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Thread: Bike (MTB) insurance

  
  1. #1
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    RoyalWithCheez's Avatar
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    Bike (MTB) insurance

    Anyone here got their bikes insured? I had mine and my dads listed under the house insurance with the previous policy but my dads just renewed it with a different company and wanted to add it. They said they wanted an extra(bearing in mind thelast Co. didnt charge any extra) £12 for my sisters bike (worth £150ish?), £20 for my dads (£400ish) and an extra £50 for my bike worth £1000, which is their limit, but i'd rather insure it for £1100 as its nearer that. Basically we told them to get stuffed because thats ridiculous, im gonna look for a seperate bike policy and want to know where to start. Obviosuly theres general insurance companys who do bicycle cover, but who knows good bike specific ones?

    edit: it also doesnt have a frame number, but i guess ill have to phone them up and explain.

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    My brothers and dads are all insured under the household policy, not sure if they paid any extra, but they had to send in photos of them to be put on file. Doesn't your household policy cover items upto £1000 anyway? They only had to notify because their's cost more. I wouldn't bother insuring the cheaper bikes, probably worth insuring yours though and for £40 it isn't too bad.

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    MatG's Avatar
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    to be honest you are better off getting a seperate policy for them as household can be vauge if it gets stolen off you, or you leave it on a tail and its robbed etc.

    Not sure on the companies to use, but I would be greatfull for any info you find out I will do some digging around as well, as I need to do mine also.
    Been apart of the inner circle since 2001
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    Yeah thats what i did with the last policy. And it does cover items up to £1000 (i think) but thats no good when im out riding it really if it gets pinched/crushed.

    My dads is worth insuring as his is most likely to get nicked in terms of the amount its locked up outside shops etc. The reason im looking into bike insurance is it'll cover more eventualities than the house insurance does.

    I rarely lock mine up outside shops as im either riding it or its in the garage, and the house isurance only covers it if its locked up securely, which in technial terms, if im sitting on it - it isnt.

    Ill ring round while im at work tommorrow Mat and let you know if i find anything useful.

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    Go to WHSmith open MBUK or any other MTB press, collect the crap that falls out - there always used to one for a bike insurance firm, note down the phone number and leave with or without purchasing (i would advise the "other MTB press" option unless MBUK has drastically changed in the last year or so. My parents are with Royal and Sun Alliance who will cover my bike (£3500) for about £60 extra. Was about £250ish for a seperate policy from a specialist. Household policies won't cover racing though.

    Most of the companies i have spoken to recently only have a max of £1500 so my bikes just guna stay at my parents.

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    Cool cheers for that. And what bike you got? Get some piccies up!

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    haulme's Avatar
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    http://www.cycleguard.co.uk/ ive used them they are cheap and good
    Drives:Mazda 6 MPS- Zoom Zoom

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    Cheers, i also just spotted that in my amtes magazine so ill give em a shot.

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    When I enquired the cost to insure a bike worth £1500 was around £85-£120 a year.
    Small cost for big peace of mind.
    I used to get my bikes covered on the household policy, but my old man isnt keen to add such a high value asset to the policy.

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