I put it higher up, but the cost to insure my USD2k bike is $25 per year. That covers theft, accident damage, liability, I keep it as theft insurance and very sure its worth it.
Insurance is gambling, and the house always wins, right? 24 of that $25 is probably theft insurance, the chance of injuring someone else on the ebike is not zero but so low it’s immaterial.
I put it higher up, but the cost to insure my USD2k bike is $25 per year. That covers theft, accident damage, liability, I keep it as theft insurance and very sure its worth it.
Insurance is gambling, and the house always wins, right? 24 of that $25 is probably theft insurance, the chance of injuring someone else on the ebike is not zero but so low it’s immaterial.
You may be right, it’s written more for racing bikes (human powered) than motored bikes of any kind, so covers damage and accessories and loss of use.