From the last time I was shopping and asked out of curiosity, I think a lot of companies fell back on the local legal definition for whether or not the e-bike is considered a motor vehicle or not (based on what the agent thought), but not all companies behave the same.
Also for consideration for those looking at insurance: standard homeowners insurance (especially in this area) potentially can be a more expensive option for covering your bike than a separate policy. YMMV of course, but in our case: for my bikes, the 1% deductible on our regular home policy wouldn’t make a loss claim worthwhile, and adding a separate bicycle rider (so lower deductible for just that) was significantly more expensive and less comprehensive than a comparable Velosurance/Markel policy. But that also underscores one of the points in the article: I don’t have an insurance policy because it makes me feel safer or should make you feel safer. I have it because it makes me feel more comfortable about the smaller range of losses I could incur should something happen such as my bike being stolen or something else that would otherwise be covered by my home insurance but maybe at a higher out-of-pocket cost. It also gives me a bit of peace of mind since, without a car, I don’t have an auto policy to fall back on for things like being hit by a uninsured or underinsured motorist.
