Insurance help required
HarryB
Posts: 197
Does anyone know of an insurance company that will offer house contents insurance AND cover my bikes.
I was hoping to use M&S but it seems they only insure houses up to six bedrooms and mine has six.
The bikes I own are valued at £1,500, £2,000 and £5,000.
Ta
I was hoping to use M&S but it seems they only insure houses up to six bedrooms and mine has six.
The bikes I own are valued at £1,500, £2,000 and £5,000.
Ta
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Comments
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my nationwide (building society) insurance has 4 bikes on it - all itemised and priced... not as much as your machines though
Increased my household insurance by about £5 a month0 -
Dito Nationwide0
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I used Liverpool and Victoria, not especially cheap but cheaper than an individual policy for my 2K Bianchi.
They also covered all 4 of the bikes currently at home.0 -
Provided you don't live in a big city, try NFU Mutual -
I've always found them very helpful.
They used to fix the premium for 3 or so years too - Not sure if they still do it.
My bikes were approved by their underwriter in 24 hours.0 -
Try CIS - they have been the best value by far and you can extend cover for the expensive bikes, and it's cheap !0
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Do you all keep your bikes in the house? I can't fit bikes in the house and don't have a garage so purchased a shed, where they are kept. Insurance problem or not?0
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Can't you just get your butler to sort it out for you?
Seriously though, have you tried phoning M&S or are you just going on what it says on their website? Changes are that they're only comfortable accepting a certain amount onf risk through their rating engine online and need a call to collect some more information for risks that fall outside that criteria....
As for the shed, check the policy. It should be covered, but the policy might stipulate that it's adequately protected (locks, lighting, rottweiler etc)0 -
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Twittering @spen_6660 -
meesterbond wrote:Can't you just get your butler to sort it out for you?
As for the shed, check the policy. It should be covered, but the policy might stipulate that it's adequately protected (locks, lighting, rottweiler etc)
Shed? Are you serious?
When one lives in a stately home, one does not have a shed. Nor does one have rottweilers roaming loose and rusty old bikes lying around.
Thanks for all the help. I'm now sorted0 -
I paid an extra £54 for an extension to my household policy with Halifax to cover a £3,200 bike. It covers accidental damage though, thankfully. I had a fall a couple of weeks back and did some pretty expensive damage to my bike. I rang them to initiate a claim, was told I was covered, and receieved a call from their bike suppliers (Wheelies Direct) within the hour to discuss replacement. They have been very helpful, and I'd recommend the policy to anyone.0
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HarryB wrote:Shed? Are you serious?
When one lives in a stately home, one does not have a shed. Nor does one have rottweilers roaming loose and rusty old bikes lying around.
Thanks for all the help. I'm now sorted
The shed bit was aimed at another poster..
I assumed that yours had their own stable block!
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I'm with MoreThan. You give them the cost of your most expensive bike, and then you're covered for an unlimited number of bikes, so long as none of them exceed the value of the bike you have told them about. It's covered in your house or shed anyway, this cover extends it to outside so long as it's locked to something solid.
I'm assuming things change once you go over a certain value, but my most expensive bike is only £600, so I wouldn't know about that yet.0
