bike insurance on house cover?

[Levo-Lon]

I know this is probabley a common thread so apologies..

so would you load the house policy Or get specific cover?
Bikes are Not covered on the bike rack but are covered in the secure lock up and in the car.
but after some totting up our cover is way to low, if we have a visitor we will be very out of pocket.
any thoughts on whats best?

 

[Pro Tour Punditry]

any thoughts on whats best?

Not worrying.

 

[vernon]

There's no easy answer. It all depends on which policies that you use for comparison. It's difficult to get a like for like comparison between house and cycle specific policies.

It's a matter of trawling through all of the small print and exclusions.

There is an argument for putting money to one side to cover the replacement of moderately priced bicycles.

 

[Levo-Lon]

Ok @vernon ..ill let the household accountant sort it..she loves small print..

 

[vickster]

My bikes are covered on home insurance, barely adds anything to the premium compared to insuring on bike specific which would be heinous to cover the value of my fleet. I reckon £30-50 versus many hundreds

That's to cover all bikes away from home and also accidental damage I think

I'm with the AA, bikes up to £1500 value do not need to be specifically named on the policy

 

[vickster]

Assume you've read the insurance sticky https://www.cyclechat.net/threads/insurance-and-cycling.118438/

 

[Levo-Lon]

we have Barclays home with a few things added but only about 1500 bike cover..
We have some other bits and bobs listed too, house policy is due for renewal so just looking at pro's and cons

 

[Mrs M]

We have both bikes named on the house insurance policy.

 

[Levo-Lon]

Assume you've read the insurance sticky https://www.cyclechat.net/threads/insurance-and-cycling.118438/

no id not seen that..Ta..i like reading quick replies rather thar trawling through stuff..attention span of a gold fish me

 

[SD1]

That's to cover all bikes away from home and also accidental damage I think

I'm with the AA, bikes up to £1500 value do not need to be specifically named on the policy

How many? I have 2 in that price range can I cover both?

 

[vickster]

Yep I don't think there's any limit. I have 3 under (they dont ask that however) and one named over. AA are only brokers, you'd need to speak to them about specific policy