Bike insurance

Discuss the eternal "Which fork/bike/tyres should I buy?" questions.
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Paulkingk
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Joined: Sat Feb 22, 2003 21:09 pm

Bike insurance

Postby Paulkingk » Sat Nov 10, 2012 19:35 pm

Recently got a high end full susser. Also have an half decent winter hardtail 29er on the way as well as a Carrera TDF and my GF mtb Need some insurance good company recommendations please.

tarbot18
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Joined: Mon Mar 28, 2011 09:39 am

Re: Bike insurance

Postby tarbot18 » Sat Nov 10, 2012 21:02 pm

Add it to your house insurance cost me an extra £100 over the year through axa with my bike s named and replaced by equivalent models new.
The family that rides together stays together !

Boardman Comp 29er 2013

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jimothy78
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Re: Bike insurance

Postby jimothy78 » Sat Nov 10, 2012 21:56 pm

tarbot - out of interest, what does that actually cover you for. Obviously theft from your home, but what about out and about, removable parts, etc. If you locked the frame to something but the wheels got nicked, would they be covered or would the insurer claim that you hadn't secured them properly? Also what's the excess?

chrisw333
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Joined: Tue Jun 23, 2009 08:24 am

Re: Bike insurance

Postby chrisw333 » Sun Nov 11, 2012 21:00 pm

Look at m&s home insurance too. They are very good with bikes, home & away is covered just so long as they are locked (doesn't even have to be a specific level of lock)

balmybaldwin
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Joined: Mon Jul 30, 2012 19:12 pm

Re: Bike insurance

Postby balmybaldwin » Mon Nov 12, 2012 15:39 pm

The Rolls Royce of cycle cover: http://uk.protectyourbubble.com/bicycle ... tAodbHoAHA

Covers crash damage, theft from house, theft from vehicle, get you home cover, pulic liability, european cover, and if you want breakdown cover. Get discounts for multiple bikes

It's not that cheap though, but good piece of mind if you have an expensive carbon steed
Bikes:
Cannondale Killer V 1995 (Promo model) - My first Race bike now converted to a commuter
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boristhespie
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Re: Bike insurance

Postby boristhespie » Wed Nov 14, 2012 13:31 pm

The cost of insurance is astronomical. Problem is that the police really don't seem to take theft of bikes that serious. Kinda a case of it's nicked it's lost. Thing is bikes are well expensive these days and while many could do better and not offer their bikes up to the thieving basts, it is a crime that is getting out of hand.

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njee20
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Re: Bike insurance

Postby njee20 » Wed Nov 14, 2012 13:36 pm

Look at m&s home insurance too. They are very good with bikes, home & away is covered just so long as they are locked (doesn't even have to be a specific level of lock)


They've wised up to that - £1000 limit on bikes now unless declared, at which point the price sky rockets. If you have the old, £4k unspecified policy, hang onto it!

Protectyourbubble want £53 a month for my MTB alone, that's insane!

chrisw333
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Joined: Tue Jun 23, 2009 08:24 am

Re: Bike insurance

Postby chrisw333 » Wed Nov 14, 2012 15:39 pm

Fair point re M&S, I did have to specify my bikes, but the price was still competitive and cheaper than my renewal quote from my old insurance.

I was also attracted by the fact that there wasn't stringent stipulations about type of locks etc which are loopholes that are easy to fall foul of (indeed, so long as the shed is locked they are covered without any locks at all, and covered with a basic lockable roof rack on the car etc)


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