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 Battery powered bike insurance
1194582 Post Posted: Thu Feb 02, 2012 3:07 pm Thank this member for this postReply with quote Back To Top

rayc Subscriber 10/06/2013 

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There is a letter in this months MCC magazine regarding an e-bike user who was in collision with a bus. He is being prosecuted for having no insurance as it has been 'classed' as a road vehicle not a bycycle. 200watts power has been mentioned.
Does anyone know the actual requirements of the classification as a road vehicle or a bycycle and how you would go about obtaining compolsory insurance if it was deemed required. Would it be subject to an MOT or licence regulations?
 
1194586 Post Posted: Thu Feb 02, 2012 3:11 pm Thank this member for this postReply with quote Back To Top

bognormike Subscriber 08/12/2012 


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Hi Ray

I'm pretty sure, but the bikes sold in the UK are under a particular power level, are restriced so they can't go over 15mph, and are not required to have insurance (and be registered as road vehilces). Presumably if they are under that power level they would be classed as normal pedal cycles?

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1194590 Post Posted: Thu Feb 02, 2012 3:18 pm Thank this member for this postReply with quote Back To Top

bognormike Subscriber 08/12/2012 


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here's a link to a commerial site with their interpretation

http://www.powacycle.com/Are-electric-bikes-legal.asp

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1194621 Post Posted: Thu Feb 02, 2012 4:03 pm Thank this member for this postReply with quote Back To Top

spykal Subscriber 29/12/2012 


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Hi Rayc

I have just read that letter in the MCC mag too....but did you take in that the story is second hand? It is a letter from a MCC member who says he saw the story about the electric bike user in a copy of the Motor Cycle News and the story is related in the MCC mag ...but it is just a story with no refrence ...and the editorial attached is suspect too.

I have already searched the Motor Cycle News for the story ... I cannot find it in any of their recent editions... so it may be case of scaremongering Wink


and here is the law as interpreted by AtoB

http://www.atob.org.uk/electric-bike-law.html

it includes reference to 250 watt motors...like what we have Wink


Mike

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1194624 Post Posted: Thu Feb 02, 2012 4:07 pm Thank this member for this postReply with quote Back To Top

subfiver Subscriber 31/10/2012 


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The point being that if you can be shown to have damaged another's property then you are legally liable. All insurance does it mitigate the financial consequences of that damage. Allegedly

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1194632 Post Posted: Thu Feb 02, 2012 4:28 pm Thank this member for this postReply with quote Back To Top

spykal Subscriber 29/12/2012 


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subfiver wrote:
The point being that if you can be shown to have damaged another's property then you are legally liable. All insurance does it mitigate the financial consequences of that damage. Allegedly


Quite but,

The item in the MCC magazine used the word "summoned" as in

" I have been summoned in connection with a bike I was riding that was involved in a collision with a bus. The bike is an e-bike ( electrically assisted bike) and I was assured by the suppliers that it was road legal as a cycle not a motor vehicle"


and as such they are saying that as he is being prosecuted by the law ... but it is only heresay as the original story came from the Motor Cycle News ...and we do not know if it was an actual news story or if it was seen in their online forum ... as we all know all sorts of daft and, shall we say, "innocently inaccurate" stuff gets said on internet forums Laughing


The jury is still out!


Mike


P.S and electric cycle insurance is available but pricey if you want liability cover included...see here An example insurer for leccy bikes <<<


Last edited by spykal on Thu Feb 02, 2012 4:39 pm; edited 1 time in total

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1194636 Post Posted: Thu Feb 02, 2012 4:39 pm Thank this member for this postReply with quote Back To Top

subfiver Subscriber 31/10/2012 


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Quote:
and as such they are saying that as he is being prosecuted by the law


Yes, the assumption being that he is "being prosecuted by the police"; that it is a criminal matter. But if you damage someone else's property without committing a criminal offence you could still be "summoned" to appear before the court as a civil matter.

The "electric" bit is bye-the-bye anyway I think; as a cyclist, electric or not, I can commit criminal offences for which I could be prosecuted.

Anyway, best not to cycle on the roads in the UK anyway - far, far too dangerous. Give me an alpine descent any day ... Very Happy Very Happy Very Happy

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1194638 Post Posted: Thu Feb 02, 2012 4:40 pm Thank this member for this postReply with quote Back To Top

spykal Subscriber 29/12/2012 


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That is why I agreed with you Rolling Eyes

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1194639 Post Posted: Thu Feb 02, 2012 4:42 pm Thank this member for this postReply with quote Back To Top

Pet12 Subscriber 17/10/2012 


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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
 
1194641 Post Posted: Thu Feb 02, 2012 4:47 pm Thank this member for this postReply with quote Back To Top

subfiver Subscriber 31/10/2012 


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Quote:
That is why I agreed with you


Oh! You did ... ??

Sorry, spykal, not a state of affairs that I'm used too !! ..... Embarassed

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