[Closed] Will ANYBODY cover my bikes on Home Insurance?? Having a Nightmare 🙁

I went with NFU as they covered the bikes - listed individually. Covered for full value and away from home as long as they are locked to something.

Not the cheapest but the most comprehensive cover.

I just added ours onto the M&S policy, had to specify each one which is OK by me, cost me an extra £85 for 6 bikes worth in between 2K and 3.5K each, didn't think that was too bad......

NFU for me after M&S changed their bike cover.

Another vote for NFU.

I'm told that "outbuilding" was a garage that has no communicating door with the main house - ask 'em that

AA here and covered for full value on named and any others up to £1.5k each

AA here and covered for full value on named and any others up to £1.5k each

3k limit on outbuildings (including sheds/garages) though.

OP: Have you done a new business quote with M&S? No limits then.

They're underwritten by Axa, try them too?

Direct Line look to be pretty good - they cover the bikes whilst at home, and I can't see any obvious limits. Worth checking though.

Esure and AA both accept additional named bikes at a cost. I am using Esure - but I didn't check if it was new for old.

AA recommend you call them - I did and it's surprising what is and isn't covered when they explain it properly to you.
Direct Line were prohibitively expensive as were M&S.

Did AA explicitly say that if you specify items they are above the £3k limit on garages? Pointless exercise otherwise.

We have never had any bother at all. Our home insurance/contents is about £250 a year with Aviva. We have shed cover (we have kayaks and cheap bikes in there) and we have additional bike cover on the policy as well as away from the home.

They are fine, we even had a bike stolen from our car a few year ago and they paid up fine. Husbands Bikes are £2k's worth too each. We did find when shopping around for quotes that shed cover was often too low for the kayaks, hence Aviva had a big enough standard cover. Bikes are kept in house, but the cover we have means they would be covered anywhere in UK.

Our policy is New for Old

Green Insurance company

Direct Line here.

Here's the best solution - get your priorities straight and keep the bikes where they belong: the house.

I went through all this tosh last year
http://singletrackmag.com/forum/topic/home-insurance-renewal-time-sorry-where-for-a-3k-bike
More Than ticked my boxes but that was last year so check the small print for your specific needs...

Hiscox quoted me a reasonable amount for extending the limit on outbuildings cover (my garage is attached but no direct access).

(didn't actually take them up on it as the cost for naming expensive bikes for away from home cover was pricey)

A stream is the problem and I share your pain!

I contacted loads of companies and the only insurance cover I could get had a premium of £1,200. 😯

I was with Green Insurarance until very recently but they took my house move as a chance to put me onto their new policy and that wouldn't cover my bikes. Ended up with NFU. I also tried Hiscox but they were even more expensive

njee20 - Member
Did AA explicitly say that if you specify items they are above the £3k limit on garages? Pointless exercise otherwise

YES - you put what it is and it's value in the box asking for it and it gets added as a specified item
They class them as "valuables" which is what they are.
"other bikes" come under the £1.5k individual item limit.

To put into context - my cube is covered at £2350, my Giant roadie is covered as it's valued at £800 so under £1.5k, my Spec roadie is covered as the giant and the kids bikes are to.
Only requisite is that they are locked inside the garage.
Covered away from home too.
That's why they tell you to call them as they explain it in layman's terms to you

Direct Line here, anything above £1k they name on the policy. Charges seem reasonable too

Just renewed today with Allianz, seem very flexible, free phone number if you want to quiz them.

Try Home and Legacy

our bikes are named and valued on policy but no extra charge

NFU offer the most comprehensive cover I thought

More Than here - to a value of £4k on one bike. Covered away from home too - even if I lean it up outside the shop iirc

Read the small print in the documents... Friend has her bike stolen from inside her locked car parked on her drive. They are refusing to pay out because the back seats were down and the parcel shelf wasnt in place.

It was lying in the back covered in a blanket. they put the back window through to get it out.

But the Insurance are refusing to pay out because basically it wasnt locked in the boot, seats up and parcel shelf not hiding it. Just saying, as its in the small - very small print.

Switched from M&S to Aviva last night. Sheila's Wheels didn't want to insure me due to flood risk I guess even though I've never been flooded in over 20 years (there is a lake about 30m from my house).

Aviva were over £200 cheaper than M&S and have good bike cover.

I've never paid extra on my home insurance to specifically cover bikes. If my bikes are stolen, no one will pay out, there will be no arguments, no small print, no "why pay a premium to get all this grief?" I have big, decent locks, plenty of them and the bikes are kept somewhere innocuous. Sure, if someone gets past the locks, I lose. The responsibility for this approach to my bikes security is mine alone. I haven't lost one yet (jinxed now!)and am now at a stage where money saved in premiums over the last 30 years of adult bike ownership would more than fund replacements. Not saying I'm right and insuring is wrong, just offering an alternative ideology.

Royal Sun Alliance

i'm actually not really insured as all my bikes are kept in the garage (integrated into my detached house). I've learned today that even if the garage is integrated it still counts as an 'Outbuilding' and the maximum claim for theft from an out building varies from £2.5k-£5k

If you have an internal door, it is a room. I had no issues when I made a claim with RSA. And it was a big one, sadly. Paying for it now in premiums though!

[quote=downshep ]I've never paid extra on my home insurance to specifically cover bikes. If my bikes are stolen, no one will pay out, there will be no arguments, no small print, no "why pay a premium to get all this grief?" I have big, decent locks, plenty of them and the bikes are kept somewhere innocuous. Sure, if someone gets past the locks, I lose. The responsibility for this approach to my bikes security is mine alone. I haven't lost one yet (jinxed now!)and am now at a stage where money saved in premiums over the last 30 years of adult bike ownership would more than fund replacements. Not saying I'm right and insuring is wrong, just offering an alternative ideology.
It's a valid option and you're right to weigh up the annual cost against the probability and value of any loss. FWIW, my insurance also covers the bikes away from home where they are often less under my immediate control.

Direct line cover up to 1k per bike away from home as standard (can be increased to 2k for extra) and up to contents limit of 50k within the home. Read the policy didn't see a garage exclusion but worth asking.

its a risk thing
Basically I can afford my insurance - which i have to have anyway due to the mortgage and contents adds £100 to the basic repair the building stuff
I cannot afford to replace all my bikes in one go if stolen.

Home Protect

Just switched to Home Protect from M&S, because of the new M&S terms.
About £100 cheaper with multiple bikes (one high value declared).

Sainsburys, £21 a month contents, Rebuild and bike cover! Changed bike recently from 2.5 k to 4.2k cover value and premium went up by 13p a year. Cover bikes in shed too if needed.

Admiral Platinum here. Better cover than the AA for less.

Was with the AA for last 4 years but they changed their T&C's for this year which caused me issues (not specifically for the bikes) although they also started to get funny about number of bikes and their value, total contents worth etc. Never claimed a penny from them the whole time we've been insured either.

American Express sorted me out, cheaper than the AA from last year. Website had some wording around bikes but wasnt that clear, rang them up, guy on the phone couldnt have been more helpful. Explained about them being in a shed, secured with locks and alarms etc and he said that was fine, as long as a reasonable attempt was made to secure them.

John Lewis here, yes I had to specify the bikes but the additional premium charged was very reasonable to make sure several of my most valuable possessions are properly insured.

Is the OPS question actually "will anybody cover my bikes on my home insurance [b]free of charge[/b]

Speak to an insurance broker, they'll be able to find full cover for you. Companies like Sterling will cover worldwide all risks & will cover multiple bikes without them being specified.

Direct Line SELECT - NOT DIRECT LINE

minimum contents of 100K, but bikes are just possessions with no special conditions, and no need to declare them individually.

Oh, and they price matched M&S for me 🙂

Dave

yourcoverinsurance / Allianz were by far the best option for me. Give them a try.

Direct line cover up to 1k per bike away from home as standard (can be increased to 2k for extra) and up to contents limit of 50k within the home. Read the policy didn't see a garage exclusion but worth asking.

I checked this with Direct Line when I renewed my quote as I keep my bikes in a shed at the bottom of the garden. The lady on the phone was adamant that they were covered up to my contents limit while they where at home, which included outbuildings. The exception was if they were just lying around the garden in which case it was the same £1K limit as when they were away from the home.

Mind you, that was just a verbal assurance. I don't have it in writing and haven't had to claim yet, so who knows.