The Retirement Thread

[Deleted member 1258]

I wonder about the details of these policies...

If they specify that the bike needs to be locked using a gold standard lock to an immovable object, then that isn't going to help when you and your mates lock your bikes together at the cafe stop using a lightweight cable lock! (Who carries heavy D-locks on long and/or fast rides?)

I've got a silver rated chain lock in the shed, it rarely gets used, the damn thing weighs almost as much as my bike. I usually use a small cable lock.

 

[Deleted member 1258]

I've used Hastings Direct for house insurance for three years. Very impressed with the service and cover. Bikes at full replacement cost is really is important. For the last three years the premium has increased by £8-10 which I think is very reasonable so I don't bother to look around.

I had a small rise last year, about a fiver, so I wasn't to bothered, this year however it had gone up about £60 and that was too much, I've got a 10 year old car that I don't use much so I wasn't going to pay that much extra.

 

[12boy]

At 7:30 am with the stinkbutt dog at Yesness pond 3/4 mile south of my place. Fish n Game is saying if the temps don't drop the trouts in the pond won't survive. Two pelicans cruising and some split tailed gulls we don't often see here. The pic is bad but shows 1 of 2. I'll clean up my breakfast mess, use my Arkansas brush, and head out for a spin. Why an Arkansas brush? Because if they had been invented elsewhere they would be called teethbrush.
Be well and safe

 

[classic33]

I wonder about the details of these policies...

If they specify that the bike needs to be locked using a gold standard lock to an immovable object, then that isn't going to help when you and your mates lock your bikes together at the cafe stop using a lightweight cable lock! (Who carries heavy D-locks on long and/or fast rides?)

I've a Gold Standard lock, but the cable isn't even Bronze. But I'd be covered because of the lock meeting the requirements.

 

[BoldonLad]

I love to see and hear thunder and lightning.

We have the rain, thunder and lightening now.

Good timing, I have just returned everything to the garden shed, after emptying it to move it (ably assisted/supervised by Mrs @BoldonLad).

 

[Flick of the Elbow]

Managed to avoid the forecast showers and downpours this afternoon for a couple of hours ride, looked like I was going to get a soaking more than once but the worst it got was a few minutes of smirr at one point.

 

[Deleted member 1258]

I've got a silver rated chain lock in the shed, it rarely gets used, the damn thing weighs almost as much as my bike. I usually use a small cable lock.

I keep getting adverts for the Litelok on my Facebook page, whether its any good or not I've no idea.

https://www.litelok.com/?fbclid=IwAR2eZ4kKpvvfumt3CedRA8FhPN7XhSuIbjOg2afuFEYDQUw_lsfyHcaS_9A

 

[ColinJ]

I've got a silver rated chain lock in the shed, it rarely gets used, the damn thing weighs almost as much as my bike. I usually use a small cable lock.

Yes, and I bet the insurance company rep would do a 'sharp intake of breath' and shake his/her head if you tried claiming for a bike stolen when using the cable lock!

I use this at the shops, but I am NOT going to drag it over the Pennine hills on my serious rides...!

 

[welsh dragon]

I've been sorting out my car insurance this morning, my renewal quote from Hasting Direct was over £400 for my little Suzuki Swift, a visit to Money Supermarket brought up a Hastings Essentials quote of £235 for almost identical insurance, a 40 minute phone call to Hastings Direct and they matched the lower quote, so its a result and I'm £8 quid a month better off.

Mine was £120 for my Suzuki from Lloyds.

 

[welsh dragon]

Well amazingly enough i managed to get all my washing dry. Hoorah.

And it's raining again here but I don't care now.

I have been pottering around and doing a bit of crafting as well.

 

[Deleted member 1258]

Mine was £120 for my Suzuki from Lloyds.

Well done, I wouldn't get anywhere near that.

 

[Dirk]

Poundstock Guildhouse built around 1550 and still in use today.

 

[PaulSB]

I wonder about the details of these policies...

If they specify that the bike needs to be locked using a gold standard lock to an immovable object, then that isn't going to help when you and your mates lock your bikes together at the cafe stop using a lightweight cable lock! (Who carries heavy D-locks on long and/or fast rides?)

They don't specify locks. From what I've read it's only the so-called cycle insurance specialist companies who do this.

My insurers require the bike to be locked to something immovable. The lock type isn't specified. That's all. I never leave my bikes out of sight so a cafe lock is adequate. In the garage they are always secured with D-locks, heavy cables and wall mounted/bolted rings etc. This isn't an insurance requirement, it's a Paul requirement as I hate the thought of my bikes being stolen.

 

[ColinJ]

This isn't an insurance requirement, it's a Paul requirement as I hate the thought of my bikes being stolen.

It happened to me as a 13 year old. My bike disappeared from a school bike rack, back in the days when few kids got a lift to school!

I think I probably had it locked with a little chain and combination lock but it was over half a century ago, so I can't actually remember. [Weird thing memory though - I CAN remember that the frame number of the bike was 4867715!!! ]

I was gutted, but at least the insurance coughed up. Foolishly, I spent the money on hifi gear rather than a replacement bike. I didn't get another bike until 20 years later.

 

[welsh dragon]

Well done, I wouldn't get anywhere near that.

I was really surprised that I got such a good deal we well. although I must admit I have never paid more than £200 ever for my car insurance