Electric cycles – make hills a breeze |
Posted: August 21, 2013 |
Electric bikes are a neat invention. Often called the ‘lazy man’s bike’ by the smug, fit athletic type, in reality a boon to anyone whose health or physical abilities aren't what they once were. Making hills and inclines easy, they also extend the range a user has available which with an ordinary pedal cycle would not be attainable. However, as with any mode of transport, always make sure you have adequate insurance – just in case the worst happens. Cycle regulation There is little if any regulation or legal limitations on where, when and how cycles can be ridden. If governments wanted they could make millions in extra revenue by forcing cyclists to pay a tax for using the roads. However, they do not and for that we are eternally grateful. But just because that is the case, don't think for one minute that a cyclist is exposed to any less danger than any other road user. Insurance It is for that reason alone that every cyclist should have comprehensive insurance cover. The insurance policy should include elements which adequately cover the following:
Then of course you may want to consider insurance which covers an interim period of lost time from work, an insurance which will cover mortgage payments etc, should you lose any time from work. Insurance is of course not compulsory; however, for complete peace of mind it should be the first thing a cyclist checks before embarking on a journey. The personal injury element is of great importance. Ask any rider that has been injured while cycling about the damage which can be caused, lost time and medical expenses incurred and you'll probably stand aghast. Uninsured losses can rapidly mount up, as too can the potential for claims from a third party. According to the website of money.co.uk it costs about £26 per year to obtain premium cover, which includes the following:
It doesn’t always include personal injury cover; it depends upon the company which underwrites the policy. However, this can be bought at extra cost, as the website clearly states. For the sake of a lot less than £100 per year, it is an unwise (or foolish) pedal power person who goes without suitable cover. If you never have an accident or other issue while cycling that is no bad thing. If you do have an accident or cause injury or damage to your and/or a third party property, you will be safe in the knowledge you are completely protected. For cyclists who use an seniorland.dk there may be a small surcharge because of the added, non human power factor, but this is likely to be no more than a few pounds. Without the cover you leave yourself open to the potential of financial suicide. For the best of all worlds, an electric cycle and a suitable insurance policy are inseparable companions.
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