Stolen bike - help with insurance please

General bike chat that does not fit elsewhere
mattmaximus
Posts: 114
Joined: Thu Mar 29, 2012 10:12 am

Stolen bike - help with insurance please

Postby mattmaximus » Fri Dec 21, 2012 15:27 pm

Not feeling very christmassy as have found out my bike has been stolen, as per thread:

http://www.bikeradar.com/forums/viewtopic.php?f=40027&t=12896009

To make it many times worse, the bike was stolen from a locked outbuilding at my parents' house. My insurers (AA) are refusing to pay because the bike was not covered away from home and their insurers are also refusing to pay because only their property or things for which they are legally responsible are covered.

Anyone been in a similar position? Do I have any room for manoeuvre here?

Any advice or sympathy would be most welcome.

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zx6man
Posts: 1082
Joined: Wed Mar 21, 2012 13:00 pm

Re: Stolen bike - help with insurance please

Postby zx6man » Fri Dec 21, 2012 15:30 pm

Tell them its your mums....

PHILATHAM
Posts: 44
Joined: Mon Mar 27, 2006 21:06 pm

Re: Stolen bike - help with insurance please

Postby PHILATHAM » Fri Dec 21, 2012 15:36 pm

re tell them its your mums, its too late the cats out of the bag on that one.

turnerjohn
Posts: 1243
Joined: Fri Nov 21, 2008 13:02 pm

Re: Stolen bike - help with insurance please

Postby turnerjohn » Fri Dec 21, 2012 16:31 pm

bike theaves should by hung up....pure scum :evil:

My housemates insurance didn't cover his items if they weren't inside the house; aka if his bike was nicked from the garage it wasn't covered ! bl**dy stupid but then thats insurance companies for you....almost as bad as the scum who nicked your bike !

Lets hope santa runs a bike returns service and it turns up :D

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Briggo
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Re: Stolen bike - help with insurance please

Postby Briggo » Fri Dec 21, 2012 16:56 pm

You're sh*t out of luck, this be a lesson check what you're covered for.

Insuring a bike away from the home is the most logical thing to do considering a large proportion of its life is away from the 'home'.

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bernithebiker
Posts: 3366
Joined: Mon Nov 19, 2012 14:54 pm

Re: Stolen bike - help with insurance please

Postby bernithebiker » Fri Dec 21, 2012 18:33 pm

Quite an unusual bike, so keep checking Ebay and Gumtree every day.
http://www.cyclespeedtours.com

Bespoke and 5* cycle trips based in Palma, Mallorca.

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sungod
Posts: 6628
Joined: Sat Nov 07, 2009 13:52 pm

Re: Stolen bike - help with insurance please

Postby sungod » Fri Dec 21, 2012 19:15 pm

bummer

surely if you left it in parents care they are "legally responsible" for it, seems worth having a read of their policy and seeing what it actually says

check http://bikeshd.co.uk/ it scrapes ebay and thieftree for bike ads, it can help find things (found mine there, but the scum already fenced it)

also set up an ebay search to email you on matching items

sad thing is that if they realise it's unusual it could get stripped for parts, so keep an eye out for this too
my bike - faster than god's and twice as shiny

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Pickled Pig
Posts: 210
Joined: Sun Jun 12, 2011 16:04 pm

Re: Stolen bike - help with insurance please

Postby Pickled Pig » Fri Dec 21, 2012 20:01 pm

mattmaximus wrote:...because only their property or things for which they are legally responsible are covered.


One slim possibility is to contest that your parents were legally responsible for the bike and that you have grounds to sue them for negligence. Insurers rely heavily on people's reluctance to threaten friends and relatives with legal action, even though any claim would be settled by insurance. A common example is a spouse not claiming for injuries sustained in a traffic accident whilst their partner was driving the vehicle, because it doesn't feel right.
If you can put such concerns aside then you could argue that your parents owed you a duty of care to protect your bike ( the easy bit ) but then breached this duty by not taking reasonable precautions to secure the bike - more difficult to prove unless the security was lax. This argument might persuade the insurers into agreeing some sort of settlement even without going to court.

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Mikey23
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Joined: Sat Jun 09, 2012 16:51 pm

Re: Stolen bike - help with insurance please

Postby Mikey23 » Fri Dec 21, 2012 20:57 pm

Mine is done through direct line as a personal possession which insures anywhere including abroad for up to 60 days. For only a few pounds extra as I recall and only up to £1000. My home contents includes the garage. A tough and painful lesson but I doubt if there is much you can do. You can only pin down the theft to sometime in the last few weeks?

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Mikey23
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Joined: Sat Jun 09, 2012 16:51 pm

Re: Stolen bike - help with insurance please

Postby Mikey23 » Fri Dec 21, 2012 20:59 pm

My goodness, a pretty expensive bike ....

tiredofwhiners
Posts: 598
Joined: Fri Dec 23, 2011 15:38 pm

Re: Stolen bike - help with insurance please

Postby tiredofwhiners » Fri Dec 21, 2012 21:21 pm

Yup, get your parents to attest that it was left in their care while you were away travelling or something like that. Not sure what it may do to their premiums though !

Bwgan
Posts: 361
Joined: Wed Oct 03, 2012 19:55 pm

Re: Stolen bike - help with insurance please

Postby Bwgan » Fri Dec 21, 2012 23:27 pm

May be too late, be on our insurance we are covered up to £2k on items taken out of the house. Not sure if you have to specify a bike though

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diy
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Joined: Mon Sep 14, 2009 20:49 pm

Re: Stolen bike - help with insurance please

Postby diy » Sat Dec 22, 2012 15:56 pm

Sadly, based on the wording of some policies that would be classed as abandoned.


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