Cycle Insurance from Bikesure

[Bikesure]

Bikesure have teamed up with Pedelecs in order to offer competitive insurance for bicycles!


At Bikesure, one of our biggest strengths is that we aim to say yes to everyone; whatever you ride or drive, we will try to help. We can now offer you our fantastic bicycle insurance, designed to keep your pedal bike insured at home or away, against theft, damage and accidents. Whether you cycle for work or pleasure, our pedal cycle insurance policy has features to suit you and offer you the best protection we can.

Here are a few details on what we can cover:

• Cover provided for bike theft at home, away from the home or from inside a motor vehicle wherever your bike is properly secured
• Cover provided for bike theft if locked to a car bike rack
• Cover whilst you're on a sponsored charity sportive/event
• Accidental damage cover
• Repair or replacement cover
• Public liability cover
• Cover for bike theft wherever the bicycle is secured
• Personal injury cover up to £10,000
• Legal cover up to £100,000 included free of charge.

Therefore we should be able to provide a policy that meets all requirements!

If we can be of any assistance with insurance related issues then please do send us a PM and we will endeavour to help!

 

[Bikesure]

Hi Pedelecs members,

This is just a short introduction to all fellow bikers and forum members.

My name is Jordan and I've worked for Bikesure Insurance Services for several years now. My role is based working with owners clubs and enthusiast forums to help maintain our strong relationships and help members with their insurance. I have assisted many club members obtain competitive cover over the past few years.

Bikesure (A part of Adrian Flux Insurance Services) is a specialist insurance intermediary. I'm sure that some of you may have already heard of us?

If any members on here have any general insurance queries, I'll be more than happy to try and help. Any advice will be totally impartial so please do not feel that I will be bias towards Adrian Flux / Bikesure.

Some of you may already have a policy through ourselves, If this is the case then I'm here to assist with your existing policy as well. Any enquires, just give me a shout and I will have the matter looked into for you. A quick PM to me will surely be more convenient than having to make a phone call. If it is a more complex issue, don't worry, we will call you back when it's convenient with you.

Anyway, that's me and what I hope to be able to do for everyone!

Kind regards,

Jordan

 

[JohnCade]

You don’t actually use the words pedelec or ebike anywhere in your two posts though? Pedal cycle is used a few times though.

 

[Bikesure]

You don’t actually use the words pedelec or ebike anywhere in your two posts though? Pedal cycle is used a few times though.

Hi John,

We can cover Pedelecs, ebikes,- Almost all bicycles, electric or not.

If you would like any help regarding insuring yours then don't hesitate to get in touch.

Kind regards,
Jordan

 

[oldtom]

Somehow, I feel any insurance covering the risks described in the opening post of this thread is going to be rather expensive. Also, i would guess that the owner/rider of any EAPC found to be non-compliant on examination subsequent to a claim will forfeit any cover.

I'm quite surprised actually that Jordan hasn't been able to provide even a ballpark figure to the forum but perhaps like many other things in life, the postcode will determine how the bean counters assess the risk.

I so hope I'm wrong and Jordan proves to be the messiah of EAPC riders, providing us all with low-cost, peace-of-mind cycling.

Tom

 

[Bikesure]

Somehow, I feel any insurance covering the risks described in the opening post of this thread is going to be rather expensive. Also, i would guess that the owner/rider of any EAPC found to be non-compliant on examination subsequent to a claim will forfeit any cover.

I'm quite surprised actually that Jordan hasn't been able to provide even a ballpark figure to the forum but perhaps like many other things in life, the postcode will determine how the bean counters assess the risk.

I so hope I'm wrong and Jordan proves to be the messiah of EAPC riders, providing us all with low-cost, peace-of-mind cycling.

Tom

Hi Tom,

Thanks for your message.

I would like to think we will be able to help and offer competitive cover for your pride & joy. There are different levels of cover so we should be able to offer a mix of cover and a low premium.

I wouldn't be able to provide ballpark figures or estimates as you quite rightly say there are many, many variables that can have a big difference on a premium.

If I can be of any assistance then don't hesitate to drop me a PM.

Kind regards,
Jordan

 

[the_killjoy]

Slightly off-topic is that item in today's papers:
http://www.dailymail.co.uk/news/article-2967907/Insure-lawnmover-EU-directive-means-join-mobility-scooters-golf-buggies-vehicles-covered.html

which refers to :

As a result, motor insurance is now required to cover vehicles used in all situations — not just on roads.

The definition has also now been extended to ‘any motor vehicle intended for travel on land and propelled by mechanical power’.

 

[flecc]

That's delightfully vague, as ever with the Daily Mail's anti-EU stance. Note the words "may have to" in their article.

These following exemptions are what the law has to say about such vehicles being motor vehicles, liable to have insurance:

Article 2.2.

(a) vehicles with a maximum design speed not exceeding 6 km/h;

(f) agricultural or forestry vehicles subject to Regulation (EU) No 167/2013 of the European Parliament and of the Council of 5 February 2013 on the approval and market surveillance of agricultural and forestry vehicles ( 1 ), machines subject to Directive 97/68/EC of the European Parliament and of the Council of 16 December 1997 on the approximation of the laws of the Member States relating to measures against the emission of gaseous and particulate pollutants from internal combustion engines to be installed in non-road mobile machinery ( 2 ) and Directive 2006/42/EC of the European Parliament and of the Council of 17 May 2006 on machinery ( 3 ) and motor vehicles subject to Directive 2007/46/EC;

(g) vehicles primarily intended for off-road use and designed to travel on unpaved surfaces;

So regardless of that ruling, the law will have to be changed for it to have any practical effect, since that ruling refers to "motor vehicle", and these threatened classes are not classed in law as motor vehicles as the law stands.
.

 

[Deleted member 4366]

Who's going to be the first to get a quote?

 

[Gubbins]

Who's going to be the first to get a quote?

Quote requested.....

 

[Gubbins]

Interesting response from the insurers..
According to their information anything over 200 watts is a motor vehicle and need plates and a crash helmet etc... I am sure the bosch unit is 250 watts, or am I wrong..

 

[flecc]

They are right until the new law is announced as passed by parliament, probably by April 1st this year. They will be unaware of the DfT waiver for 250 watts so are quoting the EAPC regulations, since at present that is all they can rely on in a court.

The Bosch and indeed nearly all e-bikes are 250 watts.
.

 

[Bikesure]

Interesting response from the insurers..
According to their information anything over 200 watts is a motor vehicle and need plates and a crash helmet etc... I am sure the bosch unit is 250 watts, or am I wrong..

Hi Phil,

If you take a look Here you will see that any cycle over 200 watts doesn't meet the EAPC rules and needs to be road registered. Unfortunately we have to stick to these rulings as your policy wouldn't be valid in the event of a claim as your cycle would not be meeting the requirements of the Road Traffic Act.

If you have any further questions then by all means send me a PM and I would be happy to try and help.

Kind regards,
Jordan.

 

[flecc]

See my post above Jordan. New regulations are imminent which change the position. Meanwhile a DfT waiver exists which prevents the police acting against anyone with a 250 watt machine, which virtually all pedelecs and e-bikes are. They are also effectively pedelecs and not motor cycles and are about to become legally so.
.

 

[Gubbins]

As a person who doesn't really understand a lot of the legal speak... does that mean my bike is illegal, or not? And, would I have this issue if I made a claim on my house insurance, who never asked the wattage question

 

[flecc]

See my post above Phill, you cannot be prosecuted by the police for your 250 watt bike. However there is no immunity from civil action so an insurance company has to abide by the old law until the new one comes into force, which is about to happen.
.

 

[mfj197]

So at the moment Jordan can't insure the vast majority of ebikes in the UK, until the new regulations come into force. Shame - it might have been useful!

Michael

 

[Gubbins]

How interesting is this? Even more so the fact that none of this was mentioned when I bought it...... Or in fact in the many posts regarding the dongle issue...

 

[flecc]

Correct Michael, but probably only a month to go before he can. The new law has passed the committee stage of parliament so only needs to be approved by the full parliament now with all parties agreed on it.
.

 

[mfj197]

Correct Michael, but probably only a month to go before he can. The new law has passed the committee stage of parliament so only needs to be approved by the full parliament now with all parties agreed on it.
.

Finally!