it's back again... the bike insurance question. any advice?
bluechair84
Posts: 4,352
Well, sticking the bikes on the home insurance boosted it from £70per annum to £300.
Who do you use, why did you go for a cycle insurer over the house insurance and did it work out cheaper for you?
I used the search box, I've seen this thread a few times but can't find it.
And on a side note, is anyone else really miffed at that damn t-mobile banner that starts beatboxing whenever you clip it trying to get to the url :twisted:
Who do you use, why did you go for a cycle insurer over the house insurance and did it work out cheaper for you?
I used the search box, I've seen this thread a few times but can't find it.
And on a side note, is anyone else really miffed at that damn t-mobile banner that starts beatboxing whenever you clip it trying to get to the url :twisted:
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I added my three bikes onto my house insurance and it didn't cost anything extra. I'm with the AA if that helps!0
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My bikes cost between £10 and £17 each on the house insurance. Aviva IIRC.
Yes. Extremely.bluechair84 wrote:And on a side note, is anyone else really miffed at that damn t-mobile banner that starts beatboxing whenever you clip it trying to get to the url :twisted:0 -
aah this is intertesting. seems I shouldn't be tripling my home insurance quote by adding two bikes in. I'm experimenting on comparethemeerket now.
I wonder, is there a comarethebeaver?0 -
i just found comparethebeaver...0
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I changed my contents to M&S, who insure bikes up to £4k each.'Hello to Jason Isaacs'0
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Obv if you can tear yourself away from comparethebeaver lol do the comparisons then go direct0
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m&s, very good to deal with and anything below IIRC 3k is covered automatically.0
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ride_whenever wrote:m&s, very good to deal with and anything below IIRC 3k is covered automatically.
Good to know, both bikes below the £3k mark. I'll look into them direct.
And comparethebeaver is still in the construction fazes so... we'll have to keep an eye out for it's arrival0 -
+1 for M&S, nothing under £4k has to be declared. It's not about how cheap the premium is, it's about how well they deal with a claim.0
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we haven't really accumulated much stuff, four computers, the other halves art work (it's like living in a gallery
) and the bikes. Everything else is worth pittance.
digging into m&s now0 -
I understand your POV but I like to think that I have saved several £1000 over the years by shopping round for the absolute rock-bottom cheapest insurance deals when the renewals come round.MeddlE wrote:It's not about how cheap the premium is, it's about how well they deal with a claim.
Since a few years ago when insurers had to get their act together in terms of customer service I have found them to be all pretty much the same when it comes to making a claim, and believe me I've made some claims. No matter who you buy it from, insurance is ultimately underwritten by just a handful of companies.0 -
bluechair84 wrote:Well, sticking the bikes on the home insurance boosted it from £70per annum to £300.
Who do you use, why did you go for a cycle insurer over the house insurance and did it work out cheaper for you?
I used the search box, I've seen this thread a few times but can't find it.
And on a side note, is anyone else really miffed at that damn t-mobile banner that starts beatboxing whenever you clip it trying to get to the url :twisted:
Hate that t-mobile banner! Thankfully work seems to block certain streaming applications so it doesn't happen on my work pc.
My bikes are insured on my home insurance which is with Halifax. They are added as specified items with a certain value, and are covered out of the house two. My ex girlfriend had her Specialised Safire stolen from a friends garage (along with two other bikes) when it was there temporarily and they arranged a replacement through a third party. It did limit the range slightly I think but she ended up with a new Trek EX8 WSD and didn't have to pay much extra to get it.Offroad: Canyon Nerve XC8 (2012)
Touring / Commuting: On-One Inbred (2011)(FCN9)
http://uninspiredramblings.wordpress.com0 -
.blitz wrote:
I understand your POV but I like to think that I have saved several £1000 over the years by shopping round for the absolute rock-bottom cheapest insurance deals when the renewals come round.MeddlE wrote:It's not about how cheap the premium is, it's about how well they deal with a claim.
Since a few years ago when insurers had to get their act together in terms of customer service I have found them to be all pretty much the same when it comes to making a claim, and believe me I've made some claims. No matter who you buy it from, insurance is ultimately underwritten by just a handful of companies.
I see where you're coming from but I'm currently in a situation with SAGA insurance where they have admitted liability but refused to pay out. My insurer (DirectLine) are now chasing them through the courts for the money. This is with regards to a car accident back in March. DirectLine have been superb throughout.
So not all insurers are the same and some of the big names are shockingly bad.0 -
OK SAGA excepted
But by the same token I was insured with a company I'd never heard of when a Tesco van reversed into my car and although Tesco admitted liability and everything, that's all they did do. My insurers handled it very well - they wrote Tesco a tasty letter (cc'd me) and got the payment as well as my excess.
I felt a bit guilty about dumping them when it was time to renew but life can be cruel sometimes.0 -
M&S is still giving me the close to £300 mark... I think Endsleigh gave me £70 though I need to look into the contents cover carefully. I'll look at getting the bikes insured seperatly so the other half isn't forking out for my expensive hobby.
Checking out cycleguard now[/code]0
