American Express sorted me out, cheaper than the AA from last year. Website had some wording around bikes but wasnt that clear, rang them up, guy on the phone couldnt have been more helpful. Explained about them being in a shed, secured with locks and alarms etc and he said that was fine, as long as a reasonable attempt was made to secure them.
Will ANYBODY cover my bikes on Home Insurance?? Having a Nightmare :-(
John Lewis here, yes I had to specify the bikes but the additional premium charged was very reasonable to make sure several of my most valuable possessions are properly insured.
Is the OPS question actually "will anybody cover my bikes on my home insurance free of charge
Speak to an insurance broker, they'll be able to find full cover for you. Companies like Sterling will cover worldwide all risks & will cover multiple bikes without them being specified.
Direct Line SELECT - NOT DIRECT LINE
minimum contents of 100K, but bikes are just possessions with no special conditions, and no need to declare them individually.
Oh, and they price matched M&S for me
yourcoverinsurance / Allianz were by far the best option for me. Give them a try.
Direct line cover up to 1k per bike away from home as standard (can be increased to 2k for extra) and up to contents limit of 50k within the home. Read the policy didn't see a garage exclusion but worth asking.
I checked this with Direct Line when I renewed my quote as I keep my bikes in a shed at the bottom of the garden. The lady on the phone was adamant that they were covered up to my contents limit while they where at home, which included outbuildings. The exception was if they were just lying around the garden in which case it was the same £1K limit as when they were away from the home.
Mind you, that was just a verbal assurance. I don't have it in writing and haven't had to claim yet, so who knows.
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