Insurance?

"Steve Hodgson" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

Sorry for asking a question that probably comes up a lot.

Is there a recommended insurer for bikes that u.r.c people favour?

The first port of call is to check your existing insurance policy if you
have a household contents policy. Check the detailed wording of the policy.
It may be your bike is already covered. Also check for stuff such as maximum
value, whether it's insured away from home, locking requirements (it may
specify a particular kind of lock and what it can (or cannot) be locked to
for it to be covered by the insurance.

Cheers, helen s

On 05/10/2006 17:52, Steve Hodgson said,

Quoted message said:

Sorry for asking a question that probably comes up a lot.

Is there a recommended insurer for bikes that u.r.c people favour?

You could try the CTC. http://www.ctc.org.uk/

--
Paul Boyd
http://www.paul-boyd.co.uk/

Steve Hodgson said:

Sorry for asking a question that probably comes up a lot.

Is there a recommended insurer for bikes that u.r.c people favour?

Hiscox and M&S home insurance both have relatively high standard
per-bike limits. It may be cheaper to switch to them than pay a (say)
£70-100 bike-specific policy if you buy home + contents cover.

(Hiscox has a pretty high £250ish excess, Ive not looked in to the M&S one).

Steve Hodgson said:

Sorry for asking a question that probably comes up a lot.

Is there a recommended insurer for bikes that u.r.c people favour?

Our house contents insurance is arranged through Headley Insurance
Services
William Curtis House, Lenten Street, Alton, GU34 1HH
Tel: 01420 594242
http://www.headleyinsurance.co.uk/

We found them through the Tandem Club several years back, when they were
'Fern'. They specialise in cycles amongst other things.

They cover us for House Contents (presently they arrange it through
Norwich Union). We have 8 bikes individually specified on the policy
including 5 which are four-figure sums.
Our buildings insurance is elsewhere.

We have found them to be excellent, as they understand cycles.
They have moved us around a little dependent on which Insurance Company
gives the best service and cover, for example we have previously been
insured through Zurich and AXA, but all our dealings are through
Headley. I also prefer phoning someone in Alton than someone in India
should I ever have a query!

I also know that if we insured my Trice recumbent through the CTC we
would have to pay more for that one single machine in premiums than we
pay for ALL our contents and ALL our bikes through Headley!

Of course I suppose I should point out that I've got no connections with
them whatsoever! I'm just a satisfied customer :-)

John B

"John B" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

Steve Hodgson said:

Sorry for asking a question that probably comes up a lot.

Is there a recommended insurer for bikes that u.r.c people favour?

Our house contents insurance is arranged through Headley Insurance
Services
William Curtis House, Lenten Street, Alton, GU34 1HH
Tel: 01420 594242
http://www.headleyinsurance.co.uk/

We found them through the Tandem Club several years back, when they were
'Fern'. They specialise in cycles amongst other things.

They cover us for House Contents (presently they arrange it through
Norwich Union). We have 8 bikes individually specified on the policy
including 5 which are four-figure sums.
Our buildings insurance is elsewhere.

We have found them to be excellent, as they understand cycles.
They have moved us around a little dependent on which Insurance Company
gives the best service and cover, for example we have previously been
insured through Zurich and AXA, but all our dealings are through
Headley. I also prefer phoning someone in Alton than someone in India
should I ever have a query!

I also know that if we insured my Trice recumbent through the CTC we
would have to pay more for that one single machine in premiums than we
pay for ALL our contents and ALL our bikes through Headley!

Of course I suppose I should point out that I've got no connections with
them whatsoever! I'm just a satisfied customer :-)

John B

I am also a very satisfied customer with CTC Cycle insurance.

I insure through CTC and am very happy with a new for old and a very
extensive travel cover policy which lets me secure my bike to a "tree" while
travelling. It also doesn't penalise you after making a claim next time you
come to renew -- + a no claims benefit as well.

If you are doing it on your household policy be sure that it is covered to
the full value of the bike and when you are actually out riding the beast!
Many household polices are very limiting when you actually come to use your
bike.

Trevor A Panther
In South Yorkshire,
England, United Kingdom.
www.tapan.pwp.blueyonder.co.uk

Pinky said:

"John B" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

Steve Hodgson said:

Sorry for asking a question that probably comes up a lot.

Is there a recommended insurer for bikes that u.r.c people favour?

Our house contents insurance is arranged through Headley Insurance
Services
William Curtis House, Lenten Street, Alton, GU34 1HH
Tel: 01420 594242
http://www.headleyinsurance.co.uk/

We found them through the Tandem Club several years back, when they were
'Fern'. They specialise in cycles amongst other things.

<snip>

Quoted message said:

I also know that if we insured my Trice recumbent through the CTC we
would have to pay more for that one single machine in premiums than we
pay for ALL our contents and ALL our bikes through Headley!

Of course I suppose I should point out that I've got no connections with
them whatsoever! I'm just a satisfied customer :-)

John B

I am also a very satisfied customer with CTC Cycle insurance.

I insure through CTC and am very happy with a new for old and a very
extensive travel cover policy which lets me secure my bike to a "tree" while
travelling. It also doesn't penalise you after making a claim next time you
come to renew -- + a no claims benefit as well.

If you are doing it on your household policy be sure that it is covered to
the full value of the bike and when you are actually out riding the beast!
Many household polices are very limiting when you actually come to use your
bike.

Yep. My new for old and low excess covers all that.
You are right to highlight some of the limitations of some policies, hence the
need to deal with a company that 'understands' cycling.
The CTC insurance was just way overpriced especially when looking at owning
multiple machines of considerable value.

John b

John B said:

The CTC insurance was just way overpriced especially when looking at owning
multiple machines of considerable value.

I insure all our bikes (more than 7 including one valued at £2000) as
personal possessions (so insured anywhere) and insure £50k worth of
house contents for less than the cost of insuring my one best bike with
the CTC. I'm with the AA. Any number of cycles covered up to £1500
each at no extra cost on your house contents.

PhilO

John B said:

Yep. My new for old and low excess covers all that.
You are right to highlight some of the limitations of some policies, hence the
need to deal with a company that 'understands' cycling.
The CTC insurance was just way overpriced especially when looking at owning
multiple machines of considerable value.

Yup. For our two tourers, my folder and the freight bike (but *not*
including my MTB, Roos' commuter bike or old Audax bike) it coise as
much for 1 year of CTC Cyclecover as the entire rest of our house
contents insurance.

Insanely expensive, even with a few useful caveats included in the
policy. But the M&S contents we have now seems to be pretty good as far
as caveats goes, and doesn't have some of the really, really dopey ones
that CTC Cyclecover does. If Roos parked her Cyclecover insured bike in
the locked shed at Uni of Dundee life sciences and further locked it to
the permanent internal fixtures with 5 Sold Secure Locks it would /not
be covered/ because college campuses aren't, but if she locked it to a
lamppost down the road in the sort of place that might invite unwanted
attetion it would be. Duh.
Another stupidity is that no account is taken of the machine type beyond
is it a tandem or not. It costs the same to insure a £1,200 freight
bike that sticks out like a sore thumb and is of limited desirability to
thieves as it does to insure a £1,200 Cannondale mountain bike that
might as well have "steal me!" neon signs.

We voted with our feet: it costs far too much for what you het IMHO.

Pete.
--
Peter Clinch Medical Physics IT Officer
Tel 44 1382 660111 ext. 33637 Univ. of Dundee, Ninewells Hospital
Fax 44 1382 640177 Dundee DD1 9SY Scotland UK
net [email hidden] http://www.dundee.ac.uk/~pjclinch/

Steve Hodgson said:

Sorry for asking a question that probably comes up a lot.

Is there a recommended insurer for bikes that u.r.c people favour?

I changed to M&S after asking the same question here.

4,000 per bike, no limit, new for old.
(and the same for all your other posessions...)

http://groups.google.com/group/uk.rec.cycling/browse_frm/thread/fe4f944fb88f02f6/ce43f42093180bc0?lnk=st&q=bugbear+insurance+group%3Auk.rec.cycling&rnum=1&hl=en#ce43f42093180bc0

BugBeaqr

Quoting Paul Boyd <[email hidden]>:

Quoted message said:

On 05/10/2006 17:52, Steve Hodgson said,

Quoted message said:

Sorry for asking a question that probably comes up a lot.
Is there a recommended insurer for bikes that u.r.c people favour?

You could try the CTC. http://www.ctc.org.uk/

Last time I looked at them they wanted lots of unlikely details like the
exact original purchase price of a bicycle then ten years old and
extensively modified since.
--
David Damerell <[email hidden]> flcl?
Today is Second Brieday, September.