Max cover for bike on house ins is £2500 so was looking at specific bike insurance, the replacement value of bike is around £5800 so the premium would be over £500 a year. rather a lot! and it would require me to buy gold locks and lock wheels to bike too and apparently they only insure full value up to 3 years old and thats based on the frame. Then they reduce claim to 50%
as my frame is 2009 im shit out of luck! even though the wheels to replace which are 2011 are around £2000! its a bit of a joke really. if it was knicked they would only pay 50% of insured value which would bring it down to £2900. so only £400 more than house ins, house ins costs me an extra £20 per month but if i went with specific ins it would cost £50 per month! is it really worth it to get an extra £400 for an extra £30 per month!??