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Just about to move into my first house an need to sort out insurance. I've had a look through loads of old threads and pedal cover are mentioned a lot. I've used go compare and Esure came out the cheapest at £242, unfortunately Pedal Cover was just under £400.
Anyone got any experience with Esure, anyone made a claim and I guess most importantly how's the cover for bikes?
Quote me happy was £288 and AA was £305.
Cheers
Callum
Try Aviva directly and not via a price comparison site. Pedal Cover used to be the best but they use Axa who have changed some of their terms so some building types are excluded. IIRC Pedal Cover were the only ones who covered bikes in vehicles and not locked to something immovable. I don't know if that is the case now.
I am with esure and like them although you will have to add expensive bikes on extra.cheaper bikes are covered on the std insurance
I am with esure and like them although you will have to add expensive bikes on extra.cheaper bikes are covered on the std insurance
Yeah its shot up £75 once I added the bikes separately.
With Aviva you only list the value of the most expensive bike. No need to say what it is or submit a list. Ideal if you regularly swap things around during the year.
With Aviva you only list the value of the most expensive bike. No need to say what it is or submit a list. Ideal if you regularly swap things around during the year.
I'll give them a go now. Cheers.
Personal experience only but when I needed to claim for an escape of water claim they were utter shite. Dreadful claims handling process after FNOL (that was the best part). Had to fight tooth and nail to get a reasonable settlement. Created huge stress and whilst they messed us around we had a kitchen we effectively couldn't use. Personally I will avoid in the future. I was disappointed as in the past they were excellent for my car insurance.
As soon as I select my bike is worth over £5k they quote stops and is rejected with aviva?
I switched to Esure this year, they worked out cheaper than Aviva, though Aviva were great with my claim when I wrote off my Condor frame.
Be wary of Ts and Cs from the large insurers, they've limited their liability for expensive bike claims by having several requirements and limits, my old aviva had limitations such as overall claim limit for items in the garage, bikes having to be locked to 'immovable' objects and so on. You will also find your away from home cover very limited and so on, if you do bike holidays and so on it may be worth looking at bespoke insurance from a specialist.
yes, moved to e-sure this year as pedal cover limited the value of bikes in outbuildings to £5K. if you list your bikes a specified items with e-sure it should give you the cover you need for the bikes in most situations. no experience of what they are like with claims, but as many insurers outsource the claims handling to 3rd parties not many stand out as good these days
^ this. It's a ridiculous search every year. M&S used to be the ones, then Pedalcover. Bespoke bike insurance will be expensive, but if you can't get the house cover you need, then maybe using the cheapest that covers you and adding on trip insurance for out of home stuff.
We are with Aviva as they were the best of the bunch for us now. But we may need top-up trip cover when stuff starts up again and we travel more.
We are and as the op says good value especially with a huge value for bikes. Fortunately we haven’t had to make a claim so no idea what they are like when you really need them
What @Yak said - I found in the past two years that the best thing to do was just get very generic, normal home insurance (comparethemeerkat etc) and then pay for a very comprehensive policy for my bikes - I use Bikmo. Yes, it is expensive, and no, I havent had to claim yet, however the level of cover is far, far more comprehensive than any hom/contents policy I found, covers many many situations, I can chop and change my kit and equipment, new for old, away from home, accidental damage, cover while racing, abroad or on holiday etc etc etc.
I reckon if you've got more than a couple of grand to lose and a few bikes, its probably worth the extra for a dedicated policy.
Bikemo quoted £67.97 /mnth!!!
Once I got most of them to cover the value of the bikes etc Pedal cover looked a lot better so I went with them after a chat with Hugh. A few were maybe £50 cheaper but a quick look at trust pilot is off putting, whereas Pedal Cover come well recommended everywhere.