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Ebike insurance

EMTBSEAN

EMTBSEAN

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Hi guys

It’s been a while since I last posted anything as I’ve had a bit of a rough time with my mental health and my general health but I’m sort of feeling better and needing some advice on ebike insurance, I moved home late last year and the insurance company I’m with wouldn’t insure my bike for more than £5K so I’m stuck without any insurance, what I’d like to know is, is there anyone else here that has insured an ebike that’s more than 6 years old with a lot of upgrades and managed to get insurance to cover the bike and the upgrades with no problems, if there is, can you tell me which company you’re with please, thanks in advance.

Sean
 
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EMTBSEAN said:
Hi guys

It’s been a while since I last posted anything as I’ve had a bit of a rough time with my mental health and my general health but I’m sort of feeling better and needing some advice on ebike insurance, I moved home late last year and the insurance company I’m with wouldn’t insure my bike for more than £5K so I’m stuck without any insurance, what I’d like to know is, is there anyone else here that has insured an ebike that’s more than 6 years old with a lot of upgrades and managed to get insurance to cover the bike and the upgrades with no problems, if there is, can you tell me which company you’re with please, thanks in advance.

Sean
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I have been with Assetsure since I bought the bike new in 2019.
It is covered at home, in transit, whilst riding, etc, and also covers clothing and equipment.
Storage at home requires Sold Secure Gold locks, chains and anchors, and it must be locked to something in the car if transporting and leaving it unattended in the car.
£205 this year, the same premium as last year, and less that two years ago.
 
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Nicho said:
I have been with Assetsure since I bought the bike new in 2019.
It is covered at home, in transit, whilst riding, etc, and also covers clothing and equipment.
Storage at home requires Sold Secure Gold locks, chains and anchors, and it must be locked to something in the car if transporting and leaving it unattended in the car.
£205 this year, the same premium as last year, and less that two years ago.
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Many thanks indeed for your reply Nicho, the anchor might be an issue as my bike is being kept in my lounge in my house on a wooden floor, the lock and chain is gold sold secure but I think I’ll get in touch with them and get some advice, cheers buddy much appreciated 🙏👍
 
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I'm with Halifax and they're fine with ebikes. If it's worth over 2k you need to add it as a named item, and I think it's up to 20k max.

I've had to claim for a stolen bike once with them, for a Cube Hyde commuter that I bought 2nd hand for £500 and they were happy to offer a replacement to it's new value of £1000. They do steer you towards Wheelies for the replacements, but I think you can get around that if Wheelies don't have anything suitable (they did for me so I didn't question it).
 
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MeatBike said:
I'm with Halifax and they're fine with ebikes. If it's worth over 2k you need to add it as a named item, and I think it's up to 20k max.

I've had to claim for a stolen bike once with them, for a Cube Hyde commuter that I bought 2nd hand for £500 and they were happy to offer a replacement to it's new value of £1000. They do steer you towards Wheelies for the replacements, but I think you can get around that if Wheelies don't have anything suitable (they did for me so I didn't question it).
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Nice one mate cheers, my house insurance is coming up for renewal in April so I’ll give them a call, the only possible issue is that my bike is being kept in my house as I haven’t built my new workshop yep, oh well I can ask about that stuff when it comes to it, thanks again mate 🙏👍
 
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EMTBSEAN said:
Nice one mate cheers, my house insurance is coming up for renewal in April so I’ll give them a call, the only possible issue is that my bike is being kept in my house as I haven’t built my new workshop yep, oh well I can ask about that stuff when it comes to it, thanks again mate 🙏👍
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My bike is in my house too (lower hallway) ;)

I expect they'd consider that more secure than a shed, garage or out-building.
 
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Just insured my new bike with Sundays insurance but from the various policies i looked at most are fine with the bike being in the house and not tethered to an anchor etc. Usual caveats apply like doors and windows to be shut and locked when not home and specifics over what rating your door locks are to be. Was about £220 p.a.

Home insurance wouldn't entertain the idea of insuring a bike for £££££
 
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I've been using cycleplan for a few years now.
Bike is kept in the house in a room downstairs. No need for fancy locks unless i'm out and about.

Can't speak to how well they handle claims though as I've not needed to yet.
 
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MeatBike said:
My bike is in my house too (lower hallway) ;)

I expect they'd consider that more secure than a shed, garage or out-building.
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Mine is in our lounge 😁 not ideal but until I’ve built my new workshop it’s the only place it can go, my Wife is not impressed despite my efforts to convince her that my bike is beautiful 🤣
 
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CabbageBoy said:
Just insured my new bike with Sundays insurance but from the various policies i looked at most are fine with the bike being in the house and not tethered to an anchor etc. Usual caveats apply like doors and windows to be shut and locked when not home and specifics over what rating your door locks are to be. Was about £220 p.a.

Home insurance wouldn't entertain the idea of insuring a bike for £££££
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Thanks for the recommendation pal, I’ll add that to list of possibilities, my current insurer wouldn’t insure my bike when I told them how much it was worth 🤷
 
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Pyr0 said:
I've been using cycleplan for a few years now.
Bike is kept in the house in a room downstairs. No need for fancy locks unless i'm out and about.

Can't speak to how well they handle claims though as I've not needed to yet.
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I’ve seen Cycleplan before and they’re on my list of insurance companies to try, my house has new composite doors and locking windows so hopefully it won’t be an issue, when I said I might need to fit an anchor point to our lounge wall my Wife wasn’t happy at all 🤣
 
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I'm not sure if I'm paranoid but I had to discount cycleplan as the FAQ says
1774003690443.webp

pretty much all full power EMTBs will output more than 250w so in theory they would not be covered.

I went with eversure which has a slighlty different wording
1774003857782.webp


I had visions of coming to claim and the insurance assessor saying oh your bike outputs 500w+ and it being uninsured.

If you have a cycleplan policy i think its worth emailing customer services to make sure you are covered otherwise its worthless

My home insurance had a max bike value limit of £5k, if the bike cost more than £5k it was not insured at all.
 
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ZR1 said:
I'm not sure if I'm paranoid but I had to discount cycleplan as the FAQ says
View attachment 179788
pretty much all full power EMTBs will output more than 250w so in theory they would not be covered.

I went with eversure which has a slighlty different wording
View attachment 179789

I had visions of coming to claim and the insurance assessor saying oh your bike outputs 500w+ and it being uninsured.

If you have a cycleplan policy i think its worth emailing customer services to make sure you are covered otherwise its worthless

My home insurance had a max bike value limit of £5k, if the bike cost more than £5k it was not insured at all.
Click to expand...
The average output for all legal pedal ebikes is 250w. They should not be using peak power but you never know, it's worth clarifying with each insurer.
 
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The person assessing the claim will check it against their own t&cs rather than the eu pedelec ones.

When I was looking loads of them had 250w max output, I don't know how you could argue against it if your 500w shimano/750w bosch/1000w avinox claim was denied
 
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ZR1 said:
The person assessing the claim will check it against their own t&cs rather than the eu pedelec ones.

When I was looking loads of them had 250w max output, I don't know how you could argue against it if your 500w shimano/750w bosch/1000w avinox claim was denied
Click to expand...

They all (Shimano/Bosch/Avinox) meet the EU regulation for class I, and 250W continuous "thermal" rating. It may be worth a clarification.

From Bosch CX:
Screenshot 2026-03-20 at 8.51.13 AM.webp
 
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EMTBSEAN said:
Hi guys

It’s been a while since I last posted anything as I’ve had a bit of a rough time with my mental health and my general health but I’m sort of feeling better and needing some advice on ebike insurance, I moved home late last year and the insurance company I’m with wouldn’t insure my bike for more than £5K so I’m stuck without any insurance, what I’d like to know is, is there anyone else here that has insured an ebike that’s more than 6 years old with a lot of upgrades and managed to get insurance to cover the bike and the upgrades with no problems, if there is, can you tell me which company you’re with please, thanks in advance.

Sean
Click to expand...
You might mention which country you are in. If in the USA the state as well since rates and insurance companies vary by state. Of course the most expensive and restrictive is good old California!
 
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@EMTBSEAN I was with a private broker for buildings and contents and bike cover was unlimited, you just had to tell them what it was. But then they got out of that business and transferred me to the Halifax . The Halifax overall for my main purpose is good. They have a pedal bike policy that provides up to £10k cover, but a max of £5k for any one bike (despite being new for old). They also have an excess of £50 or 10% of bike value per claim, whichever is bigger. Initially this was OK, because despite the new value being more than £5k, the bike was several years old and I would have been glad of £5k. But now I'm on the point of buying a new bike that is again more than £5k and its a problem.

I have tried to persuade the Halifax to show some flexibility, make it a named item, pay more...anything! No deal. The only option will be to find someone else for my main insurance (at renewal maybe, but not now). Or to remove the pedal bike cover from them which will save £38/year or so, pro rata. Then buy specialist bike insurance for considerably more, like £120 for year one and who knows what for year 2? I have time to do that as my new bike will not be here until Jul'26 maybe later!

Come main insurance renewal time, I will be looking at the insurer's bike policy. But the main purpose is to protect the house and its contents from all perils, I'm not going to let the needs of my bike insurance drive the process!
 
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Bazzer485 said:
You might mention which country you are in. If in the USA the state as well since rates and insurance companies vary by state. Of course the most expensive and restrictive is good old California!
Click to expand...
Yeah sorry about that, I sort of forgot it’s a worldwide forum 🤦‍♂️
 
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steve_sordy said:
@EMTBSEAN I was with a private broker for buildings and contents and bike cover was unlimited, you just had to tell them what it was. But then they got out of that business and transferred me to the Halifax . The Halifax overall for my main purpose is good. They have a pedal bike policy that provides up to £10k cover, but a max of £5k for any one bike (despite being new for old). They also have an excess of £50 or 10% of bike value per claim, whichever is bigger. Initially this was OK, because despite the new value being more than £5k, the bike was several years old and I would have been glad of £5k. But now I'm on the point of buying a new bike that is again more than £5k and its a problem.

I have tried to persuade the Halifax to show some flexibility, make it a named item, pay more...anything! No deal. The only option will be to find someone else for my main insurance (at renewal maybe, but not now). Or to remove the pedal bike cover from them which will save £38/year or so, pro rata. Then buy specialist bike insurance for considerably more, like £120 for year one and who knows what for year 2? I have time to do that as my new bike will not be here until Jul'26 maybe later!

Come main insurance renewal time, I will be looking at the insurer's bike policy. But the main purpose is to protect the house and its contents from all perils, I'm not going to let the needs of my bike insurance drive the process!
Click to expand...
Thanks for your help Steve, I’ve got a little while to gather the information I need before I am able to ride my bike again, I don’t know if I mentioned that I recently took early retirement and I’m unable to ride my bike due to my back, the weight I’ve put on and I’m currently waiting for a procedure on my back, so when I’ve improved my weight and more able bodied I’ll phone the many insurance companies I’ve been recommended 👍🙏
 
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You had me looking at our insurance policy Sean...
Our house and contents is with Esure who cover the bikes as specified items, and then they are covered away from home as well, as long as they're locked to something.

They seemed relaxed about our security but the bikes are secured with multiple gold rated Sold Secure locks and ground anchors, so they can't quibble. Also the bikes are on the UK Bike Register so I'm hoping Esure would acknowledge that we'd done as much as possible.

 
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Jackware said:
You had me looking at our insurance policy Sean...
Our house and contents is with Esure who cover the bikes as specified items, and then they are covered away from home as well, as long as they're locked to something.

They seemed relaxed about our security but the bikes are secured with multiple gold rated Sold Secure locks and ground anchors, so they can't quibble. Also the bikes are on the UK Bike Register so I'm hoping Esure would acknowledge that we'd done as much as possible.

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Hmmmm... I read the T's & C's and it is clear that their ordinary pedal bike insurance at £500 max is inadequate but that the Specified Items under Personal Possessions is the route to go. If you have the frame and rear wheel secured with a gold standard lock to a immovable object, you might believe that you are covered. But if the scroats nick the front wheel and the saddle (and probably anything else not secured by the lock) the insurer makes it clear that you are NOT COVERED. Also New for Old isn't clear. But I have only read the bits of the policy you linked to.
 
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steve_sordy said:
@EMTBSEAN I was with a private broker for buildings and contents and bike cover was unlimited, you just had to tell them what it was. But then they got out of that business and transferred me to the Halifax . The Halifax overall for my main purpose is good. They have a pedal bike policy that provides up to £10k cover, but a max of £5k for any one bike (despite being new for old). They also have an excess of £50 or 10% of bike value per claim, whichever is bigger. Initially this was OK, because despite the new value being more than £5k, the bike was several years old and I would have been glad of £5k. But now I'm on the point of buying a new bike that is again more than £5k and its a problem.

I have tried to persuade the Halifax to show some flexibility, make it a named item, pay more...anything! No deal. The only option will be to find someone else for my main insurance (at renewal maybe, but not now). Or to remove the pedal bike cover from them which will save £38/year or so, pro rata. Then buy specialist bike insurance for considerably more, like £120 for year one and who knows what for year 2? I have time to do that as my new bike will not be here until Jul'26 maybe later!

Come main insurance renewal time, I will be looking at the insurer's bike policy. But the main purpose is to protect the house and its contents from all perils, I'm not going to let the needs of my bike insurance drive the process!
Click to expand...

I'm with Halifax for contents insurance and it's £20K max per bike as a named item on your policy.

1774270590210.webp


 
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