Heltor Chasca
Out-riding the Black Dog
My household insurance policy came through for renewal. To impress me with their newest and best price they found a cheaper deal this year. Great. However, going through the small print there was no longer any cover for the 6 bikes at Chez HC. Twits!
My opportunity to shop around. Separate cover for the bikes on top of the house insurance? Comprehensive for the lot? Leaving out the boring stuff, I found an amazing deal with Pedal Cover. It was £11 cheaper PCM for all 6 bikes than the nearest separate scenario (Bikmo), £1000000 house and £75000 contents.
Pedal Cover offers a zero-loophole policy. I am delighted. Here is a summary for anyone shopping around. I highly recommend them.
Is the bike covered for crash damage?
Yes, worldwide. Even if it’s your fault.
Do I have to use a specific lock?
No, we don’t have any over-the-top lock requirements.
Do you use Wheelies?
No, generally we provide a cash settlement.
Is the policy new for old?
Yes, up to 10 years.
Is the bike covered in an outbuilding?
Yes.
3rd party liability is not covered for member-to-member claims with British Cycling, is it with your policy?
Yes, full public liability cover in the UK.
My opportunity to shop around. Separate cover for the bikes on top of the house insurance? Comprehensive for the lot? Leaving out the boring stuff, I found an amazing deal with Pedal Cover. It was £11 cheaper PCM for all 6 bikes than the nearest separate scenario (Bikmo), £1000000 house and £75000 contents.
Pedal Cover offers a zero-loophole policy. I am delighted. Here is a summary for anyone shopping around. I highly recommend them.
- No charge per bike.
- No limit on number or value of bikes.
- Full worldwide crash damage cover, as standard.
- No need to specify the bikes covered.
- Breakdown recovery service – if you have a mechanical we will cover the taxi home.
- Public liability cover in the UK.
- New for old cover up to 10 years (unlike many other providers who only offer 3 years).
- Bikes replaced, in most cases, with a cash settlement. Ideal if you have bespoke bikes (e.g. Van Nicholas, Parlee, Seven).
- Crash damage and theft cover for clothing and accessories too (includes helmets, Garmin watches, phones).
- No limit for theft from an outbuilding.
- Bike rental replacement if an airline damages your bike.
- Time trialling, Sportives and Gran Fondos covered as standard.
Is the bike covered for crash damage?
Yes, worldwide. Even if it’s your fault.
Do I have to use a specific lock?
No, we don’t have any over-the-top lock requirements.
Do you use Wheelies?
No, generally we provide a cash settlement.
Is the policy new for old?
Yes, up to 10 years.
Is the bike covered in an outbuilding?
Yes.
3rd party liability is not covered for member-to-member claims with British Cycling, is it with your policy?
Yes, full public liability cover in the UK.
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