Answered Insurance

[jamied]

I've just called my house insurance to up the limit of the policy and they will only cover a single bike up to £1500 which is no where near enough and they will not go any higher. Does anyone have recommendations for bike insurance in the UK that is not a silly price? I'm really only looking for theft protection. Thanks

 

[Tobi_Laka]

Hi Tobi
Don't forget us backward lot in Northern Ireland.
Pottsy

Never @Pottsy. We do have non-e-bikes customers in NI but the whole license plate topic continues to cause headaches. We'll continue looking into it.

 

[Pottsy]

Hi Tobi
Don't forget us backward lot in Northern Ireland.
Pottsy

Never @Pottsy. We do have non-e-bikes customers in NI but the whole license plate topic continues to cause headaches. We'll continue looking into it.

Hopefully sorted when our politicians get back to work.

 

[Tobi_Laka]

Hopefully sorted when our politicians get back to work.

@Pottsy, I'm sure you have seen the great news that NI now can insure e-bikes without a license plate. Laka will be happy to finally offer cover. Let me know if still relevant an I'll ping you a welcome discount code.

 

[Swissrob]

A pity this is not available in Switzerland although I did get bike cover through house insurance for Chf6000 @ Chf150 per year. Tobi it might be worth contacting Home they have 1100 members in Zurich to make a start up worthwhile.

I found Zurich insurance has stepped up a bit with E-bike insurance, coverage looks good for the price.
Details.
Who can take out a policy?
Private individuals and companies domiciled in Switzerland
What bikes can be covered?
Insurance coverage is available for bicycles or electric or electric motor-assisted bicycles with pedal assistance up to 45 km/h (hereinafter referred to as “bikes”)

Summary of premiums (in CHF incl. 5% stamp duty)

	CHF	CHF	CHF	CHF
Insured sum	2’000	4’000	8’000	12’000
Annual premium	79	99	149	199

Breakdown service on-site (optional) CHF 15

Theft and robbery
Up to 100% of the current new price for an equivalent bike covered, in accordance with the General Conditions of Insurance (GCI).

Accident-related total loss or damage

• In the event of partial damage, repair costs covered (damaged carbon frames repair if possible)
• In the event of total loss, up to 100% of the current new price for an equivalent bike, in accordance with the General Conditions of Insurance (GCI).

Additional transport costs in case of breakdown (included in standard package)

• Additional transport costs covered for bike and rider, to the place of residence or business or to the bike tour starting point
• Additional transport costs incurred by accompanying travelers due to the breakdown
• Maximum benefit per occurrence CHF 500

On-the-spot breakdown assistance (optional)
On-the-spot breakdown assistance by a breakdown specialist if the bike is no longer roadworthy due to a breakdown or an accident
Services performed exclusively on public roads or parking lots in Switzerland and the Principality of Liechtenstein

Where does it apply?

• Anywhere in Europe, whether you’re on a bike tour round Lake Constance or mountain biking through the hills:
• Active breakdown assistance (optional): Exclusively on public roads or parking lots throughout Switzerland and the Principality of Liechtenstein

When does the policy begin and end?

• On the date you selected (no earlier than one day after online conclusion)
• The insurance term is lasts for one (1) year (no automatic renewal)
• Four weeks prior to expiry of the insurance policy you will receive an e-mail reminder to renew the insurance coverage

What cases are not covered?

• Breakdowns due to dead batteries
• Willful damage by third parties
• Any form of racing
• Cycling sports such as track racing, cycle ball, artistic cycling, BMX, slopestyle, dirt jumping and similar activities
• Training rides as a professional athlete