Insurance

MikeButterworth

Just Joined
Jan 27, 2018
3
0
76
Wiltshire
Hi, just about, in the spring, to buy my first ebike, what’s the view on insurance? I’ll be spending the thick end of £2000, and I’m not sure wether to add it onto my house insurance, or take out a separate policy. Any views, or recommendations for insurance companies that have been easy to deal with?


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Rutland Cycling

Trade Member
Sep 5, 2017
59
48
33
Rutland
Hi, just about, in the spring, to buy my first ebike, what’s the view on insurance? I’ll be spending the thick end of £2000, and I’m not sure wether to add it onto my house insurance, or take out a separate policy. Any views, or recommendations for insurance companies that have been easy to deal with?


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Hey Mike,

You're more than likely going to get the best deal tagging it onto your house insurance. That usually costs £3-£4 extra a month at most.

Alternatively you're looking at £90-£100 a year at most cycle insurers, with my preferred being Bikmo.

Anthony.
 

acm2000

Pedelecer
Sep 20, 2015
118
39
Ipswich
mine is on house insurance, costs nothing extra
 

Gaz

Esteemed Pedelecer
Sep 14, 2016
720
556
54
Eastbourne
We just added my Wife's ebike to our house insurance renewal - and the policy cost went down :confused: Then we had to phone back as they'd spelled Wisper wrong, and they gave us a £15 cash back for the inconvenience.

Gaz
 

oyster

Esteemed Pedelecer
Nov 7, 2017
10,422
14,609
West West Wales
Mine is on household insurance - something like £30 a year but as it started part-way through, it wasn't a full year.

I keep wondering how much difference it makes to the cover - do specific bike policies actually add much real-world value?
 

Kendalian

Pedelecer
Sep 13, 2016
76
30
73
Cumbria
I am with esure for household insurance which covers bikes up to about £600. My ebike cost £2,200 and insurance on this as a 'specified item' is £37.99p - a LOT less than the quote from Bikmo for a specific bike policy.

Cheers

Kendalian
 

asc99c

Pedelecer
May 1, 2015
78
25
43
Same here, about £35 extra for a £2500 e bike on my home insurance policy.

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DynatechFan

Pedelecer
Oct 20, 2017
215
70
t'North
Used Co-op for house insurance for years as they were very bike friendly - not checked recently but bikes under £1k free, over that was a few quid afiar
 

spanos

Pedelecer
Feb 18, 2011
244
64
I can tell you m&s are free under a grand

The utterly extortionate after that.

And, for comedy value, my auto correct insists on amending uttlery to burglary

Which seems ironic
 
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Reactions: oyster