Insurance cover for MTB ground anchored in back garden?

Rhino75

Looking at splurging £2k on a new MTB but...

There is no way I can put inside house and shed not practical - unless looking at one of those small plastic garden tool type things as garden is tiny.

I've currently got my hardtail in back garden locked to cemented (50kg) in ground anchor with mother of all d-locks and a motorbike 'gold rated' 19mm chain. Its under tarp and garden is covered by IR light

This lot is just about as much as you can reasonably do to secure - next step would be a sentry gun and minefield. :twisted:

Despite all this (Has to be better than a shed right?) I just can't find anyone that will insure it.

Any ideas?

cooldad

Nope, make space in the house.

DCR00

^^^^

This

Dont leave £2k outside

With the wheels off, the bike takes up hardly any room

I keep mine under the stairs

cooldad

We keep between 3 and 7 in my son's bedroom.

Briggo

Rhino75 wrote:

I've currently got my hardtail in back garden locked to cemented (50kg) in ground anchor with mother of all d-locks and a motorbike 'gold rated' 19mm chain. Its under tarp and garden is covered by IR light

You wasted your time doing all that, if someone wants it they'll have it, especially when its out on display, your "mother of d-locks and 'gold rated' chain" means nothing.

As above, indoors for you is much much better.

bails87

cooldad wrote:

We keep between 3 and 7 in my son's bedroom.

Do you make him sleep in the shed?!

cooldad

bails87 wrote:

cooldad wrote:

We keep between 3 and 7 in my son's bedroom.

Do you make him sleep in the shed?!

At least I have my priorities right.

rippleman

cooldad wrote:

bails87 wrote:

cooldad wrote:

We keep between 3 and 7 in my son's bedroom.

Do you make him sleep in the shed?!

At least I have my priorities right.

dont understand how this works as since i bought my new bike (@£800), its allowed to live in the house

on the other hand, when i spent £7000 on my motorbike, i wasnt even allowed to bring it into the conservatory in the middle of winter to strip the faring off


do you want to swap wives with me?

cooldad

rippleman wrote:

cooldad wrote:

bails87 wrote:

cooldad wrote:

We keep between 3 and 7 in my son's bedroom.

Do you make him sleep in the shed?!

At least I have my priorities right.

dont understand how this works as since i bought my new bike (@£800), its allowed to live in the house

on the other hand, when i spent £7000 on my motorbike, i wasnt even allowed to bring it into the conservatory in the middle of winter to strip the faring off


do you want to swap wives with me?

I would except mine divorced me. Go figure.

nicklouse

Rhino75 wrote:

Looking at splurging £2k on a new MTB but...

There is no way I can put inside house and shed not practical - unless looking at one of those small plastic garden tool type things as garden is tiny.

I've currently got my hardtail in back garden locked to cemented (50kg) in ground anchor with mother of all d-locks and a motorbike 'gold rated' 19mm chain. Its under tarp and garden is covered by IR light

This lot is just about as much as you can reasonably do to secure - next step would be a sentry gun and minefield. :twisted:

Despite all this (Has to be better than a shed right?) I just can't find anyone that will insure it.

Any ideas?

to sum up. you will not get any cover.

Deputy Dawg

I keep mine indoors in a bike bag. It keeps everything clean & isn't too obtrusive. The house insurance paid out on my previous one locked up in the back garden though.

Depending on how small your garden is, B&Q sell some bikestores that might work.

Iwingstein

I'd insure you, but your premiums would be £2,500

ATB

Simon

avoidingmyphd

hiscox will cover you.

Rhino75

Briggo wrote:

You wasted your time doing all that, if someone wants it they'll have it, especially when its out on display, your "mother of d-locks and 'gold rated' chain" means nothing. As above, indoors for you is much much better.

I understand that NOTHING is theft proof - its about making it more hassle than its worth and getting them to move onto easier targets.

I could break into my house much easier than getting through that lot - so I am guessing that what you are saying is that what puts them off is not the technical difficulty but the extra psychological step of breaking into a house?

Rhino75

Deputy Dawg wrote:

I keep mine indoors in a bike bag.

Thanks @Dawg - actually useful! Might *just* get away with the bag idea as it could slide under the bed. Taking wheels/pedals/bars off every time will be a PITA though.

blablablacksheep

u really sure you cant keep in inside house? unless you got a small house there is allways a place to stick it

otherwise it going to affect insurance for the bike, shed is a NO NO as you said, but other options like bike anchors are good but really not workable with pedal bikes tbh.

what ever you go for, check with insurance company as they might make your policy void for bike if they think it isnt secure enough outside....rather know now before it gets nikced if "touch wood" it did.

Rhino75

blablablacksheep wrote:

u really sure you cant keep in inside house?

Tiny 1 bed flat. Maybe I am better off putting something less valuable outside to make room - sofa, surfboard, snowboard or missus

timpop

I'm sure you could attach it to many home contents policies. M&S offer a good policy that should work for you.
The specialist bike insurers are not always the best bet for circumstances as yours. I'm using E&L insurance until my home insurance renews. I'll then change to someone like M&S. Until then my new bike is in the downstairs toilet.

concorde

1 bed flats usually have a passage way? Stick it there. If the mrs leaves, sod her. You'll leave her if she makes you keep it outside and the fecker goes missing

ollie_lucas1985

Will they insure it if its in a locked garage with a chain? I'm only asking as its for me..

Personally I would keep it in the house If i wouldnt have to climb over it to get into bed.. The bike bag looks good!

Rhino75

ollie_lucas1985 wrote:

Will they insure it if its in a locked garage with a chain? I'm only asking as its for me..

What I found (check your own policy though) is that if its in locked outbuilding building (like a flimsy wooden shed) its fine as long as its got an approved lock on the door.

2 kicks with a size 10 hoof will see most any shed off, but hey...

I guess for you finding out what is an approved lock for a garage door would be key.

ollie_lucas1985

I might just get a sleeping bag a take up camp in the garage.. I'll call that my second home!

Bloody insurance, always a pain in the arse - I just have enough for a nice £2.5k bike, damnit!

t4tomo

put the wife under the taupaulin in the garden and move the bike indoor