Yeah, I'll have to give them a call. I just logged on and my bike description says "class 3". They've taken two premiums from me to date.I just called Markel ten mins ago and spoke to a lady, i believe Rebecca, she said e-bike coverage only for top speed of 20mph. I would encourage others folks to call to make sure i heard right. I am very dissappointed because my class 3 e-bike is now ineligible.