Insurance

Simon Grant said:

Im looking into getting some cycle insurance for my new
claud butler legend (£300).Can anyone recommend a agood company to use? Was
gonna try cycle guard but heard some bad info on other sites about them so
not sure now.

Check your house contents insurance: it very possibly covers it already:
ours (M&S) covers bikes new for old up to £4K at no extra cost.

Specific cycle insurance I've always found to be ridiculously
over-priced, and not necessarily any better.

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/

Peter Clinch said:

Simon Grant said:

Im looking into getting some cycle insurance for my new
claud butler legend (£300).Can anyone recommend a agood company to use? Was
gonna try cycle guard but heard some bad info on other sites about them so
not sure now.

Check your house contents insurance: it very possibly covers it already:
ours (M&S) covers bikes new for old up to £4K at no extra cost.

Specific cycle insurance I've always found to be ridiculously
over-priced, and not necessarily any better.

What he said. My old house contents insurance used to cover bikes up
to 500 quid but they wouldn't increase the cover when I got a posh
bike. Shopping around I found separate cover was stupidly expensive
and full of exclusions. So, I switched the household policy to M&S
and found it was also half the price of what I'd been paying to the
previous company.

On Tue, 20 May 2008 08:05:39 -0700 (PDT), POHB <[email hidden]>

Quoted message said:

Peter Clinch said:

Simon Grant said:

Im looking into getting some cycle insurance for my new
claud butler legend (£300).Can anyone recommend a agood company to use? Was
gonna try cycle guard but heard some bad info on other sites about them so
not sure now.

Check your house contents insurance: it very possibly covers it already:
ours (M&S) covers bikes new for old up to £4K at no extra cost.

Specific cycle insurance I've always found to be ridiculously
over-priced, and not necessarily any better.

What he said. My old house contents insurance used to cover bikes up
to 500 quid but they wouldn't increase the cover when I got a posh
bike. Shopping around I found separate cover was stupidly expensive
and full of exclusions. So, I switched the household policy to M&S
and found it was also half the price of what I'd been paying to the
previous company.

M&S is definitely the place to go if you want decent bikes added to
your contents policy at no extra charge.

Tom Crispin said:

On Tue, 20 May 2008 08:05:39 -0700 (PDT), POHB <[email hidden]>

Quoted message said:

Peter Clinch said:

Specific cycle insurance I've always found to be ridiculously
over-priced, and not necessarily any better.

What he said. My old house contents insurance used to cover bikes up
to 500 quid but they wouldn't increase the cover when I got a posh
bike. Shopping around I found separate cover was stupidly expensive
and full of exclusions. So, I switched the household policy to M&S
and found it was also half the price of what I'd been paying to the
previous company.

M&S is definitely the place to go if you want decent bikes added to
your contents policy at no extra charge.

But don't necessarily believe that - the premium they wanted for my
buildings and contents insurance was more than what I'm actually
paying plus stupidly expensive separate insurance. I think it was
something like three direct line policies for the price of one M&S one
(though I didn't go to direct line in the end anyway).

So, while you might get recommendations here, you obviously still need
to check the quotes for yourself.

regards, Ian SMith
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Time to put in my usual plug for AA contents insurance. Covers any
bike up to £1500 each as personal possessions (better than treating it
as a bike). The Speedmachine is listed as £2000, but that didn't cost
anything more. The other 8 bikes are all covered as routine. All this
plus £45k contents insiurance for about £80 for us.
For comparison, Cycleguard want £158 for the Speedmachine alone and I
have to have it locked to an immovable object with an approved lock
even when it's in my garage. As the front door of my garage doesn't
have a 5-lever lock, I'd also have to padlock that too.
AA usually faily competitive too.
Cheers
PhilO