Reed HamptonNov 24, 2022

Question for #BikeTooter, what do folks on here think of E-Bike Insurance?

My E-Bike and accessories is probably worth ~$1100. Insurance for damage or stolen bike is ~$105 a year with $200 deductible.

That would mean it would be worth it if my bike gets damaged or stolen every 8.5 years (assuming claims are accepted).

What do fellow #Seattle folks think!

(For context, my bike is my main mode of trans., and I regularly lock it up outside restaurants and shops)

#Bike #Seattle #Insurance

Get the Insurance
61.1%
Live Dangerous & Cycle Safely
38.9%
Poll ended at .
Show threadKathy J Nov 24, 2022
@reed_hampton my insurance covered both when my $1200 battery fell out during transport (80%, I take it out now) and picked up my health insurance deductible on a $70k ER bill after a crash. Get the insurance.
Show threadReed HamptonNov 24, 2022

@eBikeChick Woah that's crazy! Glad you're all right!

Just to clarify insurance covered 80% of the battery replacement cost? Also is "during transport" like the battery out of the bike on a plane, or while riding the bike?

And the deductible coverage would be nice that's for sure šŸ¤”

Show threadKathy J Nov 24, 2022
@reed_hampton The battery fell out while on my bike rack somewhere between Los Gatos and Santa Cruz on Highway 17. I always thought someone would find it, think it looked very suspicious, and call the cops who would then send the bomb disposal robot to blow it up and Iā€™d see it on the local news. šŸ˜‚ And yes, the ER bill was a shocker. Between the basic ER and trauma response fees, just the cost of admission was almost $30k before they did a thing.
Show threadKathy J 
@reed_hampton Insurance did pay for 80% of the replacement cost of the battery and a few thousand dollars of medical bills.
Nov 24, 2022 at 6:09amWeb