Insurance (yawn)

passout
passout Posts: 4,425
edited January 2009 in Commuting chat
Hi

I've now got 3 decent bikes (even the commuter is new after Xmas) & the Mrs has a half decent bike. I'm therefore thinking of getting bike insurance. Any recommendations/advice? Which companies are best in terms of service and value?

Thanks.
'Happiness serves hardly any other purpose than to make unhappiness possible' Marcel Proust.

Comments

  • lost_in_thought
    lost_in_thought Posts: 10,563
    I have British Cycling cover - not sure on the limits for theft etc though, I got it more for the 3rd party... it's covered on my home insurance for theft.
    FCN 7/1
    Viner Maxima, Tifosi CK7, Giant Bowery, Old commuter.
  • always_tyred
    always_tyred Posts: 4,965
    If you pay most Insurance companies about half the cost of the bike, they'll insure it for you, providing its not in use at any time, or indoors, or outdoors.

    That is probably not very helpful.

    Sorry (convincingly)
  • carbonfool
    carbonfool Posts: 43
    I have Sainsburys home insurance for buildings and contents. I have about 10k worth of bikes which I got insured by adding them individially as special items. It cost about 15 pounds extra a month. It covered theft and accidental damage.
    I did the dafted thing and over tightened a front derailleur on a carbon fibre frame and they paid out £1000 to replace it. Beware they try to subcontract the claims process to Wheelies who were absolutley pants about customer service.
  • Cunobelin
    Cunobelin Posts: 11,792
    As above - chat to your insurance company and add to the policy as specified items. Do it in writing and be honest.

    That way you know exactly what is covered.
    <b><i>He that buys land buys many stones.
    He that buys flesh buys many bones.
    He that buys eggs buys many shells,
    But he that buys good beer buys nothing else.</b></i>
    (Unattributed Trad.)
  • roger_merriman
    roger_merriman Posts: 6,165
    house insurance here, nationwide up to £500 per bike. seems good when my wife's bike got nicked we or rather i got the rather lovely local bike shop to set her up a new one (main plus is it's the right size sa being wee) and the insurace just payed the bill.

    i should get some dedicated 3rd party though i'll have a look i may be covered already under house/car any way some do.

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