikes

Morning Folks,

Me and Mrs Caulkhead have just bought electric bikes. Our Home and Contents insurer (Tesco Bank) dont want to know. Does anyone have experience of/can recommend an independent insurer for ebikes? We are looking for a policy that will cover all bases, i.e., at home when not in use, away from home both in UK and in Europe. Any comments would be appreciated.

Caulkhead
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post #2 of 16 (permalink) Old 09-10-2014, 10:54
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I can't help much, other than to tell you that bicycle insurance is notoriously expensive and riddled with caveats. I own several bicycles & insuring them simply doesn't make sense financially.

I'd buy a good lock & don't leave them laying around where they might get nicked.

D.
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post #3 of 16 (permalink) Old 09-10-2014, 11:06
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Ours are covered by the House Insurance when away from home.......well at least that's what they said on the phone.

As I'm a dyslexic and I've had two stokes you are going to see spelling/grammar mistakes, so please don't act superior and point them out!



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post #4 of 16 (permalink) Old 09-10-2014, 11:07
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I think it's a fairly standard exclusion; my new contents policy (John Lewis insurance) covers ordinary bikes up to £1000 each, anywhere in Europe and worldwide - but does not cover "motorised pedal cycles".

We used to carry Viv's electric bike and my normal pedal bike (worth about £5!!), but had no separate cover, now I've sold the electric one and have a new bike, so made sure my house policy covered it.

I would suggest either call AS Bikes and ask them whether they know any good insurers, or have a search on line if nobody comes up with names on here.


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post #5 of 16 (permalink) Old 09-10-2014, 11:12
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This was discussed a couple of months ago, and it was generally agreed that bicycle insurance is a minefield, electric bicycle insurance is a robber's charter and that the terms and conditions imposed are wholly unreasonable.
We insured our EB's when we first got them and bought pretty expensive locks for them. In the last two years we haven't had a sniff of an attempt to interfere with them, and the insurance has been allowed to expire.
The bikes are double locked onto the carrier, the batteries are in the van and the lock and "ignition " keys separately secreted.
In use, the batteries are locked in place and without the keys the bikes are useless. If I were a bicycle thief I wouldn't bother.
Keep your money.
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post #6 of 16 (permalink) Old 09-10-2014, 11:33
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Our house and contents insurance with the Co-operative Insurance covers electric bikes up to £1000 each at no extra cost.
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post #7 of 16 (permalink) Old 09-10-2014, 11:48
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That's good, ob1.
We use LV and they don't want to know. I'll look at the Coop next time round.
Thanks.
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post #8 of 16 (permalink) Old 09-10-2014, 12:21
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Bikes are not covered when attached to the motorhome.

They must be attached/locked to an immoveable object and I have yet to find an insurer that will accept a motorhome as an immoveable object.

If they are nicked off the bike rack you are not covered
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post #9 of 16 (permalink) Old 09-10-2014, 13:12
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Quote:
Originally Posted by StAubyns
Bikes are not covered when attached to the motorhome.

They must be attached/locked to an immoveable object and I have yet to find an insurer that will accept a motorhome as an immoveable object.

If they are nicked off the bike rack you are not covered
----------------------


Sorry to disagree with you but we have had two costly bikes stolen from the rack of our motorhome and have been paid out without problems by the Co-op.

Ron
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post #10 of 16 (permalink) Old 09-10-2014, 13:27 Thread Starter
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Thanks for the replies. I may well give Co-Op Insurance a call and if they can match my policy with Tesco Bank I would seriously consider changing provider. Tesco charge £20 for cancelling a policy before the termination date but it could be money well spent.

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