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 Post subject: Cycle insurance?
PostPosted: Mon Feb 18, 2013 10:28 pm 
West Midlands AEC
West Midlands AEC
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Joined: Wed May 14, 2008 11:06 pm
Posts: 6266
Location: Stow on the Wold, Glos
Can anyone recommend a good bike insurance particular in accident damage?

After throwing a lesser value bike down the road before Christmas its started me thinking about if it was my pimp bike and the damage was unrepairable I would be buggered not been able to replace it :?

Cheers

daj


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 Post subject: Re: Cycle insurance?
PostPosted: Mon Feb 18, 2013 10:39 pm 
eBay Outing Master
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Joined: Sat Nov 21, 2009 3:53 pm
Posts: 8000
Check first if you have house insurance wether that covers your cycles


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 Post subject: Re: Cycle insurance?
PostPosted: Mon Feb 18, 2013 10:49 pm 
West Midlands AEC
West Midlands AEC
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Joined: Wed May 14, 2008 11:06 pm
Posts: 6266
Location: Stow on the Wold, Glos
sylus wrote:
Check first if you have house insurance wether that covers your cycles


Would home insurance just be theft though? I want accident damage :?


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 Post subject: Re: Cycle insurance?
PostPosted: Mon Feb 18, 2013 11:05 pm 
eBay Outing Master
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Joined: Sat Nov 21, 2009 3:53 pm
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Give them a ring and ask them those questions, always better to find out your covered ..or not..before you pay anymore


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 Post subject: Re: Cycle insurance?
PostPosted: Tue Feb 19, 2013 9:54 am 
Old School Grand Master

Joined: Tue Oct 09, 2007 1:55 pm
Posts: 8219
Location: New Forest, UK
CTC has good cycle-specific insurance - for cyclists not just £100 garage decorations.


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 Post subject: Re: Cycle insurance?
PostPosted: Tue Feb 19, 2013 10:22 am 
Retro Guru
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Joined: Sat Feb 12, 2011 6:39 pm
Posts: 1181
Location: wales
try Butterworth-Spengler insurance group, they insure a hell of a lot of the bike trade and the CTC's insurance is done through them and maybe mention about RB to see if you can wangle discount.


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 Post subject: Re: Cycle insurance?
PostPosted: Tue Feb 19, 2013 11:52 pm 
98+ Moderator
98+ Moderator
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Joined: Thu May 05, 2011 10:53 pm
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Location: Single Speeding in the Capital of the FoD,UK
I got a quote for theft only and this alone was £600 a year, would rather be covered for theft and take a chance on damage, most things can be repaired more cheaply than replaced!


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 Post subject: Re: Cycle insurance?
PostPosted: Wed Feb 20, 2013 8:07 am 
West Midlands AEC
West Midlands AEC
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Joined: Wed May 14, 2008 11:06 pm
Posts: 6266
Location: Stow on the Wold, Glos
Hmmmm I have to disagree if I trash the cervelo with new wheels like for like replacement for just frame/fork and wheels is 3.6k and all being carbon can't see any repairing being done its just going to be car door filler ? :lol:

British cycling insurance quoted £360 including European cover :? Expensive if not needed but not if the worst happens.

Hmmmmmm


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 Post subject: Re: Cycle insurance?
PostPosted: Wed Feb 20, 2013 8:35 am 
retrobike rider
retrobike rider
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Joined: Sun Feb 19, 2012 10:08 am
Posts: 6851
Location: Nth Somerset, UK
daj wrote:
Expensive if not needed but not if the worst happens.


I think that's the definition of insurance. :wink:


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 Post subject: Re: Cycle insurance?
PostPosted: Wed Feb 20, 2013 2:52 pm 
Retro Guru
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Joined: Sun Mar 14, 2010 2:33 am
Posts: 2927
Location: daaan saaaf
There's an instant quote doofer on the CTC/Butterworth insurance site: http://www.cyclecover.org.uk/quickquote.asp

It's worth playing with the bike value, for example it costs the same to cover a bike worth £290 as it does one worth £100. It's also worth a good look through the rules, exclusions, approved locks etc. or you may find your insurance is worth no more than the paper the policy is printed on when you need it most. :?

There's also a £100.00 excess, so if like me you use a cheap ~£150.00 bike for shopping and leaving locked up around town, it's really not worth it.


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