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Hi
As far has I know if you damage property ie a car etc, your public liability on your home contents insurance covers this. Pete
That is my understanding too since normal cycles are not covered in any other way as far as I know.......
I am under the strong impression that the public liability section of your policy covers you against things you do against others while temporarily away from your home EXCEPT where other insurance covers you (e.g. while using a motor vehicle with separate insurance)
If you commit a criminal offence e.g. speeding on a bike (which I think is defined as "furious pedalling ), you can be prosecuted but as you do not have "an instrument capable of indicating your current speed" you cannot be done for speeding.......
BUT criminal offences are followed through using the criminal justice system (they have got rid of the black cover for the wig for going faster than the man with the red flag now though ), damage to someone's property is usually a CIVIL matter (unless you are being done for criminal damage).
I am sure a lawyer or insurance expert will be along soon to correct any misunderstandings I have passed on.....
I fear this is another "I have a mate who knows a chap and his next door neighbour told him a cousin of a pal ....."
Insurance is a legal requirement for any "mechanically propelled vehicle" that is used on a road. To get insurance you pay a premium to an insurance company who will then indemnify you against claims from a third party. A condition of that insurance is that you must "Hold or have held, and are not disqualified from holding, a licence to drive that class of vehicle" (check your own ins POLICY and you will find that wording. NO licence is required to ride an electrically ASSISTED pedal cycle. In fact you can ride one aged 14 years. There is NO licence at all that can be obtained for a mechanically propelled vehicle where the driver is under the age of 16 years!!! Therefore you cannot by law have a driving licence of any sort when aged 14
An electrically assisted pedal cycle is specifically EXCLUDED from the definition of a "mechanically propelled vehicle" PROVIDED that it doesnt weigh more than 40 Kg, has no power assistance over 15mph and has a motor not exceeding 250 watts
See the below link to the Direct Gov webpage that explains it in some detail.
It would appear that the UK regs limit the power to 200 watts but Europe allows 250 watts The question being which set of regulations has supremacy??? I have a 250 watt version so I would argue EU regs apply
HOWEVER EU regs also state that the power assistance only operates when you are pedalling and my bikes have twist grip throttles for no pedalling power !!!
So all in all its a right mess !!! The only consolation I would offer is that the Crown Prosecution Service are very reluctant to take a prosecution if they feel the legislation is "iffy". A prime example being that vexed issue, often aired on here about cars on "A" frames.
I think I might just investigate the matter of third party insurance for my leccy bikes, just to be sure !!!
I have just re-read the webpage and it mentions max power of 200 NOT 250 Watts for solo bicycles !!!
I have a 250 watt version...... my bikes have twist grip throttles for no pedalling power !!!
So does this not mean that under English law your bike should be registered with the DVLA, be subject to MOT regulations, have road legal insurance and you should be wearing a motorcycle helmet?
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UK
), you can be prosecuted but as you do not have "an instrument capable of indicating your current speed" you cannot be done for speeding.......
