Bike Insurance, who are you insured with
Discussion
I moved to Laka last year, and they've been really good, based on how easy they were to deal with and how much I've had to pay, which has almost always been less than expected. Haven't had to claim for anything but have heard only good things from those that have.
Edited to add that I've just realise I have a £25 referral code if anyone fancies signing up.
Edited to add that I've just realise I have a £25 referral code if anyone fancies signing up.
Interested in responses.
Guess home covers you for bike theft from home.
But doesn't cover:
1) Theft when away from home
2) Damage away from home e.g. hit by car, accident or pot hole
3) Medical insurance - dental, recovery
4) Travel insurance - taking bike overseas
What do people choose to cover?
Guess home covers you for bike theft from home.
But doesn't cover:
1) Theft when away from home
2) Damage away from home e.g. hit by car, accident or pot hole
3) Medical insurance - dental, recovery
4) Travel insurance - taking bike overseas
What do people choose to cover?
g7jhp said:
Interested in responses.
Guess home covers you for bike theft from home.
But doesn't cover:
1) Theft when away from home
2) Damage away from home e.g. hit by car, accident or pot hole
3) Medical insurance - dental, recovery
4) Travel insurance - taking bike overseas
What do people choose to cover?
My contents insures my bikes away from home, is new for old and a chunk cheaper than the specialist companies.Guess home covers you for bike theft from home.
But doesn't cover:
1) Theft when away from home
2) Damage away from home e.g. hit by car, accident or pot hole
3) Medical insurance - dental, recovery
4) Travel insurance - taking bike overseas
What do people choose to cover?
When my bikes were nicked a few years ago AXA were brilliant. Pay out was fast and technically I was better off because some of the bikes were bought second hand but valued as new. I’m not fussed about accidental damage because they’re MTB’s so get crashed etc.
I was covered on my house insurance when I hit a pothole, fell off and my bike was run over by a van. Not really the van drivers fault, more the muppet who floored it and undertook me at traffic lights and spooked me 
LV paid up within 3 hours, I had a £100 excess. Can't recommend them highly enough. My insurance did go up at renewal by about £150.
All I sent was the photos of the pothole and cut knees/arms, the bent bike, and the receipt for the bike.
LV paid up within 3 hours, I had a £100 excess. Can't recommend them highly enough. My insurance did go up at renewal by about £150.
All I sent was the photos of the pothole and cut knees/arms, the bent bike, and the receipt for the bike.
Best bike has a specific policy with Velosure - I renewed last month and they were the cheapest on a like-for-like basis.
Other bits are covered with a Barclays home insurance contents policy but set to bikes only. That's just under £5/month to cover all bikes with a maximum single bike value of £3000.
Other bits are covered with a Barclays home insurance contents policy but set to bikes only. That's just under £5/month to cover all bikes with a maximum single bike value of £3000.
Pedalcover for me, recently reported some cracked rims and put in a claim.
After a quick chat on the phone, most of which was spent going through options on Chain Reaction to work out the cost to replace and agreeing the cash settlement value within 10mins cleared funds for the value in my bank account.
After a quick chat on the phone, most of which was spent going through options on Chain Reaction to work out the cost to replace and agreeing the cash settlement value within 10mins cleared funds for the value in my bank account.
Also looking at this...
Bought a new road bike last week for £3350, so thought I should look at getting it insured. Pedalcover (takes you to YellowJersey?) want £17.80 per month and Bikmo £15.30 per month.
Will ring up my home insurance later to see how much it costs to put on. Although I guess there is no public liability (if you damage a car) with home insurance?
Bought a new road bike last week for £3350, so thought I should look at getting it insured. Pedalcover (takes you to YellowJersey?) want £17.80 per month and Bikmo £15.30 per month.
Will ring up my home insurance later to see how much it costs to put on. Although I guess there is no public liability (if you damage a car) with home insurance?
Chris x said:
Also looking at this...
Bought a new road bike last week for £3350, so thought I should look at getting it insured. Pedalcover (takes you to YellowJersey?) want £17.80 per month and Bikmo £15.30 per month.
Will ring up my home insurance later to see how much it costs to put on. Although I guess there is no public liability (if you damage a car) with home insurance?
iirc, if you’re looking for a stand alone bike insurance that’s where they point you, I have all my bikes insured, house contents, buildings contents all with AXA and excesses on all insurance policies with them and then it works out very competive when comparing the market (dot com)!Bought a new road bike last week for £3350, so thought I should look at getting it insured. Pedalcover (takes you to YellowJersey?) want £17.80 per month and Bikmo £15.30 per month.
Will ring up my home insurance later to see how much it costs to put on. Although I guess there is no public liability (if you damage a car) with home insurance?
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