Insurance

Sno_man517
Sno_man517 Posts: 10
edited April 2009 in MTB general
Does anyone here have their bike covered and if so who with, ive seen the ads in the mags but i just wanted to know what other riders do, cheers
nick

Comments

  • paulscutt
    paulscutt Posts: 332
    thought they are usually covered (theft fire etc) on home contents ins. so havent bothered myself - have told home contents insurance about them thouh and their value

    T-Unit (Hate it or love it, T-Unit are on top)
    **2009 Trek Remedy 8**

    Specialized P.3 (custom) w/ Deore hydro discs, XT group, Blackspire device, Mavic D321's
  • Sno_man517
    Sno_man517 Posts: 10
    my home contents insurance only covers the bike to 500 squid but my bike cost 700

    Wouldn't it be smart to make the sticky stuff on envelopes taste like chocolate?
  • paulscutt
    paulscutt Posts: 332
    lol indeed! however told my insurance co. that they cost X amount and they just added a few quid to the policy to cover it

    T-Unit (Hate it or love it, T-Unit are on top)
    **2009 Trek Remedy 8**

    Specialized P.3 (custom) w/ Deore hydro discs, XT group, Blackspire device, Mavic D321's
  • Sno_man517
    Sno_man517 Posts: 10
    thanks ill try that
  • dhutch
    dhutch Posts: 343
    Im at uni, so ive got my bike(s) covered.
    - Last year i was with Ensleigh, and they where ok.
    - However there are issues with covering bikes over 3yo with them, and mine turn 3 this year.

    I also bought a new bike (the rockhopper) so had a look round and asked on here, and i came up with "butterworth" insurence in liverpool, and am with them now.
    - The give a discount on second bikes, as well as noclaims bonuses.
    - Then also cover bikes on a replace-with-new policy on all ages.
    - And there also not totatly anal with exactly what brand/make/type lock you use.
    - And no more expensive...

    http://www.butterworthinsurance.co.uk/


    Daniel
  • Dodgex1
    Dodgex1 Posts: 1,306
    E&L, cover me, mines worth 3.5-4k though so my house insurers refused.

    <font size="2"><font color="navy"><center> Peeler Sidekick Me
    Me Again Zooooom Brrarrrpp Skippy Bouncy Tweaky</center></font id="navy"></font id="size2">
    "This is ******!, We can't ride out bikes in the dirt like this!"
  • hawkins01902
    hawkins01902 Posts: 4
    My bike is under house insurance but they will only pay out ¶œ500, my bikes worth ¶œ1500! WEAK!
    My mate has his Orange 22 covered under his house insurance n he pays few quid extra n it covered up to 5K.
    G.Hawkins
  • BJT
    BJT Posts: 351
    Bike insurers are different in the way they pay out, for instance cycleguard have to source it themselves from a uk supplier, whereas ETA send a cheque, I've got both my bikes on ETA.


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    <font size="1"><hr noshade size="1">These are our cars. They drive down our streets. <b>But the psycherlist is waiting...</b>

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  • littlemike
    littlemike Posts: 4
    CURRENTLY HAVE ADDED BIKE TO HOUSE CONTENTS [WITH 'EGG'], VALUE œ1500 WITH œ100 EXCESS AT NO EXTRA CHARGE. IF U PAY BY INSTALMENTS YOU MAY FIND YOU PREMIUM AUTOMATICALLY INCREASED
    mike yard
  • mmm_pie
    mmm_pie Posts: 1,934
    <blockquote id="quote"><font size="1" face="Verdana, Arial, Helvetica" id="quote">quote:<hr height="1" noshade id="quote"><i>Originally posted by littlemike</i>

    CURRENTLY HAVE ADDED BIKE TO HOUSE CONTENTS [WITH 'EGG'], VALUE œ1500 WITH œ100 EXCESS AT NO EXTRA CHARGE. IF U PAY BY INSTALMENTS YOU MAY FIND YOU PREMIUM AUTOMATICALLY INCREASED
    <hr height="1" noshade id="quote"></blockquote id="quote"></font id="quote">
    Seen this before?

    not working :(
    <blockquote id="quote"><font size="1" face="Verdana, Arial, Helvetica" id="quote">quote:<hr height="1" noshade id="quote"><i>Originally posted by haleybunny</i>

    Sometimes it overheats. You have to make sure it's in a ventilated place all the time.
    <hr height="1" noshade id="quote"></blockquote id="quote"></font id="quote">
    LOGO2.jpg
  • Hopper of rocks
    Hopper of rocks Posts: 88
    I've got my bike valued at œ800 with endleigh for œ70 a year and it covers silly things, even covers the bike being stolen if its in my room with the door open! (i'm at uni)

    Who said gears for queers? i wanna find them...
    Who said gears for queers? i wanna find them...
  • hewison
    hewison Posts: 49
    I'm also with Butterworth insurance. They're the official insurance company for the Cycle Touring Club which means that youre covered even if your camping and you leave your bike outside (It still has to be locked up obviously).

    My bikes worth œ2k and I'm paying roughly œ165 a year which goes down by 10% every year up to 30% discount. They were the only insurance company that I could find that didn't require me to buy an œ80 lock or to get my frame chipped, although there is a further 10% discount if you do get it chipped.
  • extreme__dude
    extreme__dude Posts: 1,077
    more than home insurance will cover it for the full amount as long as its nicked from the house. and theyre pretty cheap for contents insurance too [:)]

    but outside my flat i'm fooked (although my mums home contents covers it for some reason!). saying that - its not like it gets left anywhere unnatended

    <center>pinkbike</center>
    <center>new frame [:D]</center>
    <center>pinkbike</center>
  • paulscutt
    paulscutt Posts: 332
    Sorry to open an old thread but is quite an important topic...

    Got my bikes covered as 'specified all risk' items on my home contents policy and as i have full accidental damage cover it also covers my bikes if i was to accidentally break them - even away from the house (ie out on the trails!!!) Think its a very useful option!

    Home insurance broker is Swinton, insurer is AXA - very well recommended!

    ...I, myself work in insurance, for a well known broker, so any questions you have i'm more than happy to answer... :)
    **2009 Trek Remedy 8**

    Specialized P.3 (custom) w/ Deore hydro discs, XT group, Blackspire device, Mavic D321's
  • fred1star
    fred1star Posts: 428
    Got £4500 worth of bike insurance added to contents insurance, Nationwide. Includes away from home as well.... It added about £25 a month to insurance...
    09 - Santa Cruz Heckler
    03 - Trek 8500
    95 - P7 (Dead, but I loved it)
    Year dot - Alpine Stars CR300 - Still going strong...
  • paulscutt
    paulscutt Posts: 332
    £25 extra per month?? ouch! thats hefty!!!! think mine cost about £25 extra for the annual premium, if that much! full accidental damage cover away from the home on both bikes with their valuation of £1k each.
    **2009 Trek Remedy 8**

    Specialized P.3 (custom) w/ Deore hydro discs, XT group, Blackspire device, Mavic D321's
  • schlepcycling
    schlepcycling Posts: 1,614
    Marks and Spencer home insurance with premium away from home cover on all items, including bikes, valued up to 4000 pounds.
    'Hello to Jason Isaacs'
  • TomHR
    TomHR Posts: 10
    i'm with evans cycles insurance!

    bike is covered for £400 ... costs £30 a year and no excess!!

    worth it in my opinion as that equates to only £2.50 a month!

    you have to have an approved bike lock, my price bracket being silver secure rating so i just bought the cheapest silver rated lock i could find which set me back £37
  • GrantyBoy
    GrantyBoy Posts: 166
    schlepcycling wrote:
    Marks and Spencer home insurance with premium away from home cover on all items, including bikes, valued up to 4000 pounds.

    snapp
  • gbrnole
    gbrnole Posts: 395
    schlepcycling wrote:
    Marks and Spencer home insurance with premium away from home cover on all items, including bikes, valued up to 4000 pounds.

    I use to pay stupid amounts of around £300 for a year premium with these specialised insurers. Having got a 2nd bike now and each bike less than 6 months old totalling about £8500 theres just no way i would pay the £850 annual premium.

    M&S - £80 a year and dont even have to name the items. Each bike covered up to £4k. Cover away from home is an additional £60 or so - its a no brainer!
    Ibis Mojo SL-r
  • Andy B
    Andy B Posts: 8,115
    Dodgex1 wrote:
    E&L, cover me, mines worth 3.5-4k though so my house insurers refused.
    I used to be insured with E&L.

    Had a bike stolen from inside my locked & alarmed property.

    Claimed on the house insurance, didn't get the full value of the bike, so rang E&L for a quote on the replacement.

    Usual questions were asked... then I was asked if I'd ever made a claim, told them "yes, a bike was stolen from inside my locked & alarmed property"... the reply came, "We will not insure any bike as one has been stolen from inside your property"... WTF!!!! I did all I could to make sure my bike was safe!

    Stupidly I then asked "what about the other bike that I have currently insured with you?", the reply was "we will cancel the insurance on that too"

    E & L can suck my root :evil:
    2385861000_d125abe796_m.jpg

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