I've got a number of sets of home made panniers that I've been using for about 15yrs and one set of commercially made ones. Similarly with racks, I've had to make my own for bikes where nothing is available commercially or had to modify commercial products substantially.
In the dim and distant past no insurance company (that I've dealt with anyway) has had any interest in accessories such as these but in the current spirit of charging for everything they can think of I've mentioned racks and panniers at the time of buying recent policies. Nobody has asked whether these are home made or shop bought. If there was an insurance embargo on DIY additions most of my bikes would be off the road and I suspect a substantial number of others here would be in the same boat.
I've only ever had one pannier fall off - yes, it was the commercially made one.
If you think there's any risk of a pannier coming off at speed you might want to look at your design again.
|