Securing bikes to meet home insurance requirements

[ebikeerwidnes]

I just had a thought, if you want to avoid drilling a friend of mine filled giant bucket full of rubble and concrete, then set a hoop in it. It's immoveable or as good as due to the weight.

I would check that with teh insurance

if it is theoretically moveable then they might wriggle out of a claim

 

[oxoman]

I'm lucky I have a smallish brick built workshop attached to the house and if they get past the 2 5 lever mortice deadlocks, 2 Hi security disc locks, barred and obscurred windows. Door being a thick solid oak plank door. And survive the ear-splitting alarm then cctv then im pretty sure the house insurance will cough up. Only thing i can't insure or actually voids my house insurance is if I get an e-bike.

 

[ebikeerwidnes]

As I said above I used to have a problem with insurance if it was an ebike

but when I checked back a few years later the wording had been changed and they were OK now

I always check before finalising the new insurance - and before renewing - mainly to check that section
you never know when they will "change a few words" and things are very different

 

[PaulSB]

Check the insurance company's definition of "immovable object with a Sold Gold standard lock". Especially the immovable object part.

A yes from me on that. One policy I had didn't cover my bike if it was inside the car and not secured to the car............but it was covered on a car bike rack provided it was locked to the rack!

Work that one out.....

 

[Alex321]

My Aviva policy says:

So in a locked garage is fine. I think it was £18 to add my bikes, with no individual bike worth more than £2500.

 

[PaulSB]

My Aviva policy says:
View attachment 796596
So in a locked garage is fine. I think it was £18 to add my bikes, with no individual bike worth more than £2500.

Yes, I recently insured with Aviva under similar terms. £30 additional premium to give cover for individual bikes up to £7500.

I'd add I claimed from M&S last year. Aviva actually provided the cover. The claims service and process was outstanding. I've paid more than the cheapest by some margin because I know Aviva don't quibble over claims.

 

[BMBoy]

Always thought it was a bit daft that the insurance companies specify these expensive gold standard locks but then allow you to lock them to a piece of wood screwed into the wall if you wanted!
It's hard to know what's the most secure these days with thieves going around with cordless angle grinders. Making sure the insurance is fully valid is probably the best you can do.

 

[Punkawallah]

Always thought it was a bit daft that the insurance companies specify these expensive gold standard locks but then allow you to lock them to a piece of wood screwed into the wall if you wanted!
It's hard to know what's the most secure these days with thieves going around with cordless angle grinders. Making sure the insurance is fully valid is probably the best you can do.

Or ride a bike that costs less than the insurance and implementing its requirements?

 

[PaulSB]

Or ride a bike that costs less than the insurance and implementing its requirements?

In my experience of using household insurance this would put us all on bikes valued between £250 - 500 with the knock on effect of crashing the UK cycle market almost overnight.

 

[Mike_P]

In my experience of using household insurance this would put us all on bikes valued between £250 - 500 with the knock on effect of crashing the UK cycle market almost overnight.

Aviva home insurance can be extended to cover bikes valued upto £5000

 

[PaulSB]

Aviva home insurance can be extended to cover bikes valued upto £5000

Yes, this is what I have though to a higher value. It cost an additional £30 on the premium. Bargain!

I get your point but I think Aviva is unusual, many policies have limited cover.

 

[Pblakeney]

Yes, this is what I have though to a higher value. It cost an additional £30 on the premium. Bargain!

I get your point but I think Aviva is unusual, many policies have limited cover.

This is why everyone need to check their policies and move if it is in their best interests.

 

[ebikeerwidnes]

In my experience of using household insurance this would put us all on bikes valued between £250 - 500 with the knock on effect of crashing the UK cycle market almost overnight.

Every house insurance company I have rung are happy with my ebike which is worth a damn sight more than £250-500

but I do need to specificy the exact make and model

Of course, how they would react if it got stolen is another matter - hope I don;t find out!

 

[Drago]

My insurers wanted to know mine was an unmodified legal ebike and not some improvised tactical nuke on wheels, and once Id reassured them of thet they made approving noises and ticked the box.

 

[Punkawallah]

In my experience of using household insurance this would put us all on bikes valued between £250 - 500 with the knock on effect of crashing the UK cycle market almost overnight.

Best get out of the market now - before the idea catches on!