MTB Insurance

johnnyboy29
johnnyboy29 Posts: 100
edited July 2009 in MTB general
Does anyone have it, have any experince of it, is it worth having. All views, opinions and advice warmly welcome.

Ta
John.
In the words of the GLC - Suicide is messy but it's money for free!!!

Comments

  • Si78
    Si78 Posts: 963
    I insure mine on the house contents insurance. It's insured both home and away. Cheaper than getting dedicated bike insurance.
    Why has my sig been removed by the admins???
  • Anonymous
    Anonymous Posts: 79,667
    Yeah, as said, home contents usually will cover it, including away from home usually. Just check the level of cover especially for "away from home" items though and if it's a high value it may need to be specified.

    Not sure however about in or on the car. i.e. would home contents cover it, or car insurance, or neither? I seem to recall they can be picky about thefts from cars.

    Some home contents do have specific bits for bikes. I'm not sure they are mandatory and not sure what they cover.

    Ensure you have decent locks, good shed/garage etc and take photos of both bike and where it's stored, in case of claims. Also note any serial numbers and unique markings (must do this myself!).


    Other than that, there's your own insurance in case of injuries to consider. Some of these policies might additionally cover bikes but don't know if it's worth it.
  • llamafarmer
    llamafarmer Posts: 1,893
    M&S insurance put the phone down on me pretty quickly when I told them I lived in a shared flat :(

    Check your small print!
    Giant Anthem X
    Cube Ltd Race
  • Anonymous
    Anonymous Posts: 79,667
    Shared flats are another matter yes.

    When I was a student (admittedly that was 15 years ago now! :shock: ), we all did bike insurance through Endsleigh. They deal with shared accommodation and very popular with students (even if they did cost a fortune relatively).

    You might get somewhere with them if you have locks on individual rooms (or agree to fit them).
  • Anonymous
    Anonymous Posts: 79,667
    ive got direct line home contents, which includes bikes at home or away (mainland UK only).. they only have to be locked to a secure post when using away from home, and there is only a £15 excess to the policy.

    I've got my two bikes (insured for £1800) and my Girlfriend's bike (£100).

    only cost an extra £4.00 a month to insure.
  • ed_arnold
    ed_arnold Posts: 65
    My home insurance covers it - I just had to specify it and pay a few extra quid a month. It's covered when 'parked' away from home, (eg at work) for theft and vandalism as long as it's locked. Not sure about accidental damage though (like stacking it on the trail and cracking frame).
  • randomage
    randomage Posts: 100
    Mine's insured with endsleigh, 93 for the year if i recall, that's with a decent d ring and thick cable (approved). Not sure about accidental damage, but it covers theft/deliberate damage.
    "The day after tomorrow is the first day of the rest of your life. That way, you always have a couple of days in hand." - Bill Bailey
  • llamafarmer
    llamafarmer Posts: 1,893
    deadkenny wrote:
    Shared flats are another matter yes.

    When I was a student (admittedly that was 15 years ago now! :shock: ), we all did bike insurance through Endsleigh. They deal with shared accommodation and very popular with students (even if they did cost a fortune relatively).

    You might get somewhere with them if you have locks on individual rooms (or agree to fit them).

    I'm not even a student :(

    I'll give Endsleigh a try though, cheers deadkenny
    Giant Anthem X
    Cube Ltd Race
  • ghost_walker
    ghost_walker Posts: 86
    did mine as part of the home contents with aviva direct cost me £16 and change for the year

    when not at home and awayin the garage it has to be locked up and it's not got cover for professional use at all

    so just for my own fun and commuting

    too much effort to do it as a pro anyway


    standard excess on the policy. but compared to the bike cost it's nothing.

    dead nice lassie on the phone as well
    keep fit, eat well, die anyway!!
  • tjwood
    tjwood Posts: 328
    I got bike insurance from CycleGuard, through Evans cycles website as it was £10 cheaper that way.

    As it's bike specific insurance it covers more things than the house insurance would. There are some pretty strict security requirements though (e.g. you have to shell out for a Sold Secure lock).

    Also has a third party liability element so if you run into a pedestrian or cow or someone's Jag etc you are covered.
  • bobs bikes
    bobs bikes Posts: 589
    i use cycle guard too.
    cost me 43 quid a year including roadside recovery! LOL
    the only outlay was a sold secure silver lock.
    for that price i cant complain, its cheaper than the excess on the house cover aswell.
  • King Donut
    King Donut Posts: 498
    GmanUK101 wrote:
    ive got direct line home contents, which includes bikes at home or away (mainland UK only).. they only have to be locked to a secure post when using away from home, and there is only a £15 excess to the policy.

    I've got my two bikes (insured for £1800) and my Girlfriend's bike (£100).

    only cost an extra £4.00 a month to insure.

    Direct line Home policy wouldn't cover my mtb @ £1,900. Cost £190 a year with Ecoinsure but I'm not going to bother next year. It'll still be covered in home and it's always within sight when out.

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