Time Waster
Veteran
I have our bikes that are above a certain value on my house insurance policy. I spent time putting in full details and values (I put my recumbent at current new price even though it was cheaper purely because the chances of finding a replacement a the price i paid is next to none right now.
I got the cover and the wording was sufficiently fluffy to allow the insurer to get out of paying up. There are specific exclusions for storage in outbuildings and sheds. Not a problem they are technically inside the house albeit in the garage under the living space of the house. Or is it?? So I fired off a few questions hoping for a formal letter explaining what is needed. They emailed me back with a repitition of the policy wording but in a few more words. So I wrote back specifically asking what counts as an outbuilding or shed and whether an under house or integral garage counts as an outbuilding. Put it this way when the garage door opens we can hear it anywhere in the house!!
Still it is all the insurance I have and at least I know what I need to use when out and about. I get up to 12 hours of cover for our bikes being locked up, away from the house in one go. What that means is if my bike is locked up for longer than 12 hours when it gets nicked then I am not covered. But if I lock it up for 8 hours then another day for 8 hours and so on then for each of those locking periods I am insured. Oh and any bike lock or chain specifically designed for securing bikes are good enough for my assurance. So those cheapo kids bike locks from halfords for a fiver count!! I of course use a gold D lock or a Silver chain that looks like a gold rated chain from the same make. Or I use a Kryptonite cable lock with my Brompton just because it is easy and quick to use.
Whatever the case according to my policy wording and my suplementary email from the insurer any of those locks are sufficient to meet the requirements and make a claim.
BTW do you think it is better to take steps to prevent your bike being stolen or better to enjoy using it with precautions and insurance such that if it did get nicked you would get a new one back off the insurance claim money?? I think I would prefer to result in the first but the second is a good thing too. I would rather use my bikes without fear and claim if that is necessary than not fully using it and enjoying my life with it. IF that makes sense.
I got the cover and the wording was sufficiently fluffy to allow the insurer to get out of paying up. There are specific exclusions for storage in outbuildings and sheds. Not a problem they are technically inside the house albeit in the garage under the living space of the house. Or is it?? So I fired off a few questions hoping for a formal letter explaining what is needed. They emailed me back with a repitition of the policy wording but in a few more words. So I wrote back specifically asking what counts as an outbuilding or shed and whether an under house or integral garage counts as an outbuilding. Put it this way when the garage door opens we can hear it anywhere in the house!!
Still it is all the insurance I have and at least I know what I need to use when out and about. I get up to 12 hours of cover for our bikes being locked up, away from the house in one go. What that means is if my bike is locked up for longer than 12 hours when it gets nicked then I am not covered. But if I lock it up for 8 hours then another day for 8 hours and so on then for each of those locking periods I am insured. Oh and any bike lock or chain specifically designed for securing bikes are good enough for my assurance. So those cheapo kids bike locks from halfords for a fiver count!! I of course use a gold D lock or a Silver chain that looks like a gold rated chain from the same make. Or I use a Kryptonite cable lock with my Brompton just because it is easy and quick to use.
Whatever the case according to my policy wording and my suplementary email from the insurer any of those locks are sufficient to meet the requirements and make a claim.
BTW do you think it is better to take steps to prevent your bike being stolen or better to enjoy using it with precautions and insurance such that if it did get nicked you would get a new one back off the insurance claim money?? I think I would prefer to result in the first but the second is a good thing too. I would rather use my bikes without fear and claim if that is necessary than not fully using it and enjoying my life with it. IF that makes sense.
