Without insurance, if your e-bike is damaged or stolen, repairing or replacing it will have to come from your own pocket - and as cyclists ourselves, we know that e-bikes don’t come cheap. Many cyclists think their e-bike is fully covered under their home insurance. They may only find out they’re not sufficiently covered when it’s time to claim, and by that point it’s too late. Most home insurance policies have low limits on cover for sporting equipment (like e-bikes). Along with low limits, they rarely provide cover if you have an accident or your e-bike is stolen away from home. To find out how well your e-bike is covered under your home insurance policy, here are some questions you can ask your current or potential home insurer: Do you cover my e-bike for theft away from home? Do you provide cover for e-bikes for their full value? Do you insure my e-bike for accidental and malicious damage? Do you provide cover for racing? Do you provide cover for traveling with my e-bike?
We love pedal power, so we cover all electric ‘pedal assist’ bikes. For the purposes of this policy this definition includes electric “pedal-assist” or “pedelec” with a maximum power output of 300 watts and maximum assisted speed of 45 km/hour for on-road models and 32 km/hour for off-road models. The motor may operate to a maximum speed of 6 km/hour without human pedalling. For the sake of clarity, the bicycle is understood to include a standard set of components necessary to render the bicycle functional (i.e. frame, wheels, handlebars, saddle, cranks, group-set, etc.).
Yes it is. When travelling within New Zealand we've got you covered when you take your ride with you and it gets damaged. Domestic travel cover is automatically included in your insurance policy, so pack up, rack up and go.
We also offer cover when you travel abroad. Worldwide travel cover is an OPTIONAL EXTRA and is not a standard addition to your policy, so, this needs to be added to your policy.