[peheje]

Fair points, but that’s exactly my point—you’re assuming rather than knowing for sure. Medical insurance probably covers you, but some policies exclude high-risk activities or DIY mods, so it’s not always that simple.

And if you don’t think you have liability coverage, that’s exactly the risk. If your policy doesn’t mention bikes, it’s more likely not covered than automatically included. The more you do things outside the norm—like DIY e-bikes—the higher the chance standard policies don’t cover it.

Not saying you’re wrong, just that it’s worth checking so you don’t get caught off guard.