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I know that this is recurring theme on here.
So come on good people, who do you recommend?
And why?
Pedal cover seem to be coming out favourably at the moment, and Hastings Direct are meant to be good.
AA were good for me recently, paid cash into my bank on the same day the theft occurred
Royal Sun Alliance have been very good for us. And when I say good I mean have been prompt in paying for two substantial claims for total loss and theft (my recent crash away from home was one). Our premiums are, however, not small 😯 .
John Lewis specialist cover was only half sensible premium for us.
NFU for the last couple of years covering buildings, contents and 5 bikes (non are off the shelf).
It's almost renewal time for us so we're looking around as well.
After a recommendation on here we had a quote from Pedal Cover - nearly half the price of our current M&S insurance .
Another vote for Darren @ Pedalcover
Just asked Pedal Cover for a quote. Will be interesting to see what they come back with.
How did you get on with pedal covers quote?
Pedal over seem good to me, paying less for house insurance with 10k of bike cover than I used to just for the bikes alone.
Not had to claim yet though, which is the acid test for any insurance policy. All very well being happy with a cheaper premium and comfortingly worded policy but if it's a sod getting money out of them when it all goes wrong...
I must admit, getting the cover I wants and saving over £300 does make me suspicious. How can a small company do it? Is it just making a smaller margin or is there something else going on?
Spoke to Darren at Pedal cover the other day, seems a bit too good to be true but he (they) are £80 less than our current provider (Barclays)
Tempting but as I've got a month left with Barclays I've got the time to think about it.
I'm with AA, but I can't say how good they are really as I've not claimed with them
CIS
Took a few days to get a quote from Pedal Cover, due to IT problems apparently. Anyway I got a phone call about an hour after sending a chase-up email and the quote came though an hour or so later.
Premium is very reasonable, so much so I'll probably go for it. Bikes don't have to be specified, they're just covered automatically with contents, and that includes cover away from the home too.
Can't say how good they'd be in the event thieving scumbags struck (they'd have a job though) and I had to claim, but the one time I had my bikes nicked it took two months for the old insurance to pay out, so it'd be difficult to be as bad as that.
Just taken out contents and buildings cover with £4k of bikes specified plus free legal protection and home emergency cover included with Esure - £30 cheaper than my renewal with Santander which didn't include the bikes or the "free" extras, and who had the sense not to try and undercut their own renewal quote when I rang to cancel the renewal.
The Meerkat showed AA as being cheapest overall including the bikes, but without the freebies.