Cycle Insurance away from home.

[Dave7]

Some weeks ago a CC member asked about this (can't find the op) as his friend had been 'mugged' and found he wasn't insured for this.
I have just renewed my home insurance with Churchill and as I have just purchased a new carbon bike @ £1400 wanted to ensure it was covered.........the findings are.....

1. Standard house insurance will cover a cycle to a set value* (each company has their own value) so long as it's on the premises. * I think mine was in the region of just £350.
2. I paid an extra premium which was less than £40.00 and it is now covered for theft from home or away from home so long as............a) its securely locked or b) stolen with violence or threat of violence.

Just thought this might be useful for others who may just assume they are covered.

 

[Mr Haematocrit]

I would be interested to know what they define as securely locked, do they specify what locks should be used?

 

[Dave7]

I would be interested to know what they define as securely locked, do they specify what locks should be used?

To quote.....
"has been chained to something which cannot be moved and is imobilised................."

 

[Paul_L]

M&S have the best contents insurance policy. Individual items (including bikes) upto £4000.

I'm not sure what is covered away from home, but that said when my bikes are away from the home, they're always under my arse so never left unattended.

 

[srw]

M&S have the best contents insurance policy. Individual items (including bikes) upto £4000.
.

Other providers of similar products are available.

 

[G-Zero]

Some weeks ago a CC member asked about this (can't find the op) as his friend had been 'mugged' and found he wasn't insured for this.

This may be the recent thread you're referring to ? http://www.cyclechat.net/threads/looking-for-cycle-insurance.97363/#post-1768452

 

[Dave7]

but that said when my bikes are away from the home, they're always under my arse so never left unattended.

But the point of the OP was that he was mugged........punched in the face.....then the bike stolen & the insurance wouldn't pay up.

 

[frayBentos59]

Hi Dave, it was my friend who was mugged. You may be referring to my original post.

Thank you very much for this information.

 

[steveindenmark]

I am surprised that everyone has not got away from home insurance.

The biggest chance of getting your bike stolen is when you are out riding and you park it up to go and do something.

Steve