Insurance

[Noizeman]

I have a 'house' insurance policy which includes bicycle cover (just theft I assume). I tried today to tell the insurer about the e-bike conversion but they didn't seem to know what I was talking about.
Has anyone else insured an e-bike conversion?

 

[STEVEMANFA]

I think most will do it for you, but I just have my bike on my home insurance cuss most of them will want a look on your bike if you want cover away from the home and I don't think it's worth the extra cost of about £150 a year.
They won't pay out if someone just takes your bike off you,

 

[acm2000]

im with HomeProtect and have my bike covered home and away, it didnt add much to my premium at all but then again my bike is Krieger is only a £900 cycle unlike some of the more premium bikes available.

 

[STEVEMANFA]

I'm with LV and if you add bike insurance on your home policy this will add upto 5k cover on each bike you have.

 

[Noizeman]

My concern is that, if the bike was nicked and I made a claim on the house policy, would it be honoured in the case of a 'modified' bike? My base bike is a Marin Eldridge Grade which cost around £1600 (admittedly a few years ago). Add another £700 to that for the conversion kit and that adds up to a sizeable wedge of dosh if I had to replace it like for like. I suspect I need a policy which is based on a specific valuation - if these exist. I probably just need to do some ringing around.

 

[acm2000]

homeprotect just told me as long as have receipt/proof of cost then that will be fine, so if you have proof of the bikes cost you should be fine.