Insurance

[stuarttunstall]

Good point ... Ground anchor and chain sounds good lol

 

[lane]

Irrespective of insurance a locked garage is not adequate security - I speak from experience. Ground anchor and big chain are, as noted above, what you will need.

 

[lane]

https://securityforbikes.com/torc-ground-anchor.php

Have a look at this website for good advice and products

 

[stuarttunstall]

Irrespective of insurance a locked garage is not adequate security - I speak from experience. Ground anchor and big chain are, as noted above, what you will need.

I will take a look, can always anchor it to the garage wall/floor...

 

[stuarttunstall]

https://securityforbikes.com/torc-ground-anchor.php

Have a look at this website for good advice and products

Excellent, thank you I will take a look

 

[mjr]

Alarms are good if you can hear it from the house and disturb the thief, or at least picture them for the police.

 

[lane]

Alarms are good if you can hear it from the house and disturb the thief, or at least picture them for the police.

Yes agreed - I got a reasonably cheap one for the garage from screwfix - easy to install and very loud.

 

[Serge]

Isn't it such a bloody shame that we have to jump through all these hoops to protect our property?

In any sane world it would be enough to have your bike locked up in a garage.

Maybe I'm just an idealist.

Maybe I've just had too much wine.

Definitely it's time for bed.

 

[simongt]

Always think if you save the premiums, you can justify buying a new bike if it is nicked.

We originally thought about having our bikes insured, but likewise, the cost of insuring eleven bikes would have been prohibitive and the money we have saved on premiums over the years we think more than justifies our view.
Put a decent quality lock on the bike and secure it in plain view.

 

[lane]

Except when you leave the house one morning and find 3 bikes have disapeared from the garage overnight. I was pleased they were covered on my house insurance. Agreed there is a balance re premiums, which also go up when you make a claim.

 

[NorthernDave]

You may well already have cover on your home insurance, or be able to add it for a small additional charge depending on the value of your bike(s) and what you need.

I've got specific bike cover through Bikmo though as it meets my needs and it was an increasing faff making sure that the house insurance provided the cover I needed: https://bikmo.com/

 

[stuarttunstall]

You may well already have cover on your home insurance, or be able to add it for a small additional charge depending on the value of your bike(s) and what you need.

I've got specific bike cover through Bikmo though as it meets my needs and it was an increasing faff making sure that the house insurance provided the cover I needed: https://bikmo.com/

Thanks for the link, looks just what I need...

 

[PaulSB]

I have always found cover on our household insurance to be by far the most competitive option. The specialist bike insurance companies appear to be vastly overpriced.

Chose a quality insurer and speak on the phone to clarify queries.

One thing to be aware of is what constitutes locking your bike and any quirks in the cover. Sometimes it’s crazy. My policy requires the Bikes to be locked to something immovable. Locked to my bike rack on the car boot = insured. In the back of my car = uninsured!!!!

 

[simongt]

One thing to be aware of is what constitutes locking your bike and any quirks in the cover.

And I think you'll also find that some insurers go so far as to specify a particular type / standard of lock which you have to use to be covered and then said lock would probably have to be replaced every time the lock coy. upgrades the lock specs.

 

[iluvmybike]

Try Bikmo+ if you are online. Cycling UK & British Cycling don't cover the bike - only 3rd party public liability. Some house insurances have some cover but usually very limited and check conditions - usually pretty stringent