Electric Bike Third Party Insurance, Who,Where? - Motorhome Forums, Motorhome Discussion, Motorhome Chat

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post #1 of 11 (permalink) Old 09-04-2015, 18:45 Thread Starter
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Electric Bike Third Party Insurance, Who,Where?

I have spent a fair amount of time unsuccessfully trying to find third party cover only insurance for the electric bike.

I'm trying to keep it simple, we have two bikes but the consequences of claiming if stolen or damaged etc isn't worth thinking about,however,I would like TP cover as I would be mortified if we injured anyone.

Has anyone obtained third party cover only for an electric bike.
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post #2 of 11 (permalink) Old 09-04-2015, 18:52
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have a look at this thread, further down in the cycling forum

https://forums.motorhomefacts.com/234...ric-bikes.html



I think I've also seen reference to the British Cycling Federation or the Cycle Touring Club providing cover for 3rd party laibilities, but I'm not sure whether it covered electric bikes.



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post #3 of 11 (permalink) Old 09-04-2015, 20:07
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I think you are worrying unnecessary

I doubt you will be travelling as fast as an ordinary bike most of the time,

my son and son in law

Regularly do 100 mile rides in a day on normal bikes

Ou bikes are insured through the house insurance
Aldra
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post #4 of 11 (permalink) Old 09-04-2015, 20:22
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Our bikes are included on our household insurance.

Alan
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post #5 of 11 (permalink) Old 09-04-2015, 20:57 Thread Starter
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Thanks all for the input most relative to theft which I am not unduly concerned about as securing them isn't difficult, still would greatly appreciate any Third Party information if it's out there.
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post #6 of 11 (permalink) Old 09-04-2015, 21:45
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I can understand the need for third party.
Last summer, after taking a wrong road, a nice old gentleman staggered onto the lane I was on and was very kindly explaining which way I should go. I accidentally caught the throttle on my bike which leapt forward and I only just managed to hold it back as the tyres caught the old chap in the chest while the bike did a quick arc through the air. He staggered for a moment, said nothing about the bike but continued telling us where we took a wrong turning. It could have turned out so much worse or if I had listened to my wife and switched the bike off. so much better.

Alan
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post #7 of 11 (permalink) Old 09-04-2015, 21:58
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That may be true

But somewhere along the line comman sense must prevail

There are so many things that can "happen"

I dread to think

If we were insured for all eventualities I doubt we could afford to venture out

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post #8 of 11 (permalink) Old 10-04-2015, 17:33 Thread Starter
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Rosalan had a near miss that could have had a terrible result imagine the same situation with a young child that could have resulted in a massive third party claim.

I would be mortified if I caused any harm to another person young or old and this is why I look for third party insurance in the event of a catastrophe help is at hand "insurance"

Third Party Insurance covers the only eventuality I personally care about!
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post #9 of 11 (permalink) Old 10-04-2015, 17:50
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I understand your worry

But

Will you be bombing along at x Kls

I doubt you will ever reach a speed that experienced non electric bikers do on road

My electric bike is not for speed, it helps me up the hills

I can stop, walk when it seems too busy

Irritate other cyclists

Especially in Germany, by riding on the wrong side

But the hound from hell runs on the left

Sorry he is English
It's how it is

And We are too old to get excited

They ride several abreast

So move over

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post #10 of 11 (permalink) Old 11-04-2015, 00:09
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Quote:
Originally Posted by rosalan View Post
I can understand the need for third party.
Last summer, after taking a wrong road, a nice old gentleman staggered onto the lane I was on and was very kindly explaining which way I should go. I accidentally caught the throttle on my bike which leapt forward and I only just managed to hold it back as the tyres caught the old chap in the chest while the bike did a quick arc through the air. He staggered for a moment, said nothing about the bike but continued telling us where we took a wrong turning. It could have turned out so much worse or if I had listened to my wife and switched the bike off. so much better.

Alan
Perhaps that's why in Spain twist n' go throttles are illegal. Pedal assist are by far safer, speaking as one person hit by a twist n' go when bike was being 'parked' by being pushed into place. The throttle was accidently twisted whilst being pushed, front wheel launches itself skyward and hits me.

Be seeing you! No. 6
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