Bike insurance.

[Surlydave]

Any advice on the best place to get cycle insurance? Am I best to add to house contents or go for separate cover?
Many thanks.

 

[vickster]

Any advice on the best place to get cycle insurance? Am I best to add to house contents or go for separate cover?
Many thanks.

House probably but check the Ts &Cs very carefully

Also, get some separately personal cover in case of an accident - to cover damage to you or someone else if your fault. British Cycling and CTC offer as part of certain levels of membership

https://www.cyclechat.net/threads/insurance-and-cycling.118438/

 

[Surlydave]

Cheers,
Am already a member of Ctc so that area covered.

 

[vickster]

Don't forget to add away from home cover and also consider accidental damage to the bike in case you come off and no one else is involved

 

[Surlydave]

Many thanks,
Will check out various quotes.

 

[Roadhump]

I considered taking out insurance with Evans a couple of years ago, but I spoke with my house insurers and got cover for theft whether at home or not a bit cheaper. The only thing I am not covered for is 3rd party, which I think came with the policy from Evans. Be careful with the T&Cs as someone above said; the policy will probably be void if your bike isn't properly secured if and when it gets nicked.

 

[mr_cellophane]

Secured with an appropriate level of lock for some policies as well.

 

[Blue]

I considered taking out insurance with Evans a couple of years ago, but I spoke with my house insurers and got cover for theft whether at home or not a bit cheaper. The only thing I am not covered for is 3rd party, which I think came with the policy from Evans. Be careful with the T&Cs as someone above said; the policy will probably be void if your bike isn't properly secured if and when it gets nicked.

Are you sure about that. Many, if not all, Home Contents policies will have a 'Personal Liability' cover that will cover cycling for all but racing and/or testing.

Full accidental damage may be available as a specified item - up to agreed limits.

Check cover carefully for limits if covered for theft or accidental damage as an unspecified item under general contents as the extent of cover varies greatly from one Company to another.

As stated before, always read policy cover, terms and conditions carefully.

 

[Roadhump]

Are you sure about that. Many, if not all, Home Contents policies will have a 'Personal Liability' cover that will cover cycling for all but racing and/or testing.

Full accidental damage may be available as a specified item - up to agreed limits.

Check cover carefully for limits if covered for theft or accidental damage as an unspecified item under general contents as the extent of cover varies greatly from one Company to another.

As stated before, always read policy cover, terms and conditions carefully.

Thanks for pointing that out, I must check, perhaps I am better insured than I thought. My policy does specify bicycles (as I requested it via my insurers) and stipulates a limit of £1,000 per bike which suits me as my bikes are worth a about £750 and £250 respectively.