E-Bikes & Bikes Customised to You
March 22, 2022
Hey everyone, Peter here, sixthreezero bikes and e-bikes. Here is a topic you may not know a lot about or even know that you should know about it, but it's e-bike insurance. There are a few things you should know that is important, and then you can make your own decision.
All right, so this is a really super exciting topic, bicycle insurance. Okay, so there are a few things you need to know. The one you're probably most worried about is theft or damage to your e-bike. If it gets damaged, if a tree falls on top of it, or if someone sneaks into your house and throws your e-bike out a window and takes off with it, what are you going to do? Are you covered or do you have to buy a new e-bike? Okay. Well, that's what most people think about, but there's probably only one of a few considerations you should have when you think about insurance for your e-bike. Okay, we'll get into the different topics. But first of all, does your homeowner's insurance cover it? Does your renter's insurance cover it? Well, that's going to depend on your state laws and it's also going to depend on your insurance policies.
So you need to look at both. I would first inquire about your insurance policy. It's probably not covered, and that's probably because e-bikes cost more than the regular bike that most folks have. So I think that the more expensive a bike gets, it's not going to be insured, maybe about a thousand dollars. The bikes that I buy are more than a thousand dollars, but e-bikes are almost always going to be over a thousand dollars or, whatever the normal insurance limit is for you. So you definitely want to check your renter's insurance and your homeowner's insurance, if theft or loss is covered. The cool thing about those insurances though, is that if it is covered, it's covered even if the bike isn't in your house like if you're outside of the grocery store are getting your candy bars and then you come outside and your bike is gone, that's covered, as long as the insurance covers it. Of course, you're going to have to talk to them and they may have their own ideas, I don't know. So anyway, theft and loss, that's one thing. Of course, if you crash the bike or do something, or you're out being silly one night and you do something dumb, that's going to be on you, the insurance isn't going to help you obviously.
The next thing is, what if you're riding your e-bike, and I want to be a little serious here because this is sad and this does happen because we're seeing more and more e-bikes on the road, which is I think, just fantastic. After all, now there are more people understanding what it means to ride a bike on the road and the relationship between motorists and cyclists, and e-bikers. So I think that there's more of a share the road mentality.
However, there's also a lot more opportunity for accidents. If you get hit by a motorist, you should be covered by their insurance. If they're not insured, however, you may be on the hook, okay. So that's another reason to maybe get insurance is like to cover your own self, your own injuries if you get injured by someone who is uninsured, okay. So that's the second thing.
The last one, which I think most people don't think about at all, and I never did when I was riding my bike and I never needed it. However, what if you run over a kindergartner on your e-bike? Well, their mom might sue you and then you're going to lose everything you have. So there is liability insurance you can get just like for your car in case you accidentally cause some sort of problem. On an e-bike that can happen because you may be going faster than you would under your own power, so you might want to also consider that about to... Especially if you are a person that has a lot of assets, some do some don't, but it may be worth it to get some sort of coverage that covers you in case you make a mistake and injure somebody or cause some sort of damage on your own.
So basically insurance probably does not cover your e-bike because it costs too much. After all, it's more expensive than what it would normally be a normal bicycle. So check with your vendor's policy. You may want to also check your state laws to see if the e-bike qualifies as a bicycle or as some other sort of vehicle,
and then consider loss and damage to the bike, also injury to yourself, and then lastly, if you want to protect your yourself against your own actions in causing loss or damage to someone else.
That's kind of it in a nutshell, I didn't give you many details because everyone's situation is going to be completely different and it gets very, very technical in legal terms and also insurance terms and state law terms. So, that's the basic overview.
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