• This topic has 14 replies, 13 voices, and was last updated 8 years ago by bails.
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  • Contents insurance that covers bikes locked in car
  • timidwheeler
    Free Member

    I know we do insurance questions all the time, but I am having problems finding a company that will insure a couple of expensive bikes secured inside a car.

    Can anyone offer any suggestions?

    Cheers for any help

    Daffy
    Full Member

    Admiral Platinum covers you for theft from inside a vehicle providing it’s locked to the car itself. I do this with a cable lock through the rear seat anchors.

    wrecker
    Free Member

    Tried pedalcover?

    firestarter
    Free Member

    Pedalcover does iirc

    fudge9202
    Free Member

    Insured my Salsa Spearfish 29er for 11 quid a month with Assetsure Cycle Insurance.

    fatgit
    Free Member

    Hi
    I have mine through NFU and they do.
    Also from the garden even if unlocked
    Cheers
    Steve

    MrSmith
    Free Member

    Insured my Salsa Spearfish 29er for 11 quid a month with Assetsure Cycle Insurance

    £240 for 4 bikes (from £1.2k-£4.5k) plus house contents in SE London with insured excess so effectively no excess plus replacements from any bike shop of your choosing. This with pedalcover
    Makes insuring bikes individually look very expensive.

    matt_outandabout
    Full Member

    John Lewis Soecialist. This costs little more than normal John Lewis, but includes great cover for bikes, gear and canoes – including in or on vehicles.

    timidwheeler
    Free Member

    Cheers all. PedalCover look to offer what we want. With a number of expensive bikes there is no point in individual cover. I didn’t have time to check the NFU site but will next time. Admiral only covered up to £2400 per bike and had issues understanding custom builds.

    tomd
    Free Member

    My old Barlclays policy did and I’m pretty sure my current Aviva one does so long as you’re not being daft.

    timidwheeler
    Free Member

    Define daft?
    Twice a year we need to drive to the alps with bikes in the car. Is a formula 1 car park considered daft?
    We will pay the extra so we don’t have to debate things should we need to claim.

    iain1775
    Free Member

    Pedalcover here
    Have just claimed (it’s underwritten by AXA) not for a bike but a water damaged iphone
    They paid out in full (minus excess) and money in my bank account within hours of me providing only the IMEI number of the phone, no hassle at all so assuming the process is as easy for a bike loss I could only recommend them
    My policy is up for renewal in January, hopefully the premium won’t increase much, if it doesn’t I will happily renew

    I looked at NFU as well but they where slightly more expensive than Pedalcover and coverage was a little less all encompassing

    jackal
    Free Member

    Tomd, AVIVA doesn’t, I’m sure they used to but I asked that specific question on renewal this year. They told me if it’s not in the house/garage then it has to be locked to an immovable object, of which they said a car/van isn’t one, strange logic…. I’d give em a bell and check if I were you.

    easygirl
    Full Member

    Just got a quote from pedalcover

    £250 a year cheaper than my m&s, which only covered bikes to £2k

    Pedalcover covers all bikes I own, without specifying any make or model, covered away from home worldwide, including accidental damage, I can pick my own bike shop for replacement, custom builds no problem

    Sounds too good to be true

    bails
    Full Member

    hey told me if it’s not in the house/garage then it has to be locked to an immovable object, of which they said a car/van isn’t one,

    Yeah, it’s odd. Locked with a sold secure ‘gold’ chain to the inside of my double locked, alarmed, immobilised car? Not covered. Locked to a lamppost in the roughest part of a town of your choice with a wimpy no name cable lock? Covered.

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