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Home insurance for bike?

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  • December 31, 2010 at 10:00 am #12963
    lippy

    Happy new year all!

    I don’t currently have any insurance for either of my bikes, and I’m about to start looking for a new home contents insurance policy. Does anyone insure their bikes on their contents policy, and would you recommend them? Or should I be looking for separate policies? I’d guess that both bikes are worth about £1500, and I’m not too concerned about insuring them against theft on the street, as I don’t lock them up outside of my house or office.

    Any suggestions gratefully received.

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Viewing 9 replies - 1 through 9 (of 9 total)
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  • January 12, 2011 at 11:38 am #639615
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    JC

    My bike is covered (BoS
    My bike is covered (BoS insurance) on the home insurance. It is listed as a specific item – and is insured when it is locked at away form home/ at work. It is also covered for accidental damage.
    However if you damage it while riding it is NOT covered.
    So if you fall off (like I did, going too fast) then your not covered. But if you leave it locked outside a café and someone vandalises it your are covered!
    As ever – its all in the small print

    January 10, 2011 at 1:41 pm #639613
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    LardLover

    fred22 wrote:Do any of these

    fred22 wrote:
    Do any of these home insurance policies cover accidental damage whilst out on the bike?

    I think to do that you’d have to list your bike separately, ie as a ‘Specified Item’ which will incur extra cost (that’s what I do, haven’t tried to claim yet though)

    January 10, 2011 at 1:09 pm #639611
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    fred22

    Do any of these home
    Do any of these home insurance policies cover accidental damage whilst out on the bike?

    January 6, 2011 at 1:26 pm #639609
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    Thor74

    The Oxford revolver lock has
    The Oxford revolver lock has insurance up to £500 on a bike for a £10 registration fee

    January 6, 2011 at 8:49 am #639607
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    handlebarcam

    SPAM Naval wrote:try ‘More

    SPAM Naval wrote:
    try ‘More Than’.

    They got a lifetime ban from me when they started their “MoreThan Freeman” adverts, which toe-brained cretins are already calling “genius” despite being the 17th most irritating thing in the history of human “civilisation.”

    But then I live by the credo “never buy anything you can’t afford to lose” so my boycott is unlikely to bother them.

    January 6, 2011 at 4:52 am #639605
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    agas1

    M&S were good – though I last
    M&S were good – though I last had bikes insured in hte UK in 2009. Once bikes were specified in policy coverage available for more than £2000 if needed. Underwritten by HSBC I think but M&S had better conditions & were cheaper.

    January 5, 2011 at 12:54 pm #639603
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    Old Cranky

    Hiscox
    Hiscox

    January 5, 2011 at 11:48 am #639601
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    SPAM Naval

    try ‘More Than’. They do a
    try ‘More Than’. They do a good policy that includes bikes up to £5000 and there isn’t any small print like not letting you store them outside (as long as they are locked to an immovable object)>
    I found them really good for my pride and joys..

    December 31, 2010 at 3:42 pm #639599
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    dave atkinson

    i’m with nationwide, they
    i’m with nationwide, they cover bikes up to £2k and i’ve found them very good, having had to claim this year…

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