Cycling Insurance - Recommend a provider

[ebikeerwidnes]

I do wonder about how I would claim for my ebike

I have the original receipt

however, due to a design problem with the charger I had to return the bike to the LBS for a fix - several time
eventually Raleigh - who had been very helpful to the LBS - decided to 'do the decent thing' and just took the ebike back and replaced it with one further up the price range - hence better quality (??) motor and stuff
(Note - the design fault was fixed shortly after !)

which was great of them

however - it means I have a rescipt for a Raleigh Array - but I ride a Raleigh Motus

The manager of the LBS is very helpful and well remembers the whole saga - so I am pretty confident I could get a letter from him stating what happened
but I am less sure how an insurance company would treat this
would they replace the Motus or the Array

TBH if the replaced the original Array then I would not be over upset as it had better suspension and lights
but morally the Motus is better with its Bosch motor and drive and is more expensive so if that was nicked then they should replace that one

OK - a bit of a weird circumstance so the chances of me finding somehad a bike nicked in the same situation are reomote

so just saying really!!!

 

[wiggydiggy]

I do wonder about how I would claim for my ebike

I have the original receipt

however, due to a design problem with the charger I had to return the bike to the LBS for a fix - several time
eventually Raleigh - who had been very helpful to the LBS - decided to 'do the decent thing' and just took the ebike back and replaced it with one further up the price range - hence better quality (??) motor and stuff
(Note - the design fault was fixed shortly after !)

which was great of them

however - it means I have a rescipt for a Raleigh Array - but I ride a Raleigh Motus

The manager of the LBS is very helpful and well remembers the whole saga - so I am pretty confident I could get a letter from him stating what happened
but I am less sure how an insurance company would treat this
would they replace the Motus or the Array

TBH if the replaced the original Array then I would not be over upset as it had better suspension and lights
but morally the Motus is better with its Bosch motor and drive and is more expensive so if that was nicked then they should replace that one

OK - a bit of a weird circumstance so the chances of me finding somehad a bike nicked in the same situation are reomote

so just saying really!!!

I suppose it depends on the insurer but to me as that Array was replaced as not fit for purpose with one that is and that is what you have (hopefully not!) lost they should replace that.

 

[figbat]

Take pictures of your Motus and frame number and there’s your proof of ownership. If it came to it you show them this and get a quote for replacing what you lost. I don’t have receipts for most of the bikes I own, and those that I might be able to find would not be useful to me as I bought them at bargain prices, below market value (demo bikes, used, whatever).

 

[vickster]

I’m with Aviva premier (or whatever it’s caused too), £2.5k bike cover away from home, think it’s unlimited at home? Costs me around £28 a month for unlimited contents and building cover with legal etc

 

[wiggydiggy]

I’m with Aviva premier (or whatever it’s caused too), £2.5k bike cover away from home, think it’s unlimited at home? Costs me around £28 a month for unlimited contents and building cover with legal etc

Aviva's come up a few times, I'm certainly phoning them later this year when home insurance is up for renewal for a quote.

 

[ebikeerwidnes]

Take pictures of your Motus and frame number and there’s your proof of ownership. If it came to it you show them this and get a quote for replacing what you lost. I don’t have receipts for most of the bike I own, and those that I might be able to find would not be useful to me as I bought them at bargain prices, below market value (demo bikes, used, whatever).

Yes - I have done this just in case - photos from all angles
including photos of the bikes locked up in the shed showing the locks in places - and close ups of the locks
because we all know that insurance can get a bit 'less helpful' when you claim
and with all the rules - that is what is making me worried about Yellow Jersey

 

[vickster]

Aviva's come up a few times, I'm certainly phoning them later this year when home insurance is up for renewal for a quote.

You get a discount if you happen to have any other Aviva products (I have an old pension)

 

[rogerzilla]

If you have many bikes, away-from-home cover is usually prohibitively expensive. They don't understand that you can only ride one at a time.

Most household policies have a £1,000 per bike limit, which would cover very few enthusiast bikes these days.

 

[youngoldbloke]

If you have many bikes, away-from-home cover is usually prohibitively expensive. They don't understand that you can only ride one at a time.

Most household policies have a £1,000 per bike limit, which would cover very few enthusiast bikes these days.

With Barclays you select a figure to cover the most expensive bike (up to £5000 max.) and all other bikes are covered up to that figure. Covers e-bikes (UK only). Insured out of the home. Must be locked to an immoveable object if unattended (or a locked space). Theft and accidental damage covered. Bike hire. 3rd party cover up to £5,000,000. I think premium depends very much on your postcode, I'm lucky - £23.20 this year!
Worth getting a quote.

 

[wiggydiggy]

Thanks All.

I've gone for a combination of Barclays Cycle (£55) and CyclingUK (£33). I'll keep a note how much I save using discounts from CylingUK in the year.

 

[suzeworld]

I use Hastings Direct for House and Contents insurance. All my bikes are covered as "named personal possessions." This gives cover, new for old, on all risks at home or away.

Two points to note:

The bikes must be locked to an immovable object. This gives rise to some slightly bizarre situations. The bike is not covered in the boot of a locked car. It is covered when on a bike carrier and locked to, for example, the towing eye.

The other point is to provide a replacement value each year. Failing to do so could/would result in a reduced payout in the event of a claim. If replacement cost is £2000 that should be the insured value and not the original purchase price.

I imagine this applies to all high value specified items. The only other one I have is a laptop.

See. It’s this detail on security that makes me think it’s not worth buying Insurance . If you just do this isn’t it unlikely to get knicked anyway?
We have stuck with this policy since we started buying bikes expensive enough to worry about! 15 years ago.
Never spent anything on bike insurance. Never lost a bike. Have used the legal support of British Cycling after an accident. Not sure if we’ve been vulnerable to 3rd party risks.
Now we’re thinking of travelling with the bikes in bike boxes on planes so we’re looking for insurance for that vulnerable bit in transit.

Searching for advice on that

 

[vickster]

See. It’s this detail on security that makes me think it’s not worth buying Insurance . If you just do this isn’t it unlikely to get knicked anyway?
We have stuck with this policy since we started buying bikes expensive enough to worry about! 15 years ago.
Never spent anything on bike insurance. Never lost a bike. Have used the legal support of British Cycling after an accident. Not sure if we’ve been vulnerable to 3rd party risks.
Now we’re thinking of travelling with the bikes in bike boxes on planes so we’re looking for insurance for that vulnerable bit in transit.

Searching for advice on that

Travel insurance company? Some must specialise in cycling holidays (you may need specific insurance to cover you when cycling abroad too)

 

[suzeworld]

Travel insurance company? Some must specialise in cycling holidays (you may need specific insurance to cover you when cycling abroad too)

Yeah. Which is now compounded by my age! Over 65 presents extra risk, apparently. 🫤

 

[PaulSB]

See. It’s this detail on security that makes me think it’s not worth buying Insurance . If you just do this isn’t it unlikely to get knicked anyway?
We have stuck with this policy since we started buying bikes expensive enough to worry about! 15 years ago.
Never spent anything on bike insurance. Never lost a bike. Have used the legal support of British Cycling after an accident. Not sure if we’ve been vulnerable to 3rd party risks.
Now we’re thinking of travelling with the bikes in bike boxes on planes so we’re looking for insurance for that vulnerable bit in transit.

Searching for advice on that

Hard to understand your problem. My policy covers my bikes worldwide, all risks, new for old at a cost of £283 per annum...............

oh, I forgot it includes my house, garage, sheds, all contents and personal liability.......

 

[Sallar55]

See. It’s this detail on security that makes me think it’s not worth buying Insurance . If you just do this isn’t it unlikely to get knicked anyway?
We have stuck with this policy since we started buying bikes expensive enough to worry about! 15 years ago.
Never spent anything on bike insurance. Never lost a bike. Have used the legal support of British Cycling after an accident. Not sure if we’ve been vulnerable to 3rd party risks.
Now we’re thinking of travelling with the bikes in bike boxes on planes so we’re looking for insurance for that vulnerable bit in transit.

Searching for advice on that

We don't have the bikes insured but if its the good bike i have a Bikebox Alan for flying . Its my insurance.