I’m not yet a house owner so adding bikes to Contents isn’t a sane option.

I like the look of BikemoPlus in general, and obviously being under-insured would be silly.

However, I just asked for a quote and got £48/month or £580/py which made me pause as that’s car insurance size money. OTOH, it’s got in use cover, no quibble new-for-old, no large item exlcusions or limits (so much better than any Contents policy I’ve seen recently) even fees, £1k worth of gear and spares etc if affected and covers a car sized amount of just under £10k (new value, several bikes and up to two in use out of the house on cover at once)

How does that strike anyone? It actually sounds reasonable to me I suppose, it’s just that it’s a lot of stuff being insured properly?

What do you mean you don’t own a house so adding the bikes to contents makes no sense.

You living at home with parents/house sharing/renting?

Thats a lot I(MO. I pay less than that for contents insurance including all my bikes at any time new for old. However I believe that stand alone bike insurance is always expensive so that may not be too bad. Can you not get contents insurance for where you live?

Larry, Renting. Based on previous investigation and discussion with others, if privately renting, attempting to add anything other than family bikes to a Contents policy is likely to generate a big number or not cover very much in relation to actual replacement costs of bikes.

TJ, there’s a lot more cover here than a domestic contents policy would provide. It’s more that realistic contents quotes including 10k’s worth of bikes in a rented terrace seem thin on the ground. For reference, I’ve just run a quote with Marks and Spencer, specifying the bikes and come out with £75pcm / £890py – and that’s only covering 25k of contents, and then there’s questions about bikes bought as frame and parts, values etc. The bike insurance component of the contents quote is significantly poorer – racing excluded for example. Bikemo are happy with all of this sort of thing.

More thought needed I think, with reference to the combined contents figure. Specialist bike insurance may very well be the way forward for me I think.

How much is anyone prepared to spend on bike insurance?

I’d talk to Pedal Sure and just get a non buildings contents policy that covers the bikes. They are a brokers with bikers interests at heart and are very helpful.

Not sure who you spoke too but what a load of rubbish. Renting vs owning a property and contents inurance makes little difference.

I moved into my first house after renting for years, had the bikes covered under contents with no issues and then moving into my own property made no difference to the price or cover which from your know it alls insight should have ment it had got better or cheaper, it didnt.

As recommended above try pedal cover, I’m insuring 7k worth (comes under personal possesions) without bother or an expensive policy.

Try pedalcover, I’ve just gone from £650 for NFU to ~£350 for pedal cover. The issue I had was outbuildings cover. With almost every insurer they’ll happily take extra money off you to specify items (e.g. bikes) but if those specified items are stored in a detached garage/concrete shed at the top of the garden then they’re no longer covered as specified items, they just come under the general outbuildings limit of 50p per theft.

Insurance is fine renting. It’s only a problem if it’s a shared house.
Plenty of threads on here, Pedalcover will sort you out. £350 all in here. FWIW during my 6 months of homelessness last year I used bikmo when they first started up – helpful, cost effective and good cover. Never had to claim off them and i know no-one who has – the covers only as good as the claims handling. It’s more expensive than contents insurance though.

Oh and pedal cover fine with outbuildings.

The policy Pedalcover ‘broker’ (hardly a brokerage if you have access to one policy, albeit a good one) is one underwritten and administered by AXA. So from a claims perspective it should be fairly good.