Electric Bicycle Insurance California

Plus if you re injured on your bike in a collision with a vehicle your auto insurance may even cover your medical bills.

Electric bicycle insurance california.

You don t need a driver s license or an endorsement to operate an electric bike in ca. Most people assume their homeowners or umbrella insurance policies extend to their e bikes. There are three different classes of electric bikes. Velosurance is a national bicycle insurance agency founded by two cyclists in response to the insurance needs of bicycle riders nationwide.

Let s take a closer look at why e bike insurance is a good move. From an insurance standpoint electric assist bicycles pose a special challenge. We partnered with an a m best a rated us insurance company to provide a multi risk policy offering protection to all types of cyclists. E bikes can be expensive.

Class 1 ebikes are low speed pedal assisted. However it s important to understand the state s regulations when it comes to operating these types of bikes. Three classes of electric bikes now exist in the state with laws as to where each type may operate. Electric motors of fewer than 750 watts.

A good quality entry level e bike costs upwards of 1 000 an average value e bike runs around 3 000 and a high end e bike costs as much as. In 2015 california updated its bicycle laws to accommodate electric bicycles. Electric bikes and home insurance before you take out a specialist electric bike insurance policy check your home insurance to see what cover you have for pedal cycles. The good news is that most forms of insurance for electronic bicycles is relatively inexpensive and often costs on average 200 or less per year depending on a number of factors.

A motorized bicycle is defined by having pedals and an electric motor with fewer than 750 watts. California electric motorized bicycle laws. Spending this amount for electric bike insurance is worth it especially in long run if unluckily there is an accident takes place. California electric bicycles have.

Electric bicycles in california. Assembly bill 1096 defines an electric bicycle as a bike with fully operable pedals and an electric motor up to 750 watts. Motorized bikes also called electric bicycles are similar to mopeds but california law treats them differently. Cyclists may be unaware they don t need specialty insurance to protect their bicycles.

In many situations bicycles are covered by your standard homeowners renters or condo insurance policy. Most contents insurance policies that include bikes have a low cover limit which is likely to be below the value of your electric bike and unlikely to cover bicycle theft away from the home.