Hello,
is it worth getting a seperate insurance policy for your bike, or sticking it on the house insurance?
Don't know what the cost difference is, and if it's easier to claim for a nicked bike (fingers crossed this won't happen, but it is the point of insurance)on a bike specific policy?
Any experience/advice?
specific bike policies are expensive - IIRC about 10% of the value a year.
Mine are with M&S insurance with my contents insurance - all risks worldwide plus contents single item £4000 for £250 a year
Cover with E&L insurance costs me ~£260 pa for £4500 worth of bike (2x£1000, 1x£2500). This was cheapest standalone quote I could find. Most were £400+, one or two closer to £1000. I didn't go with M&S simply because my contents wasn't up for renewal; I may do so when it is (E&L is on a lunar monthly policy)
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