Cheap Breakdown Recovery for Pedelecs and Pushbikes.

[nashdm2]

Just purchased this, great idea, good for the ultimate backup.

 

[JohnCade]

I did earlier today too. Not sure how good the coverage is but as the only driver in the house a taxi estate would be the only other way to get it home.

 

[cwah]

What about thief and vandalism?

Eg. I've lost my fromt wheel?

 

[KTM Bike Industries UK]

What about thief and vandalism?

Eg. I've lost my fromt wheel?

thats neither theft nor vandalism.... thats just careless, especially if it happens whilst just riding along

However, no front wheel really shouldn't prevent you from getting to your destination..

 

[Cyclezee]

What about thief and vandalism?

Eg. I've lost my fromt wheel?

In either instance it isn't going to help, if the bike is stolen there is nothing to recover, if you loose the front wheel, that is just forgetfulness

If however parts are stolen or the bike has been vandalised then yes, they would recover, to my mind it's a 'no brainer', 15 quid is less than the cost of a decent tyre

 

[JamesW]

But remember, this is only breakdown cover, not breakdown cover and insurance!

 

[Deleted member 4366]

This insurance does not cover the following: -

Any incident where the Pedal Cycle is being used for a use not specified in the design and manufacturers specifications, or arising directly out of the unreasonable use of the Pedal Cycle on unsuitable terrain.

Does that mean that all kit bikes are excluded?

 

[Deleted member 4366]

I think you should check with them.
Suppose you had electrical failure a very long way from home and there's some nasty hills along the way back, but you can still pedal the bike. Would you be covered?

 

[tillson]

Just put the £15 in your own bank account each year instead of the insurance company's. Then use the money accrued to pay for a taxi home when your bike breaks down. You will win both financially and in terms of time stood around waiting for Mr Bicycle Repair Man to make an appearance.

I can't see the point of this insurance. What next, insurance in case the sole falls off your shoe?

 

[D C]

I think you should check with them.
Suppose you had electrical failure a very long way from home and there's some nasty hills along the way back, but you can still pedal the bike. Would you be covered?

Good point and I'll bet you wouldn't, It all sounds a little too good to be true, it'll be interesting to see a post from someone who's used this.
Dave.

 

[cwah]

I'm more interested into thieves and vandalism than breakdown.

Getting the front or real wheel stolen is always something in my mind.

 

[jwm]

40kg limit on the policy if anyone is considering getting cover for a cargo trike. I did get a copy of the full policy wording if anyone wants a copy.

John

 

[D C]

Output not exceeding 200 w/15 mph seems to rule most e bikes out.
Dave.

 

[Wicky]

Their head office / call centre is only a couple of miles away from me in Colchester - Might pop in with a puncture to see if the can fix it

Output not exceeding 200 w/15 mph seems to rule most e bikes out.
Dave.

Couldn't see that exclusion in the policy documents - where was it stated?

 

[KTM Bike Industries UK]

Couldn't see that exclusion in the policy documents - where was it stated?

I'm sure that's just because if it's over 200w / 15.5mph it's not a pedal bike it's classed as a motorbikeby the law so wouldn't be covered by this policy

 

[D C]

Couldn't see that exclusion in the policy documents - where was it stated?

In the files attached by John (JWM)
Definitions/pedal cycle.

Dave.

 

[JohnCade]

That must be an old definition, The Lexham policy doc defines an e bike as not more the 250w and 15.5 mph.

 

[Wicky]

Yup the new doc was updated 16 Dec 2014
The older one was published 29 July 2014

 

[Deleted member 4366]

The bike must be located in the Uk at the time of taking out the policy!
According to that, if you've already bought your policy and then you buy a nice new 2015 KTM in the spring, you won't be covered. That seems to be a daft clause. I can't see why they have it since you're only covered for UK break-downs.

Bromptons are just about the only bikes made in the Uk, so, basically, any other bike you buy after you take out the policy won't be covered unless you can prove that the dealer had it in stock.

 

[neptune]

On the phone I was told that the policy covered the insured, not the bike, and that any bike you were using whether you owned it or not would be recovered in the event of breakdown.