Insurance

[MikeButterworth]

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]

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]

mine is on house insurance, costs nothing extra

 

[Gaz]

We just added my Wife's ebike to our house insurance renewal - and the policy cost went down 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]

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]

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]

Same here, about £35 extra for a £2500 e bike on my home insurance policy.

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[DynatechFan]

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]

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