[Closed] (Sorry) Best home insurer for us lot...(Sorry!)

We jsut renewed and use an insurnace broker. They suggested Aviva - apparently the cost of insuring fancy bikes has gone up a lot recently and they were cheapest for what we needed.

I was happy with the claims service from Aviva when I wrote off my Condor.

Currently with esure, bikes as specified items.

HAstings Direct have been ace in recent months with bike changes etc.

Using Aviva - seem pretty reasonable, pick your highest bike price and they are all covered up to that amount.

Aviva here as well.

Cheers all... i THINK my flat might be with aviva currently...
Will get a quote for the new place...

DrP

FWIW, LV has been great for Cars, we have them for house & contents too (inc. fancy bikes) and they seem great for that too.

Note, knock on wood, no need to use them for house, but they've been fab for car.

Nationwide here - much cheaper than Aviva this year, really good bike cover, open a (free) bank account for discount (and don't use it)...

Halifax

Just been looking on GoCompare - seems to be a huge range in price even for a plain vanilla coverage. Assuming that the cheaper ones don't have a "never pay clause" in the T&Cs is there a benefit in getting a more expensive policy?

Cheap.

Good cover.

Pays claims.

Pick any two.

Nationwide for me. But I’ve been a customer for 30 years. This years premium has jumped up a lot though. But nobody covers bikes for anywhere near the same money.

I think the problem with house insurance is, we don't know which to recommend unless we've actually claimed on it. We've just completed on house purchase and went for the bronze level of Halifax, fairly good price and easy to book, we'll see if we ever need to use it though.

Just searched for this thread of this ilk rather than start a new one. We were with Barclays, has gone up £100 this year (+33%) so on the hunt.

Have just taken car insurance with Aviva so will check them out for combo deals.

Barclays have been very good in the past for me.

I would previously have recommended Pedalcover but I'm having an absolute nightmare trying to claim on my insurance at the moment. Discovered a water leak in December that caused significant damage. Submitted a claim request pretty much immediately. Still no clue whether they are actually going to pay anything. Incredibly frustrating and very poor handling of the claim. Avoid. I now need a new insurer that covers my bikes but will actually pay a claim.

Barclays here at the moment but renewal has just come through at £100 more than last year (30% increase). Will check out some of the suggestions above. Was with Pedalcover before but they stopped covering bikes in a shed (even an Askard one with better security than most garages).

Barclays = Aviva in this instance.

Halifax here, a lot of the reason is that they include items covered in the attached garage. Others seem to treat the garage the same as a shed or “outbuilding” and have restrictions on cover.

Wish you'd said that about Pedal Cover 2 weeks ago !

We've just moved to them (previous with Admiral but the changed and wouldn't cover anywhere near the total value of bikes, with a couple of full sussers, new Shand gravel bike, a reasonable road bike, + wife and daughter's bikes).

As noted above, the quality of cover can only be tested when making a claim. We were Pedal Cover but it seems to get more and more expensive for less and less cover, so i tried my local broker, saved a lot and ended up with a policy from AXA - which i think have been the underwriters of choice when M&S and subsequently Pedal Cover were favoured on here

I've just changed mid term from Admiral's top level of cover, which I specifically took out as it would cover named bikes. However when I called to notify them of a change of bike, the RRP of the bike was just outside of the value that they would cover. I could not find this value limit of £5000 in any of their documentation, and if I had known about it I would not have taken the policy out with them.

PedalCover now only seem to insure bikes to the price paid, rather than RRP, so if you manage to get a very good deal on an expensive bike which is then stolen you will struggle to replace it with something similar.

Nationwide kept me on the phone for over 30 mins speaking to different advisors whilst trying to get a quote which would cover a bike with just over £5k RRP, said that they would then call me back, but three weeks later I still haven't heard anything.

Eventually went with AA after the recommendation on this thread, with bikes insured as named items to full RRP.

I went for separate bike cover through Barclays. Cost about £50 last summer. Tell them the price of the most expensive bike up to £5k and they cover an unlimited number of bikes all up to that value. There are no onerous restrictions about sheds or lock types. The only oddity is they are not covered if stolen from in the back of a car unless out of sight in a locked boot. Not much use if you have the seats folded down to get the bike in! They are however covered if locked to a rear rack or roof bars.

I then just went for the best value standard home insurance for everything else. It saved hundreds of pounds.

Aviva Plus.

They paid out £12k for 3 bikes taken from garage.