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My Trading Feedback | You Bring The Band
Just because you're paranoid, don't mean they're not after youAccident damage, liability, cover for clothing and accessories...and of course, if you have a claim, it won't fuck up your house insurance and they know bikes, so are less likely to piss you about on value or try to send you to Halfrauds for a replacement.
My Trading Feedback | You Bring The Band
Just because you're paranoid, don't mean they're not after youMy bike's value is quite a lot more than the cover provided by any household insurances and, as @Legionreturns said, the specialist bike insurances are far more tailored to cyclists' needs.
You've reminded me that I do need to photograph the bike to be able to show the police, here or abroad, if it did get nicked. They like a photo
Thanks also for the recommendations for Pedalcover. I'll check them out against Bikmo. The Bikmo web site is very impressive but their quote made me go a bit wobbly. I guess bikes are a high-risk item.
When I looked a while ago, a lot of insurers want you to have an approved lock, something like a sold secure gold standard.
I imagine the initial proof of purchase and I think my lock (not a sold secure one) had serial numbers, so I noted them, would be the main thing in the event of a claim.
As long as that can be proved, I dont see how anyone could prove it was locked with one if stolen! Not that thats very honest of me, but we are talking insurance here! Haha.
I now have unlimited bicycle cover and £10k cover outside the house and unlimited house contents for the same premium I paid for one bicycle with British Cycling!
That sounds interesting. I'm away at the moment but when I get home next week I'll check when my household insurance is due for renewal. It's a matter of timing as to whether a combined policy is helpful. I want to get the bike insured ASAP.
About £40 p.a. but you get some shop discounts
And membership includes legal cover/costs if you’re in an accident
As well as up to £2million third party cover if you injure someone/thing
And I think they’re ‘straining like greyhounds in the slips’ should you actually need help in an accident
(rather than looking for ways to duck out.)
in other words, great accident cover : it’s not theft cover.
However, when I asked for a quote to cover my bicycle all risks,
it was way cheaper to add it onto my home insurance policy instead.
Mine said they’d cover it but anything stored in the shed isnt covered..
I need to get bike insurance sorted too. Last time I did a quote it was £50 a year, which is for a £600 mtb.. I didnt shop around though..
Same with my present household insurance. That's where Pedalcover differs as they are more geared towards fuller cycle insurance.
BTW my quote from Bikmo was close to £150. Admittedly it covers more than bike theft but not any sort of household cover.
Thats pretty cool about pedalcover then.
If only I had my own place, I’d look into that!
Guess its off to find bike only cover haha.
Or buy another pedal... ahhhh.