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danhalka t1_iu0spbh wrote

Reply to comment by YorickTheCat in stolen ebike from st. Paul and 29th by ccbmtg

i'm not an adjuster, but fwiw it seems possible the insurer might note that this model has an independent throttle and max speed of ~30mph and could consider it a motorized vehicle and thus exclude it from the policy.

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todareistobmore t1_iu0upq1 wrote

Suppose it really depends on the policy, but IIRC rental insurance has a pretty broad definition of what it covers and includes basically anything habitually kept in the residence.

That said, anybody with rental insurance and an e-bike would do well to confirm if it's covered with their insurance company.

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ccbmtg OP t1_iu5uvuy wrote

it's class 3 electric bicycle, tops out at 28 without assistance. it's legally considered a bicycle, don't think insurance companies can redefine that. class 1 tops at 10 mph, class 2 at 20, class 3 at 28 iirc.

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danhalka t1_iu5w276 wrote

Pretty sure some of those class:mph numbers aren't right. Regardless, some carriers are going to care that the dk200 is a 1200w motor (I know firsthand that mine uses 750w as a cutoff of sorts). It's all going to vary from carrier to carrier. Hope it works out for you.

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