Well, it's weird that my post about the GPS app not working is still not approved. I've been posting on the other thread just fine this morning. Hopefully someone approves it soon so people know my experience.
Anyway, I have more questions about this insurance policy and I'm honestly starting to feel like a fool for even taking out the whole package.
I paid £299 for the tracker, backpedal service and Sundays insurance via Wispers when I ordered my bike in December. I was awaiting it getting the full throttle certification so it arrived at the end of January. None of this is to say anything negative about Wispers bikes. I have a minor fault on the bike which I'm sure will be resolved, but otherwise the bike is awesome.
However the insurance requirements from Sundays are super strict, to the point of being impractical. I don't know how anyone is going to get a sold secure gold lock around all of the bike and QR wheels and into an isofit loop in a covered boot in a locked car, for example. The requirements for locking in your own shed or garage are also extremely detailed and leave room for user error, invalidating the claim. For example, my metal shed is on a wooden floor base, not concrete, so I was trying to get clarification on this. When I asked Wispers for their advice on locking the step through bike when out and about, the response I got didn't make sense and directly contradicted Sundays terms (cables that come with SS gold locks are not approved to be used to secure QR wheels).
Sundays offer comprehensive insurance separately from backpedal. One guy says he was paying £300 a year for a £6000 bike on road.cc but struggling to meet the requirements.
Hi I don't think that I can meet the security requirement of bike insurance. I have just taken out insurance for my new ebike. The bike cost just over £6,000 and the insurance just under £300. Firstly, I am very lucky to be able to spend such a lot of money on one bike (I have recently retired)...
road.cc
I paid £299 to cover my £2500 ebike (including a year of backpedal retrieval & the GPS tracker) but the insurance that comes with backpedal is not fully comprehensive. Only covering theft of the full bike, or damage to parts in an attempt to steal the whole bike. But I'm required to lock the front QR with a SS gold LOCK (not additional cable) in order to meet the requirements. This is impractical on my shape and style of bike and I'd probably need two locks to keep it secure. In some places I'm ok with the risk of my front wheel being nicked , since I'm the one who would pay for replacement. But by not locking it, I would invalidate the insurance if the full bike was stolen. I am still awaiting a response from Sundays via backpedal from last Friday about this. I asked for suitable ways to lock my step through bike.
I was told it will be £170 a year after the first year, by backpedal.
On backpedal's own website, I'm quoted £13 a month cover with one month free over a year. £143. Retrieval and insurance. It says the live GPS tracker costs £149 plus £50 installation. So altogether I got £342 "value" from Wisper for £299.
BackPedal is a nationwide provider of theft protection services for ebikes. Using GPS trackers and dedicated recovery teams, BackPedal is the best chance of getting a stolen ebike back, recovering after 9 out of 10 thefts.
backpedal.co
But if I can get fully comprehensive insurance from Sundays for £118 a year (crash damage, malicious damage, vandalism, stolen parts etc covered) or with additional personal injury and liability cover for £142 a year then why get this backpedal package at all? What's the point in bike retrieval if I have no cover of my bike in a crash? Or mugging while it's unlocked? What was the benefit of paying £150+ for the tracker? If they are getting 9 out of 10 bikes back, why is the ongoing annual cost for me greater than comprehensive insurance cover?
The terms are still ridiculously strict for Sundays insurance compared to Laka for example, but the price difference is notable between the package received via backpedal and the one straight from Sundays. The comprehensive cover from Sundays does not have any requirement to keep your tracker battery above 20%, or to even have a tracker. I'm not sure how strict they are with that requirement but if I've not been well enough to go out on my bike for a few weeks and my battery is in the house, I'd hate to have an insurance claim denied because my tracker battery was too low. Clarification on this is needed as well as being unable to access the GPS app at times.
I could have paid £142 for 12 months cover straight from Sundays and and had BETTER cover. (Still don't recommend them though)
I've emailed backpedal to cancel my insurance with them & Sundays, if at all possible to do it separately from the tracking service, as I already have the tracker installed.
I got cover from laka for £240 that will actually cover me at home without my shed having a 3 point locking system, without having to isofix the bike and front wheel to the inside of my locked car, and that will allow me to park the bike to go into the shop with only one sold secure gold lock (as I cannot reasonably secure the bike and the front QR wheel to an immovable object with just one SS gold lock in the way Sundays terms require).
The only thing I like about the tracker is that it should, in theory, set off an alarm if my bike is moved, which might be handy for catching someone in the act but am I really going to confront thieves? (Plus it didn't work at all yesterday as I shared in my unapproved post)
Ok well that's my long rant. I feel like an eejit for taking the package when a cheaper insurance deal would leave me with more peace of mind, and more ease of use of my bike. I'd read a lot of good things about Wispers and their bikes and customer services, but I think in terms of this package, it's maybe not the same kind of standard they have been praised for before. I've now ended up spending more just to have cover that I can relax about. I'll update if I manage to get a refund for part of the package.
Any more questions just ask, I've got loads more paperwork/screenshots etc I can share for anyone considering it.