Bike insurance - tell us what you want to know

Send us your questions and we'll ask the insurance companies for some answers...

Every week we are inundated with fact sheets from different bicycle insurance companies telling us why we need specific bike insurance. They're all generally based around the same theme and suggest that your home insurance (which is, strangely, often underwritten by the same companies) doesn't cover your pride and joy, and only specific bicycle cover will ensure you are covered for every eventuality.

Usually these fact sheets major on the same types of information which boils down to: Did you know with some policies your cover could be invalid if:

  • a bike thief inconveniently decides to steal your bike from somewhere other than your home
  • you happen to damage the bike while doing something dangerous - like riding it
  • you store your bike in a locked shed and not in your spare bedroom

Is your bike fully covered?

So we have issued a challenge: rather than sending us the same old tired fact sheet with the same scaremongering about exclusions and lack of cover, why don't the insurance companies answer some real questions from some real cyclists (that would be you)?

We've put together a panel of experts in bike insurance from some of the leading providers so they should have no problem getting to grips with your queries, even the most technical.

So post your questions in the comments section below and we'll pass them on directly to the insurance companies. We will then post their responses in a follow up article next week.

If you don't post any questions we will take it as a sign that you don't really care about bike insurance and will focus our efforts on something else! (We're good at taking hints).

Tony has been editing cycling magazines and websites since 1997 starting out as production editor and then deputy editor of Total Bike, acting editor of Total Mountain Bike and then seven years as editor of Cycling Plus. He launched his first cycling website - the Cycling Plus Forum at the turn of the century. In 2006 he left C+ to head up the launch team for Bike Radar which he edited until 2008, when he co-launched the multi-award winning road.cc - which he continues to edit today. His favourite ride is his ‘commute’ - which he does most days inc weekends and he’s been cycle-commuting since 1994. His favourite bikes are titanium and have disc brakes.

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