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forum
Contents insurance
Hi all
Looking for some opinions on house and contents insurance, with the value of my households bikes being high and few (cough) above £1500, welcome any reccomendations on good value insurers
thanks
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9 comments
I've been using Pedal Cover for a while now. Started to get a bit pricey in the last couple of years but the bike cover is pretty comprehensive.
I added mine on to my normal home buildings/contents insurance policy with Admiral which seemed pretty competitive on price and had a reasonable policy wording - although there are still some limitations to the cover.
One word. Trustpilot.
Or is that two words pretending to be one?
I got mine insured through buildings and contents with Aviva. IIRC, they just wanted the replacement (new) value of the most expensive bike. Didn't have to list them all. Covered at home or when out (in UK), as long as it is locked up. Quote was competitive. Excess is quite high at £350, but I'm happy with that as I really do take care of my stuff, insurance is just damage limitation should the worst happen.
I insured mine with https://www.yellowjersey.co.uk/
Got a discount for being a Cycling UK member.
Better than I thought it would be, £250 for one bike, £450 for all three. still, about the same as my car insurance though. But on the basis I haven't had a bike stolen since 1995. I still think I'd be better off saving my premiums
It would probably only cover them in the house or outside the office, as I don't take a sold secure diamond lock with my on every bike ride.
I paid £120 (£170 with a £50 discount) for 2 bikes worth £1800 each. That's for the lowest level of cover.
You might be better off buying £450 worth of locks, ground anchors, alarms, etc.
Any idea on why they changed their insurance affiliate?
Are you bikes identifiable models? Mainstream Insurance companies seem to prefer that.
None of mine are, all are self-builds except my Raleigh Record Act but what am I going to get for a bike that hasn't been made for 35 years?