Bike Insurance

mudcow007

hello all just trying to find cover for my bike, at the moment an seem to struggle because the bike is going to be locked in a shed

the fact that the shed will be wired to my house alarm aswell as being attached to a ground plate under the shed doesnt seem to make any difference

so does anyone on here store their bike in a shed? if so how do you insure it?

gareth1234

all 3 of mine in outdoor shed, they're on the house insurance, maybe you'll need to add 'away from home' cover. mine charge an extra £50 per yr for up to £2,500 but this includes everything...laptops, cameras, phones etc.

shouldbeinbed

from the 4 million and 7 other insurance threads on here, Marks and Spencers seem to be quite popular.

sketchley

Have you tried specailist bike insurance or are you going via house insurance.

Look in classfieds in bike mags or via LCC or CTC websites.

An insurance approved bike shed http://www.asgardsss.co.uk/detail.php?pro_code=Ann2, or an approved lock and anchor point (like motorbikes) might be worth looking at too.

LCC use Butterworth for insurance as do CycleSure see here for security requirment http://www.cyclesure.co.uk/more_info.as ... c=security requirements and here http://www.cyclesure.co.uk/more_info.as ... c=security requirements i've not used this company so cannot comment on service provide

I'm with the AA for home insurance and covered from theft from sheds providing bike isn't worth more than £1000. However cover will vary on location. Also never claimed so don't know how good that bit is.

nation

I don't have any specific recommendations, but you want to make sure that there is no generic exclusion or limit in the policy that applies to "theft from outbuildings" or similar.

Most home insurers don't consider the nature of where a bike is stored in any great amount of detail, so the alarm and the ground plate may not make a difference as far as they're concerned.

A handy tip is actually to call up the claims line of the insurer you're considering and ask them what the details of the cover are if you need to know something specific - just say you're a prospective customer and want to make sure your bike would be covered. The people on the sales lines should, in principle, know this stuff, but often they only know the broad strokes.

mudcow007

cheers guys!

i spoke to E&L last night who said they would insure my bike for £57 per year, if it was secured to a fixed point in the shed and was using one of their approved locks

personally i think £57 per year is a bargain!

i will check through all the small print etc so just in case i need to make a claim they cant wiggle out of it

thanks all

sketchley

mudcow007 wrote:

cheers guys!

i spoke to E&L last night who said they would insure my bike for £57 per year, if it was secured to a fixed point in the shed and was using one of their approved locks

personally i think £57 per year is a bargain!

i will check through all the small print etc so just in case i need to make a claim they cant wiggle out of it

thanks all

Good things to check are here

http://www.lcc.org.uk/index.asp?PageID=951