I currently have my bikes insured on my house insurance but what about out and about? I'm also concerned about public liability insurance just on the off chance that someone wants to take me down for the damage caused to their car by them driving into me or something like that.
Where can you get insurance for your bikes out and about that also have public liability cover? Protectyourbubble quoted me something like £20/m for my two £1200 bikes which seems a bit steep to me.
Where can you get insurance for your bikes out and about that also have public liability cover?
Home insurance. Check your current policy - it almost certainly covers you for public liability when bike riding. M&S contents cover includes cover for bikes when out and about.
The cheapest way will be to ensure you have specified, all risks cover for your bikes when away from your home via your existing home Insurer.
Going for a bike specific policy always hikes the price, you are seen as a better "risk" when you lump your bike in with your home contents.
A contents policy has occupiers liability cover which would provide adequate cover to defend any action brought against you by a third party, might be worth also having Legal Expenses cover added to your policy to give you the right to pursue the driver who knocks you off! rather than worry about them pursuing you in this possible eventuality.
I currently have M&S building & contents insurance so i will check the policy documents on that front.