Securing bikes to meet home insurance requirements
- Thread starter Danny
- Start date
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I'm already following up the two suggestions here. The challenge is that you have to provide a lot of info before you can get a quote or sometimes even see the detailed policy conditions.
ebikeerwidnes
Guru
- Location
- Z’ha’dum
I would check that with teh insurance
if it is theoretically moveable then they might wriggle out of a claim
wiggydiggy
Legendary Member
Good idea but I know my car is theoretically moveable, and my bikes are insured if they are locked to that so I'm confident it'll be ok.
oxoman
Über Member
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
Guru
- Location
- Z’ha’dum
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
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
Squire
- Location
- Chorley, Lancashire
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
Guru
- Location
- South Wales
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.
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
Squire
- Location
- Chorley, Lancashire
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
Regular
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.
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
Veteran
Or ride a bike that costs less than the insurance and implementing its requirements?
PaulSB
Squire
- Location
- Chorley, Lancashire
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
Squire
- Location
- Chorley, Lancashire
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.
