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YorickTheCat t1_itzai3n wrote

That sucks! Thefts like this are often covered under your renters (or homeowners) insurance.

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danhalka t1_iu0spbh wrote

i'm not an adjuster, but fwiw it seems possible the insurer might note that this model has an independent throttle and max speed of ~30mph and could consider it a motorized vehicle and thus exclude it from the policy.

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todareistobmore t1_iu0upq1 wrote

Suppose it really depends on the policy, but IIRC rental insurance has a pretty broad definition of what it covers and includes basically anything habitually kept in the residence.

That said, anybody with rental insurance and an e-bike would do well to confirm if it's covered with their insurance company.

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ccbmtg OP t1_iu5uvuy wrote

it's class 3 electric bicycle, tops out at 28 without assistance. it's legally considered a bicycle, don't think insurance companies can redefine that. class 1 tops at 10 mph, class 2 at 20, class 3 at 28 iirc.

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danhalka t1_iu5w276 wrote

Pretty sure some of those class:mph numbers aren't right. Regardless, some carriers are going to care that the dk200 is a 1200w motor (I know firsthand that mine uses 750w as a cutoff of sorts). It's all going to vary from carrier to carrier. Hope it works out for you.

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