Denied Velosurance

HLee

New Member
Hi all!

so I just tried to Insurance my new Civi Cheetah with Velosurance. It’s a class 3 e-bike and can go up to 28mph with the throttle alone. Apparently Velosurance won’t insure e-bikes that go passed 20mph.

Anybody have any recommendations for companies that will insure class 3 e-bikes?

thanks all!
Heather
 

Dewey

Well-Known Member
Hi all!

so I just tried to Insurance my new Civi Cheetah with Velosurance. It’s a class 3 e-bike and can go up to 28mph with the throttle alone. Apparently Velosurance won’t insure e-bikes that go passed 20mph.

Anybody have any recommendations for companies that will insure class 3 e-bikes?

thanks all!
Heather
Heather, I think others have reported Velosurance will insure Class 3 ebikes which have the throttle cut out at 20mph (see https://electricbikereview.com/forum/threads/insurance.29459/post-213845), but pedal assist can continue to accelerate up to 28mph. Sorry I don't think there are any other insurance options unless you're a home owner.
 

HLee

New Member
Heather, I think others have reported Velosurance will insure Class 3 ebikes which have the throttle cut out at 20mph (see https://electricbikereview.com/forum/threads/insurance.29459/post-213845), but pedal assist can continue to accelerate up to 28mph. Sorry I don't think there are any other insurance options unless you're a home owner.
Thanks Dewey. I am actually a homeowner, so I'll check in with my insurance company. I was assuming since my Cheetah has a motor they wouldn't cover it. I will definitely double check though.
 

Tars Tarkas

Active Member
From what I've heard, homeowners' insurance can run the gamut of coverage, but most often it's coverage is minimal for ebikes. Theft, for example, may be $1000 deductible and only cover the depreciated cost after that. And it may not cover liability and medical coverage. Talk to your rep; don't make any assumptions! I went with Merkel, which underwrites the Velosurance policies.

Depending on how important insurance is to you, you might want to change your choice of bikes, if you haven't bought one already. But check Merkel. Their take on watts and speed might be a little different than Velosurance.

TT
 

Over50

Well-Known Member
Hi all!

so I just tried to Insurance my new Civi Cheetah with Velosurance. It’s a class 3 e-bike and can go up to 28mph with the throttle alone. Apparently Velosurance won’t insure e-bikes that go passed 20mph.

Anybody have any recommendations for companies that will insure class 3 e-bikes?

thanks all!
Heather
What I recall from the Velosurance fine-print is that it can't go past 20 mph on throttle alone (not, as you wrote, that it can't go past 20 mph). I have my class 3 bikes insured with Velosurance. If you have a bike that can use throttle alone up to 28 mph, then I don't think it is class 3. Maybe I'm wrong but I think the class 3 definition is no throttle and 28 mph pedal-assist.
 

HLee

New Member
What I recall from the Velosurance fine-print is that it can't go past 20 mph on throttle alone (not, as you wrote, that it can't go past 20 mph). I have my class 3 bikes insured with Velosurance. If you have a bike that can use throttle alone up to 28 mph, then I don't think it is class 3. Maybe I'm wrong but I think the class 3 definition is no throttle and 28 mph pedal-assist.
Thanks for your response. You’re right, I misspoke Velosurance’s policy. Yes, 20mph limit on throttle alone.

I have a Civi Cheetah. It’s my first electric bike. The Civi Bike website says it is Class 3. EBR did specify in its review that in specific configurations, it could be considered a moped.