Bicycle Insurance

join the british cycling federation, they were offering cheap insurance when i was a member a
few years ago

"Daniel Auger" <[email hidden]> wrote in message
"]news:[email hidden]...

Quoted message said:

Could anybody recommend a good way to insure my bicycle?

I'm a university student so neither have a "household" insurance nor a locked building/garage in
which to keep my bike.

Last year I was insured by Endsleigh, who would cover me outside at night (if I took the saddle
off) but were quite expensive.

Can anyone recommend anything better?

--
Daniel Auger - [email hidden] (Please remove Granta to get a valid address.)

lbockhed said:

join the british cycling federation, they were offering cheap insurance when i was a member a few
years ago

Thanks for that. They do indeed. I've had a look at their website -
bcf.uk.com2002 cycins.htmlOpen ↗ - and again they seem to have a "keep it inside
overnight or else" clause.

As a student, I don't have a suitable "inside". Does anyone know any scheme that doesn't have that
requirement?

Perhaps I should have bought a Brompton! ;-)

--
Daniel Auger - [email hidden] (Please remove Granta to get a valid address.)

Daniel Auger <[email hidden]> burbled:

Quoted message said:

Could anybody recommend a good way to insure my bicycle?

get a decent lock? FWIW I've had a bike in Cambridge for 5 years now, and haven;t had anything
nicked off one, or one nicked. Unless your bike is particularly expensive or shiny, then in my
opinion, a decent lock, and locking it *to* something, will suffice.

--
Ian Cowley (Not Reverend) - Perfecting pedantry through practice

"You said he was dead!" "No, what I was: he sleeps with the fishes"

Daniel Auger said:

Could anybody recommend a good way to insure my bicycle?

I'm a university student so neither have a "household" insurance nor a locked building/garage in
which to keep my bike.

Last year I was insured by Endsleigh, who would cover me outside at night (if I took the saddle
off) but were quite expensive.

Can anyone recommend anything better?

Some locks come with insurance (not sure on the terms of bike storage overnight) - but for the cost
of a decent lock this might be a good solution? You can also try other insurers - Endsleigh have (in
my experience) always been a little pricy, and local brokers should help you to find a student
friendly insurer.
--
Reply to my first name at my surname dot org dot uk

"Daniel Auger" <[email hidden]> wrote in message
"]news:[email hidden]...

Quoted message said:

Could anybody recommend a good way to insure my bicycle?

I'm a university student so neither have a "household" insurance nor a locked building/garage in
which to keep my bike.

Sometimes you can wangle it being covered under parents household insurance. Careful reading of
small print can save your wallet.

T

Daniel Auger said:

lbockhed said:

join the british cycling federation, they were offering cheap insurance when i was a member a few
years ago

Thanks for that. They do indeed. I've had a look at their website -
bcf.uk.com2002 cycins.htmlOpen ↗ - and again they seem to have a "keep it inside
overnight or else" clause.

As a student, I don't have a suitable "inside". Does anyone know any scheme that doesn't have that
requirement?

Can you not get it into your bedroom? That's what I did when I was at uni, only moving it out when
there was a hall inspection.
--
"We take these risks, not to escape from life, but to prevent life escaping from us." ***** replace
'spam' with 'ben' to reply *****

Daniel Auger said:

lbockhed said:

join the british cycling federation, they were offering cheap insurance when i was a member a few
years ago

Thanks for that. They do indeed. I've had a look at their website -
bcf.uk.com2002 cycins.htmlOpen ↗ - and again they seem to have a "keep it inside
overnight or else" clause.

As a student, I don't have a suitable "inside". Does anyone know any scheme that doesn't have that
requirement?

Would a locked and fenced cycle compound (such as the ones many colleges have) not count as this?
Might be worth asking.

Alternatively, if you can afford to replace it, you could always insure it yourself. ie. Just
pay the money you would have for the insurance premiums into a bank account, and then use that
to replace bits when they get stolen. If you're careful with the bike you may even end up with
a surplus.

Kieran

Daniel Auger said:

Could anybody recommend a good way to insure my bicycle?

Saxon Insurance saxoninsurance.comsaxoninsurance.comOpen ↗ do a "Student Shield Plus" policy, which you qualify
for if you're a "Young Professional", whatever one of those is.

It costs 30 pounds extra to insure your bike under this policy. I don't know how that compares to
Endsleigh. Mind you, you could probably buy a new bike every two years for that.

Jeremy

Quoted message said:

Last year I was insured by Endsleigh, who would cover me outside at night (if I took the saddle
off) but were quite expensive.

Where did you wear the saddle when you were inside during the day? I occasionally wear mine on my
head but it can get a little sweaty during summer.

Alex Veitch said:

Daniel Auger said:

Could anybody recommend a good way to insure my bicycle?

I'm a university student so neither have a "household" insurance nor a locked building/garage in
which to keep my bike.

Last year I was insured by Endsleigh, who would cover me outside at night (if I took the saddle
off) but were quite expensive.

Can anyone recommend anything better?

Some locks come with insurance (not sure on the terms of bike storage overnight) - but for the
cost of a decent lock this might be a good solution?

That could we worthwhile. Do you have any idea which makes?

--
Daniel Auger - [email hidden] (Please remove Granta to get a valid address.)

Jeremy Sanders said:

Daniel Auger said:

Could anybody recommend a good way to insure my bicycle?

Saxon Insurance saxoninsurance.comsaxoninsurance.comOpen ↗ do a "Student Shield Plus" policy, which you
qualify for if you're a "Young Professional", whatever one of those is.

It costs 30 pounds extra to insure your bike under this policy. I don't know how that compares to
Endsleigh. Mind you, you could probably buy a new bike every two years for that.

I think I was paying about sixty pounds a year including third-party insurance. My accommodation
will be university-owned so for all-UK cover
- which I think I will need - I would be paying fifty pounds. Having said that, the possessions
insurance looks remarkably cheap! :-)

--
Daniel Auger - [email hidden] (Please remove Granta to get a valid address.)

Daniel Auger said:

Alex Veitch said:

Daniel Auger said:

Could anybody recommend a good way to insure my bicycle?

I'm a university student so neither have a "household" insurance nor a locked building/garage in
which to keep my bike.

Last year I was insured by Endsleigh, who would cover me outside at night (if I took the saddle
off) but were quite expensive.

Can anyone recommend anything better?

Some locks come with insurance (not sure on the terms of bike storage overnight) - but for the
cost of a decent lock this might be a good solution?

That could we worthwhile. Do you have any idea which makes?

Off hand I don't sorry. I saw some in this shop but I can't get up there at the moment. Their number
is on the site though, so give them a call? They might even do mail order, but even if not, should
be able to let you know of the appropriate range.

langsettcycles.co.uklangsettcycles.co.ukOpen ↗

--
Reply to my first name at my surname dot org dot uk

Quoted post said:

Originally posted by Alex Veitch

BOn Tue said:

Alex Veitch said:

Daniel Auger said:

Could anybody recommend a good way to insure my bicycle?

I'm a university student so neither have a "household" insurance nor a locked building/garage in
which to keep my bike.

Last year I was insured by Endsleigh, who would cover me outside at night (if I took the saddle
off) but were quite expensive.

Can anyone recommend anything better?

Some locks come with insurance (not sure on the terms of bike storage overnight) - but for the
cost of a decent lock this might be a good solution?

That could we worthwhile. Do you have any idea which makes?

Off hand I don't sorry. I saw some in this shop but I can't get up there at the moment. Their number
is on the site though, so give them a call? They might even do mail order, but even if not, should
be able to let you know of the appropriate range.

langsettcycles.co.uklangsettcycles.co.ukOpen ↗

--
Reply to my first name at my surname dot org dot uk [/B]

Kryptonite New York range seem to be about the best. Alternatively you may want to use a motorbike lock at home as they tend to be rather larger and more substantial than bike locks (and cheaper for what you get) as they aren;'t designed to be carried (typical value of bike<1000dbp motorbike >1000dbp)

Bryan

Daniel Auger email hidden in said:

That could we worthwhile. Do you have any idea which makes?

Oxford do a scheme like this, but read the small print. IIRC you had to prove that the lock was at
fault by retaining the broken product to show them.
--
Two fish suddenly swim into a brick wall. Damn! To reply put only the word "richard" before
the @ sign

Bryan said:

Kryptonite New York range seem to be about the best.

...according to their advertising.

Going by the published tests, there are several locks that are as effective, and often
cheaper to boot.
--
Mark South: Citizen of the World, Denizen of the Net "I wonder why so many Finnish traditions are
related with booze?"
- Juha Sakkinen

Daniel Auger <[email hidden]> wrote:

: As a student, I don't have a suitable "inside". Does anyone know any scheme that doesn't have that
: requirement?

To be blunt, you'll never get any worthwhile insurance that will cover a bike kept in the open
overnight.

So, if you have a nice expensive bike, keep it in your room or if you have a cheap one, buy a big
lock and lock it to something very, very solid.

Arthur

--
Arthur Clune clune.orgclune.orgOpen ↗ Power is delightful. Absolute power is absolutely delightful -
Lord Lester

Arthur Clune said:

So, if you have a nice expensive bike, keep it in your room or if you have a cheap one, buy a big
lock and lock it to something very, very solid.

Sound advice, to which I'll add a suggestion of running a merely adequate old hack bike in lieu of a
really nice one if security isn't easy to resolve, and/or looking into folders where the storage
inside is less of an issue (a Brompton can sit in a cupboard quite easily, for example).

Also, when locking to very solid things outside, don't forget to remove easily thievable bits when
you go in. If the bike has quick release wheels don't forget to secure both. QR seatpin, out with
the saddle, if it's a nice saddle then maybe put a QR on it so it's easy to take with you.

Pete.
--
Peter Clinch University of Dundee Tel 44 1382 660111 ext. 33637 Medical Physics, Ninewells Hospital
Fax 44 1382 640177 Dundee DD1 9SY Scotland UK net [email hidden]
dundee.ac.uk~pjclinchOpen ↗

JusUK said:

M N Tal said:

Quoted message said:

Last year I was insured by Endsleigh, who would cover me outside at night (if I took the saddle
off) but were quite expensive.

Where did you wear the saddle when you were inside during the day? I occasionally wear mine on
my head but it can get a little sweaty during summer.

Endsleigh do special deals for NUS members.

Thanks. I don't think they do any longer since NUS don't own them anymore.

--
Daniel Auger - [email hidden] (Please remove Granta to get a valid address.)

M N Tal said:

Quoted message said:

Last year I was insured by Endsleigh, who would cover me outside at night (if I took the saddle
off) but were quite expensive.

Where did you wear the saddle when you were inside during the day? I occasionally wear mine on my
head but it can get a little sweaty during summer.

Endsleigh do special deals for NUS members.