Cycle insurance

[busy builder]

Well, I've managed to get a Haibike Trekker 3 Low, after refusing the first one due to damage.

I need insurance to cover both bike and myself, any recommendations ?

 

[Wapping]

Most conventional household policies have a bicycle extension, though you might need to activate it. Look though at the value declared as some might not extend to thousands.

For yourself? What insurance do you need? Liability? Bodily injury? Both? Something else entirely?

 

[Davey B]

Wife and I have several push bikes. New values probably total £15k all in. We have never had insurance specific for them, bar whatever the household policy pays. I've a few friends who pay £150-£200 a year. Over my 40 yrs of nice bikes I figure I've "saved" around £7k in today's terms...never had a bike nicked (now give said it !) Im just careful if Im gonna leave it anyway..well, I don't...not out of sight anyway.
Maybe look at your likely usage and see if it is gonna be worth it based on where you live (and crime rate) and where you'd ride it.
Just a thought

 

[NeverRodeBefore]

Depending on what sort of cover you're looking for, why not try the Cycle Tourist Club...

well.. the CTC has had a bit of a rebrand and is now Cycling UK but apparently they do still have third party cover in the membership fee?

I have had a couple of bicycles pinched but they didn't cost me thousands in the first place.

 

[ymfb]

If you want 3rd party cover, I think you get it included in membership of British & UK cycling.

Third party liability insurance | British Cycling

Insurance for cycling | Cycling UK

Unfortunately, incidents do occur both on and off the bike. For peace of mind and to protect both you and your cycling possessions, you may want to consider specialist insurance for cycling, particularly as your home and travel insurance policies may not cover your bikes adequately

www.cyclinguk.org

 

[mw3230]

I recommended the company I use - Cycleplan by Ripe Insurance - to my son. He received a quote cheaper than any other he had had and I received a £45 gift voucher for the referral

Cycleplan: Bicycle & Cycling Insurance | 70% Off

Specialist bike insurance through Cycleplan. Cycleplan arranges a wide range of cover for bicycle and cycling activities. Get a quote online today.

www.cycleplan.co.uk

 

[busy builder]

Thanks for replies.

 

[parkys100]

Well, I've managed to get a Haibike Trekker 3 Low, after refusing the first one due to damage.

I need insurance to cover both bike and myself, any recommendations ?

Hello
I use Aviva house insurance for high value push bike insurance away from the house

 

[KickStarter]

Lots of mates and myself are with Laka,

I've had some friends receive payouts without complications or too many questions, including one friend who had a habit of crashing their bike.

I'm going to PM you a referal code!!

Thanks,

 

[adventuredon]

I got quotes for under £110 pounds a year. Brand new electric bike. Comprehensive. Then I called my home insurers. Same cover but only policy increase of £14 for the year. Winner.

 

[Moto Bikemad]

I take Bob with me every where I go, just leave him with the bike and have never had a problem. Don’t even lock the garage but then he has free run of the garden, much cheaper than insurance.

 

[mw3230]

That’s excellent. Does it cover Europe? (I’m referring to post no. 10)

 

[Wapping]

That’s excellent. Does it cover Europe? (I’m referring to post no. 10)

Calling your own insurer and enquire what cover they offer for bicycles, would seem to be easiest perhaps?

 

[mw3230]

Calling your own insurer and enquire what cover they offer for bicycles, would seem to be easiest perhaps?

Agreed. There was some reason why I didn’t do that but I can’t recall what it was

 

[Mr Bean]

My insurers wanted £25.00 extra to add my £3k bike to my home insurance.

There are conditions attached to it.

Same as with all insurances

 

[littleade]

I added my £1200 MTB to my household insurance 15 years ago when it was quite an expensive item which was easyvenough to do, though I never had to claim. IIRC most buildings and contents insurance covers you for 3rd party public liability anyway.

 

[Wapping]

IIRC most buildings and contents insurance covers you for 3rd party public liability anyway

As usual, take care and read the policy.

Some (not all) policies only cover third party liability in respect of injuries you may inflict on others, within the confines of your house. In other words, the cover might not extend to damage or injury you cause to a third party, when peddling your bicycle.

 

[parkys100]

my family has BCF membership which gives us all 10Million public liability insurance whilst pedalling our cycles.
Bikes insured away from property Aviva insurance £50 extra.

 

[AdrianS]

Adding onto household insurance was by far the cheapest way yo go for us.
Ive got some high valued bikes that I dont insure as the furthest they are from me is at a cafe, and I lock the bike up and it is always in my sight. We have a couple of ebikes we use for "social use" ie, for days out when we may do a bit of shopping, stop for lunch, go to the pub etc and these are insured. I think it added about £30 for the year for 2 ebikes with a value of about £5000. The only stipulation was that they needed to be locked to a fixed object when left.
Stand alone insurance was very expensive.
Take note of Wapping's posts.