E-bike theft anxiety is real but what are you actually doing about it?

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PeachLower5901@reddit

i only ride when i can keep one eye on an expensive bike if i stop somewhere. i use a beater bike for running short errands.

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Actually thinking of putting a camara on mine , I got chain lock , and Alarm , GPS, but after an incident a few weeks ago , I need a camara , went to Popeyes Drive thru was Backed up so I went inside , there was a Guy in a girl sitting in a Honda civic , smoking , I paid little mind and went inside , when I can out , my JBL extreme 4 was hanging , on one side the straps were broken or cut , now these zip ties hold up to 175lbs , they are almost a quarter inch thick , a lady I. The drive thru line told me the guy got outside the car and attempted to snatch the speaker off my bike which sounded the alarm and he ran jumped back in the car and drove away “ ( this was at a Mall ) I rode back home and replaced the strap , also added 3 more straps on both sides , never thought they’d go for the speaker lol

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AttitudeCharming7629@reddit

Get insurance on your bike. State Farm. Allstate. Geico. The all can do it. Also, get Triple A RV+ roadside. They’ll tow you and the bike to a shop.

I have my ebike insured with Allstate to purchase value. $8 a month. + Triple A RV+ for $84 per year. Comes with 5 tows per year.

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Tomj_Oad@reddit

Insurance.

For 15 bucks a month Sundays offer full cost reimbursement rather than depreciation in case of theft.

For 3500 invested, it seems cheap.

I still do two kryptonite NYC chains and remove the battery if I'm going to be out of sight of it for any length of time

I've got an Android tracker and my bike comes with an Airtag

If Android can't find it Apple likely can

I just need a buddy with an iPhone which isn't difficult

I still have insurance and it gives me peace of mind like no lock or tracker can

Just my two cents

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vladiz@reddit

Trackers don't do much help to recover a stolen bike. You can see where the bike is, you call the police, they come with you to the place where your bike is, ask the people who live there if they have your bike, the people say "what bike, we don't know anything about it". And the police has no right to enter and check even if you show them the tracker is there. You need other evidence of the theft, video, a witness ... And to obtain all of this you will need time. During that time they find your tracker and remove it, and move the bike to another location

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TopRepulsive4766@reddit

While the sequence of events in your scenario would indeed not recover the bike. If you change up the order of how you approach this, you can likely recover the bike.

First you get the police to obtain a search warrant before they make any kind of contact with the thief. They will probably do this if you request or mention it to them and explain that rushing in will alert the thief to relocate the bike and find and remove the tracker. Most judges will issue such search warrants.

With that search warrant, they can immediately enter the premises and locate the bike. And since the thief has not been warned, there is a good chance your bike will be recovered.

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jimmypopjr@reddit

I work in a police station, and this is one of the most uninformed takes I've ever seen.

You can't just walk into a police station and order up a search warrant like a fucking Big Mac.

And for a simple stolen bike, of relatively low value, and no evidence that it's part of a larger crime operation... officers aren't going to jump to a search warrant as their first option, if they even choose any action over just filing a police report for stolen property and sending you on your way.

At BEST they may take a ride over there, speak to the tenants, see if the bike is openly visible, etc. Even then, if they did that for every piece of stolen property, there would be 0 police left to do anything else.

To even start the process of obtaining a search warrant the police officer needs to write a sworn affidavit, citing specific investigation, evidence, and probable cause that goes way beyond "trust me bro" from a possible bike owner who walked into the station with their "Find My" app open.

Police and judges take the fourth amendment seriously, and will need to clear a high burden of proof, which probably isn't worth everyone's time for a simple stolen bike.

Not only will they need serial numbers and proof of purchase, but justification on why police resources should be used for this and not elsewhere. The burden of proof is high, and police stations have limited resources.

This is why it's relatively rare to recover stolen items through the police, even when a tracker is in play. Most stolen items below a certain value, especially if taken in a non-violent crime, are not worth the time and effort to pursue. Full stop.

And both judges and officers will rightly question whether this merits a possible violation of unreasonable search and seizure, as there are consequences if a search warrant is executed with insufficient or bogus evidence. "The guy walked in and told us to get a search warrant" does not clear the burden of proof for probable cause.

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TopRepulsive4766@reddit

Well, while it may not work where you live. It has worked here. And yes, I did over-simplify the process.

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Sunny_Unicorn@reddit

My insurance includes a tracker, and is provided by a company that will send two guys to go out and get your bike back. 80% success rate apparently. This is in the UK.

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ProfessorOkay55@reddit

My bike was stolen and I airtagged it to a known homeless bike scrapyard under the highway. Went over there and gave them $20 to give me my bike back before they tore it apart.

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F_Steve_Huffman@reddit

I'd totally have stolen that (my) bike, bruh

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snoogins355@reddit

Why you have 3 trackers. 1 the deterrence/sacrifice, 2 well hidden. The hidden ones label 2 and 4. Put 4 really hidden away, behind the controller or battery compartment.

If the bike comes with a tracker, you're good

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beagles4ever@reddit

I personally know three people who recovered bikes with Apple Tags. So…maybe you’re not correct.

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Seikoknot@reddit

Definitely do not take this comment as a reason to not use a tracker on your bike

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vladiz@reddit

Definitely do not take this comment as a reason to rely only on tracker

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Neat_Address221@reddit

Zero chance you're getting paid out of stolen at 15/month

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SkyBlueNylonPlank@reddit

Yeah they're gonna require a video of it being stolen as well as proof you had a $200 or greater lock at the time and ship the cut lock into their headquarters in central australia

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Pink_Moonlight@reddit

I pay like $140/year or something for full coverage with statefarm.

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ragesincemdxvi@reddit

That's a killer deal. Do you bundle it with any other sort of insurance from state farm?

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Pink_Moonlight@reddit

I also have car and renters insurance through them, so im not sure if they gave me a discount. But it's just their personal property insurance. You could cover anything you wanted. I had to tell them the time of bike and dollar amount I wanted covered.

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ragesincemdxvi@reddit

Oh OK, so it's not a bike specific insurance say it doesn't cover theft being locked on public space away from home?

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Pink_Moonlight@reddit

It covers the item. They told me theft is included even if it's away from home.

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100BottlesOfMilk@reddit

I pay $60/year for mine, but i live in Europe

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Careful_Conference29@reddit

Trying living in brum, you can’t even ride it without feeling some cunts on mopeds balaclavaed up are about to threaten you. See it happening daily

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Equal-Temporary-5739@reddit

Bought a lock that has insurance when registered.

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Alfred_Hitch_@reddit

Unfortunately, I'm just not using the bike. I can't take it out without extreme fear of turning around and having it stolen.

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robin_the_rich@reddit

What’s the point in even owning it

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Alfred_Hitch_@reddit

None at this point. I should sell it.

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robin_the_rich@reddit

Just use it and try to lock it up the best you can.

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WillardHonex@reddit

Just take the battery out and keep it with you. No one is stealing a bike with a properietary battery with 300+ dollars

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s0nicfreak@reddit

Oh come on. A thief is not going to take the time to figure out what battery a bike uses before deciding to steal it or not.

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stormdelta@reddit

Besides having a strong and crucially short U-lock, I also worked to make the bike less of a target in the first place.

It's a DIY setup that's intentionally a bit ugly and unique-looking, I even have wiring that looks intentionally worse/sketchier than it actually is, cosmetic duct tape, etc. The point is to make the bike look less valuable, and if it is stolen, highly recognizable as someone's hobby project they'd be very invested in getting back.

On top of that, while it has a normal-ish king shark rack battery in the middle, it'd hidden inside a triangle back with the rack bolted to the frame through the bag. It's surprisingly non-obvious to someone just passing by.

I also never leave it anywhere outside overnight, and try to always lock it up in high visibility/traffic areas, ideally somewhere in view of a security camera if it's going to be there more than an hour.

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ImpressionBorn5598@reddit

(This is a lightly edited copy-paste of a reply I made to a previous, similar post)

Tips for bike security:

Get two strong locks, of different styles, per bike. No lock is thief-proof, but if you have, say, a good quality chain/folding lock and a good d-lock, they will require more time and additional tools to free the bike than either one would alone. I use a Kryptonite NYC lock and a Foldylock Forever (a heavy chain is more secure than a folding lock, but I’m addicted to the convenience of storing the folder right on my bike). Always secure the rear wheel and frame—the rear hub motor is valuable on its own, and the frame is, uh, the bike.

It’s counterintuitive, but don’t park a bike in a secluded area where you think it might be hidden from potential thieves. All this will do is give any thief who does come across your bike lots of alone time with it. Park in well-lit areas with lots of foot traffic. An alarm is nice, too—I have a Knog Scout that hides on the water bottle stays under my folding lock. In addition to the motion alarm, it pings its location off of Apple’s FindMy network like an AirTag.

This might not appeal to you while your bike is shiny and new, but once it’s a little more scuffed up and lived-in, consider slapping some stickers on it. Stickers are a cheap way to make your bike less appealing to a potential reseller—either limiting the bike’s marketability or giving a thief the annoying chore of scraping them off—and they make your bike more immediately identifiable in the short term. If your bike is from a name brand, bonus points for covering up the logos and branding; a recognizable bike resells easier than no-name bikes, and therefore may attract unwanted attention.

The single most crucial tip I don’t see often enough is: Take your battery off whenever possible. Bring along a bag that can accommodate it and just take it with you when the bike is parked. Yes, it’s annoying to have to lug this heavy thing around, and in some situations it won’t be doable, but the battery is usually the single most expensive component on the bike, and few things will more negatively affect a bike’s resale value than missing one. Most bike manufacturers sell rubber battery terminal protectors in case of weather (I’m sure you can get them on Etsy also), and I use a water-resistant sling bag to keep the battery itself safe while I carry it.

Using these strategies, I’ve been parking while going to the movies, even whole shifts at work, with no issues. It’s always a gamble, but I’ve sought to make my bike not worth the trouble (two locks, no brand logo, and a bunch of annoying stickers, with an alarm going off in front of plenty of witnesses if they do try something, all for a bike with no battery) and so far it’s working.

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kurisu7885@reddit

They make backpacks specifically for ebike batteries too. I haven't found one since but I HAVE seen one with a battery holder in it.

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Happydread200@reddit

As for locks if you got the money a hip lock d1000 or dx1000 plus one more. Different style. I can stress enough about two lock with two attack vectors. 3 time I have had one lock broken and the other they leave as quite often then can do one but not the other.

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klikbeep@reddit

This right here. The Hiplok DX1000 is an absolute unit. I’d get a DX1000 and one of the other locks mentioned in this thread.

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Creamy_Nubs@reddit

Just a little something Id like to add to the sticker idea.
Get eggshell stickers as they are very hard to remove and it could even be a tactical idea to get them custom made to say things like “STOLEN if resold – Contact: [your number]” or “Frame ID Recorded | Police Traceable”.
Not necessarily going to deter all thieves but it seriously affects their ability to resell and could put them off trying to begin with.

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F_Steve_Huffman@reddit

So then you have to cycle around on a bicycle saying STOLEN? Bruh. The odds of having your bike stolen are very small

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jlynnbizatch@reddit

It’s counterintuitive, but don’t park a bike in a secluded area where you think it might be hidden from potential thieves.

This. When possible, I always lock my bike up somewhere it would be difficult to inconspicuously steal it. Similarly, if I'm shopping, running errands, etc., I look around to see if the store / building has exterior security cameras and make sure to lock up where my bike is in the cameras direct view.

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Japparbyn@reddit

Best comment.

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your-mum-joke@reddit

I like everything you've said, ill also add there's a lot of decent insurance that dont cost an arm and leg and just gives you the added security that if the worse does come you're not gonna be thousands out of pocket

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NanaBananaFana@reddit

Three different kinds of locks (Dutch back wheel, D, and chain)
Make it look like crap (duct tape, graffiti on saddlebags, plastic bag on seat)
also, my battery is above back wheel and so mostly hidden by saddlebags
Park it where there are other bikes, better choices to steal, and always to something super solid.
Insurance

Been parking it in all sorts of dodgy spots for 7+ years now and still have it! Knock on wood.

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F_Steve_Huffman@reddit

Funny thing you mentioned about the saddle bag. I kept the new plastic saddle bag from the factory in my bike for like half a year.

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TrippyDaveXB1@reddit

I bring it in the store with me. Usually they're cool about it if not i tell them ill go somewhere ik let's me. I also try to use the stores that have a parking lot gas station for convenience items I just pull up to the little window.

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Fluid_Complaint_1821@reddit

we got a gps/alarm tracker module installed in my wifes trek verve+, basically when the bike is off or not unlocked by her phone and it gets moved it'll set off an alarm on the bike, then send us a text, automatically start tracking with gps, also gives us an immediate option to notify police. We also use hiplok Dx1000 if we leave it out for long. There's always a chance someone will go through three diamond plated angle grinder blades, then have the tools to take apart the bosch moter and take out the gps/alarm module but it hasn't happened yet

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Fit-Crazy1051@reddit

Alarm, lock, tracker and just shot someone in the ass who came on my yard last week trying to cut it off my banister.

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Reverse_Sear@reddit

Home. Leave it at home. Take the bus.

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AdventurousTackle558@reddit

If I’m on the bike - 9MM Glock 19,

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fuq-daht@reddit

This is precisely why I purchased the Aventon Level 3 last year. After my previous bike was stolen, the immediate addition of 4G security features captured my attention. I still rely on Kryptonite locks, but nothing compares to receiving a push notification that someone has attempted to move my bike!

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_bird_law@reddit

I use an angle grinder resistant lock with a cable going through the wheels. The lock was expensive but it has given me peace of mind.

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m2keo@reddit

Multiple, varied types of locks. Maybe alarm and tracker. Lock it. Don't stay away for too long.

Hope and pray. lol.

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TopRepulsive4766@reddit

The absolute best one in my opinion is the loud and obnoxious alarm. We also use locks and battery removal. And our ebikes are unable to be activated without the fob. But the alarms we have are unbelievably annoying and 99% of thieves will run when they hear them.

I wish I could remember where I got them. I've had them for several years and my memory fails me. I don't think I bought them from Amazon and the alarms (and control fobs) have absolutely no identifying markings.

These alarms have three stages when set off. The first stage sounds like a regular car alarm (although maybe a little louder). The second stage is like a loud siren. But the third stage is like a war zone. If the alarm reaches the third stage, people will be coming out of buildings to see what is going on. I know this because a little kid set off my alarm once when I was too far away to disarm it quickly. There was a crowd around my ebike by the time I was able to shut off the alarm. Sort of embarrassing, but at least I know the alarm works. You could hear the obnoxious noise from blocks away.

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ChonChonGiveItToMe@reddit

I second the obnoxious alarm. I hide mine under the seat so it'll take the thief a little bit more time to locate it. I got this one off Amazon. https://a.co/d/074gA9KV

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Ok-Committee3163@reddit

I wanna know about this setup please

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SquirrelBowl@reddit

Bike insurance through Velosurance

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FuzzyCarpenter7927@reddit

Bot reposting someone else's post😐

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Highlandermichel@reddit

Just for your information: This is another bot, he doesn't care about your answers.

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robotzor@reddit

I wonder how truly dead most of the non default subs would be if all the bots stopped reposting..

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Ok-Committee3163@reddit

I have theft anxiety for sure. I've never been afraid of anything being stolen before. I have only locked it up a few times and kept it within sight but I couldn't relax - at all. I bought a Kryptonite chain lock but it's extremely heavy so I don't usually haul it around. When I am out riding, I have the desire to stop here and there but can't bring myself to stop because I don't have the lock 🙄 I am not an iPhone guy but I guess I should check into a tracker

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_haha_oh_wow_@reddit

Skunklock Chemical is the lock I use when I'm nervous about theft and I use it with one of my other locks (either a Foldylock Forever or a Hiplok Gold).

I also often ride folding bikes (usually either a Ride1up Portola e-bike or a Priority Folder bicycle) that I can just bring into my office or home and fold up in the corner/under the desk/etc.

If you live in a high theft area, trackers, motion alarms, and wheel locks help too.

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thunderflies@reddit

I bought two really expensive locks and I pay for a full coverage insurance policy for my bike.

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zegorn@reddit

Have had these on our ebikes since 2019 and haven't ever had a problem with theft: Pinhead Bike Locks | Bike Security Systems for your Entire Bike

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JG-at-Prime@reddit

We should normalize bringing bikes indoors.

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hwwty4@reddit

My wife and I had our first ebikes stolen out of our garage 3 months after we bought them. The anxiety is real.

We've been able to lessen the anxiety a couple ways. First, always use 2 locks. A really solid u-bolt lock and another. I bought Liteloks and Abus Bordo 6000's for both of our bikes. Second, we bring our bikes inside our house and keep a lock on them when not in use. We don't keep them in the garage or outside. Third, if we are out and about, we only lock them in high traffic areas.

These steps have really helped alleviate the anxiety around theft and we live in one of the US metros with the highest bike theft rate

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LivingChoice2089@reddit

As a guy with a scooter I get your sentiment, but a bike is just too big for a lot of stores. I feel weird even in places I know it’s allowed cause people generally don’t like when others take up a lot of space. Most cities need better bike infrastructure period.

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Kinetic_Symphony@reddit

The only real way to be secure is live in the lowest crime-area possible.

Nothing else really works, sadly.

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TimeLifeguard5018@reddit

Insurance rated lock + insurance. Check your policy wording, and lock it within the parameters when in public (usually to an immovable object for a max set time period). Then leave it and enjoy the freedom!

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tightcall@reddit

Airtag

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byronini@reddit

I put an alarm on mine and I dont leave it for a very long time

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BXRunner@reddit

Bike alarms. You can have multiple at once. Brake alarms, taillight alarms, any mountable spot should work.

Bystanders are your only hope at preventing a thief.

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68Wombat@reddit

You just have to stop crimes of opportunity, mine is password protected the battery locked and I keep it locked with a pretty typical bike lock. A real thief will take it anyway but a normal person will walk on by.

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Asphalt303@reddit

I’ve had 3 bikes stolen - it’s a major problem in my city, which spends tens of millions promoting active transportation, but can’t keep thieves off the street for more than a day.

I solved this by learning how to ride a small, lightweight electric unicycle.

It has similar speed and range as eBikes, but when you get to your destination, you just pick it up like a briefcase and carry it inside with you. I put mine under my desk at work and in my locker at the gym.

There is a learning curve and a social stigma, but the benefits, convenience and peace of mind from theft are worth it - not to mention it feels like skiing, but you have brakes and can go uphill!

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thereia@reddit

Behavior - I've watched lots of videos and gotten perspectives on the "best" ways to lock on the bike and how to choose where is ok or not. Visible, well lit, high traffic, solid posts, etc. At work its in a company bike garage in our building, Overnight at home I have it locked up away from the street at my front window, battery/key removed, very well lit and two very obvious cameras pointing at it. When I lock it at the store, movies, friends, etc I follow the rules above.
Lock - invested in a diamond rated D-lock and a chain
Insurance - I used velosurance

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deck_hand@reddit

I have an expensive e-bike. I have a lock that is probably easy to defeat, but was bought with the bike and came with a guarantee that if the bike was ever stolen while the lock was on it, the lock company would replace the bike. So, I use the lock and don't worry. In 50 years of owning bicycles, I've had two stolen. One was off my front porch at a college area townhouse, and one was taken off of my bike carrier on my car while I was working. Neither was locked to anything. Neither was particularly expensive. Both times I thought, "damn, I should have had that locked up."

I've seen how quickly dedicated bike thieves go through bicycle locks. I have no illusions that a bicycle lock will keep a dedicated bicycle thief from stealing my bike. It literally takes them seconds to break or cut through bicycle locks. But, more casual thieves seeing something unsecured and just taking it seems to be more common, and my lock should be good against those. For the professionals, I've got insurance.

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KIREEKPSO2@reddit

For starters i take with me everything that can be detached, like smartphone, camera, lights and throtle key

Small bag contains worthless straps in pouches, however to prevent someone from taking the bag itself, it's fixed with metal zipties to the rear rack

Thin cable on wheel + big lock to a solid sctructure

Hexlock on certain things like sadle hex bolts

Seatpost with the seat has a lock: https://i0.wp.com/biketoeverything.com/wp-content/uploads/2020/04/saveYourSeatLock.jpg?w=400&ssl=1
(don't actually need it since my seatpost is seized)

Alarm

Have a long lasting small gps tracker that works right off the box from invoxia, it's designed to only waste battery one every 10 minutes or once every 4 hours if idle

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BlueSwordM@reddit

Rear D-lock, front 8mm+ chain lock, another chain lock for the seat and a cable lock for accessories.

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pleaseMortyyouhaveto@reddit

Just lock one of those fury helmets to the bike and you'll be fine.

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Ok_Cartographer_8893@reddit

Alarm that's loud enough to piss the fuckers off trying to steal it. They don't come in Kryptonite strength yet but I would definitely see a market for them in the future

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TRAKRACER@reddit

I have 3 e-bikes I never leave my bikes outside for more than 30-40 minutes. I also shop places where they let me take them in side like Lowe’s or Home Depot. Most grocery stores and my gym have bike racks. I have a very long 3/8 inch Vulcan chain a litelok x between the two I have about $450 invested. I also have noisy brake caliper locks. The vulcan and litelok add a lot of weigh to my rides but I have a large frame bag on my most ridden bike so it works well. If bumped or moved it makes an Ugly sound My batteries all recessed in the frames not too concerned about batteries. If I go to a restaurant / cafe my bike is parked is where I can see it. No anxiety here

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beagles4ever@reddit

I don’t have anxiety. I have a good lock. And insurance. I sleep at night

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munduschimp@reddit

Get a VanMoof. Pretty much unbreakable immobiliser, proprietary parts, tracker and smart features mean it’s pretty much useless to the thief so a very low value target compared to pretty much all other e-bikes. And a decent ride too.

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HeyBeers@reddit

I have a foldable lock that travels well. I only park in well traveled areas during the day. If it gets stolen, I will uber home and get a new bike.

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sanjuro_kurosawa@reddit

Never leaving it outside and knowing the actual crime statistics of the neighborhood I'm visiting.

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Platypus_6414IiiIi-_@reddit

Please tell me you aren't one of those people that always brings their ride in to places no matter how packed it is.

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alex_c2616@reddit

If I'm not away for just a few minutes and it's not on a private property in a decent area, absolutely yes.

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sanjuro_kurosawa@reddit

He asked how to feel secure about locking his bike up. I know the crime stats of my community but there are no guarantees.

Tell me where do you lock up your bike? I’ll give you a safety report

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Platypus_6414IiiIi-_@reddit

On the street chained to a bike rack or street sign.

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sanjuro_kurosawa@reddit

Rite....

Is it 42nd Str and Broadway? By a police station?

What do you just mention the neighborhood? You shouldn't worry considering you use a chain.

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sanjuro_kurosawa@reddit

Where do you lock up your bike? Want me to test its security?

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Salemsara@reddit

Same. I don’t leave mine out long, that’s the biggest thing. I run a solid U-lock + a secondary lock, take the battery with me, and park where there’s foot traffic. If it feels sketchy, I just don’t leave it there.

Tracker helps but it’s more for after the fact, not really prevention. Still nice to have though.

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ArmchairPancakeChef@reddit

I'm pretty uptight about it as well.

I have a brand new Lectric Xpedition 2.0 Cargo Bike (450 pound payload capacity including rider).

I have A Kryptonite New York Noose with am Evolution Series 4 Disc Lock.

I remove the pedals (they're quick release which is a great theft deterrent)

I fold down the handlebars and chain them to the frame.

The bike is a beast at 85 pounds so after doing those two things, I consider it a very unattractive target.

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kloyoh@reddit

Hide an air tag?

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Wales147@reddit

On my Scott ebike iv got two gold standard D-locks, a cable tie type lock through the spokes, this particular model has an alarm and a pedal lock that can be set on the flow app. Just think like a thief and how you would steal it

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wawzombiesgoat@reddit

I use to feel the same. But now in nj I need a license to ride an e-bike, which i dont have because i fail every mvc test i ever take. No more stress. Thank you previous governor Murphy for signing that bill into law at a 11:57 PM The very last day in office. What a kind caring person

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Mental-Equivalent448@reddit

What a nightmare, hope it doesn't happen in WA. I also don't have a license because I never learned how to drive

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RECCE_HIPPO@reddit

I don’t agree with a lot of people in here, I leave my bike unlocked for multiple hours all the time. Kryptonite 912 chain lock, easy to put on and it’s pretty dang tough. Someone motivated can get through it but I try and leave it in populated areas to discourage theft never had a problem.

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Tasty-Fox9030@reddit

I got a Kryptonite lock that was sold with insurance against bike theft. It's one of the heavy chain ones. I don't think it's actually the strongest available lock for the bike but it's pretty beefy looking and if it IS stolen I'm getting what I paid for the bike back in exchange. I don't worry about it getting stolen.

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69PesLaul@reddit

Had one , had it cut with bolt cutters , those guy won’t pay you lol

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Tasty-Fox9030@reddit

Did you register the lock? Did you send them pictures of the cut lock? More to the point, what did they say when they denied you?

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Platypus_6414IiiIi-_@reddit

So i take it you haven't read the terms and conditions? Spoiler, they probably won't pay in 99% of cases. It's not an actual insurance in any sense of the word.

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Kitchen-Ride-5464@reddit

I'm retired. When I'm out I usually only park my e-bike when I go into a store or the post office, ect. I have an alarm, a lock for the throttle/rear brake handle, and several locks, cables and U lock. If I'm just popping in and out if a convenience store or post office I usually just use the throttle/brake lock and the alarm. If I'm going in a large store, like a grocery store, I use all of the locks and make sure it's close to the entrance where there's lots of foot traffic and usually security. I try to find something big to lock it to like a light pole. Most bike racks could be cut pretty quick but a light pole? Not so much.

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