E Bike Insurance

[John D9395]

Hi

Just bought a decent e bike and can't believe the quoted cost to insure, anyone got any experience in this field as to the best place to go for a sensible price?

Thanks in advance 👍

[Ultraviolet]

I added mine to my home insurance... is this what you have been looking into?

[John D9395]

Hi

Have our current 'non e bikes' on house policy, and from memory the company we are with have an individual maximum bike value which the new e bikes will exceed.

Ideally, looking for a stand a lone policy

[hoegaardenruls]

Might be worth trying Laka - they can work out a fair bit cheaper than traditional insurers.

[LeadFarmer]

Add it to your house insurance, which is what I do, though most home insurance companies don't cover them as I'm not sure they fully understand what they are. When phoning them they seem to think they are eletric motorbikes.

[Macron]

I would never have bothered until someone told me GoCompare has really good filters for home insurance where you can say you have bikes and their value(s), and only insurers that cover them will quote.

Obvs only really useful on renewal, but telling who adds what markup and who does not. Ie some have "we cover up to X total value for no additional fee", others want make/ model/ year give a figure.

[Barchettaman]

Do you have to declare them as e-bikes when adding them to the policy?

[z4RRSchris]

hoegaardenruls said:

Might be worth trying Laka - they can work out a fair bit cheaper than traditional insurers.

i find they are much more expensive than just adding to home insurance.

[Dog Star]

Barchettaman said:

Do you have to declare them as e-bikes when adding them to the policy?

Our home insurance is with Aviva - we have their "extra" or "plus" or whatever it is level of cover.
You pay a premium based on the value of the most expensive bike, my Haibike in our case. Was around £40. They are fine with eBikes. Covered anywhere including on holiday abroad.