Been tempting fate far too long with not having any contents insurance for all the bikes.
Me and my partner have 8 bikes between us. I've gotten a quote from Aviva for contents insurance for £35 a month which is considerably cheaper than LV at £90. Aviva simply ask for the value of the most expensive bike whereas LV asked me to name them all and value them.
I spoke to Aviva on Friday who reassured me that they would insure all the bikes based on this top value and if (god forbid) all 8 bikes got stolen from the locked house then they would pay out. Also asked about proof of purchase/ownership as some of the bikes are second hand/built from parts and the girl on the phone said they "kind of just take my word for it". Bikes also insured if they get nicked from the van as well.
Does anyone have any real world experience of having all their bikes stolen and claiming through Aviva successfully? Does anyone know if I need to increase the "increased valuable cover" to the value of all the bikes? The blurb about this mentions stuff like jewellery and coin collections so don't know if I need this for bikes but I probs would class the bikes as valuables. Can obviously call them about this tomorrow but would be good if anyone has some real world experience of these guys.
Thanks in advance for any insight!
Not bikes but I’ve just claimed on my aviva insurance as I spilt a glass of water on my laptop.
They tasked a third party to sort it out. They picked it up, assessed it and proceeded to tell me the laptop they will replace it with is an Asus from currys for £500 as they only have to replace similar specs, not the brand.
The laptop that it was replacing was an alienware which cost £2200 and less then 12 months old and nowhere near a like for like replacement.
After 5 phones calls to Aviva to complain, I’ve finally been paid the correct amount to replace my laptop. It’s taken 2 weeks, I’m just waiting for the money to be put into my account.
Aviva themselves were great to deal with but the other company they use were a bit crap.
Valuables are not bikes. Valuables is usually a defined list of "items of gold, silver, jewellery, antiques, collections of stamps or coins..."
Aviva themselves were great to deal with but the other company they use were a bit crap.
Outsourced setups often are - and the more the insured company has outsourced, often the worse they are.
Who was it, out of interest?
The company was greenbridge technology.
The guy who first called me told me I had an option to either accept the Asus laptop or they can send me vouchers for either Currys or AO.
Saying as my laptop was a 2nd gen i7 processor and had 4gb ram then I should accept it as it's a good offer.
I reminded him it was an 11th gen processor with 32gb ram and 300hz 17" screen. He just ignored what I'd told him and said that's all they can offer.
They'd basically mixed up my details with someone elses.
Anyway I'd recommend the op reads the policy wording and get confirmation through an email if he has any questions.
And to be fair to greenbank, after my complaint was escalated to Aviva, it was sorted within an hour on Friday.
I was with Aviva when I wrote off my Condor road bike - they and their bike people were excellent.
If you don't have receipts for your bikes, take lots of pics showing the bikes and what bits are on them, will save potential stress and delay down the line.
We have Aviva plus ➕️ contents insurance, no named bikes and no silly T&Cs about proof of purchase on the chain and locks.
Aviva Plus. They paid out £12k for 3 bikes taken from the garage 2 years ago. I got £6k for a 7 year old Yeti 5 alloy, based on New for Old (Yeti don't do alloy frames now and only sell the posh carbon frame for custom build). I had photos of all bikes, both sides as a record.
Can obviously call them about this tomorrow
Really, don't. 'A friend' phoned them to upgrade his insurance from the £3k to the £5k limit.... the agent was incredulous that a bike could cost that much. Cue further discussion about the other bikes in the house hold.
Followed by them refusing to insure 🙁
Seriously, unless you want to be black listed, it's not worth the risk.
Really, don’t. ‘A friend’ phoned them to upgrade his insurance from the £3k to the £5k limit…. the agent was incredulous that a bike could cost that much. Cue further discussion about the other bikes in the house hold.
Followed by them refusing to insure 🙁
Seriously, unless you want to be black listed, it’s not worth the risk.
They seemed happy to insure £17k of bikes for me, including one at £5k 🤷♂️
Luck of the draw.
I'm with QuoteMeHappy, who do the same valuation thing as Aviva. Give the top value for a bike, all bikes insured up to that amount, don't even need to specify them, unlike all the policies I've had in the past.
Just had the renewal and its... CHEAPER! That's also a new one on me! Saves confused.com-ing as per usual.
the agent was incredulous that a bike could cost that much
Probably just their way of making conversation. If you work in insurance you must encounter "incredulous" values for many many things, not just bikes
She wasn't really " making conversation" that was the conversation. It started with 'him' asking for a quote on the £5k cover and ended with him being refused cover, ( after she went off and checked with the underwriter) as the bikes were too expensive.
Simple. Insure with someone else. I've never had that problem when getting quotes off the internet.
Shock: some insurance agents are idiots.
Shock 2: Some insurance companies are shit.