UPDATE: Reviews section refreshed, redesigned, searchable: Go take a look
Thrillingly, it's house insurance renewal time. I used to be with M&S until last year when the renewal fee got ridiculous, and with Aviva for the last year- but the bike cover is just if the bike is stolen from home, rather than whilst away (so not as good/useful as tbh bike more likely to be stolen whilst away)
Any other providers I should be looking at?
Ta
I'm still with Aviva (although renewal in July so following see if anyone recommends anything else)
I got around the not covered away from home bit by adding cover onto my van insurance for another £25, which I guess is the next most likely place to be nicked from. If I'm not riding it it's usually either in the house or the van.
Another one watching with interest.
Given that pedal cover now sponsor the forum, I wonder if they are back in the game.
I'm with quotemehappy (part of Aviva) with additional bike cover, with all bikes listed. You just choose cover for the most expensive bike.
I use Pedal Cover for my buildings and contents insurance, the premium seems pretty reasonable to me (factoring in there's several bikes on my policy and I have the Podium cover that includes accidental damage cover to the bikes and clothing whilst riding - which I've recently claimed under). They do have conditions around locking the bikes though if they're kept in sheds and certain other locations, which for me would be too much hassle to deal with (although is a fairly common restriction, not just one Pedal Cover has).
Thanks, will have a look at pedalcover
@nre that sounds the same as what my present Aviva policy offers. However in the TS and CS it only covers the bikes if nicked from my home address (which is v secure, so not really mitigating that much other than if the whole lot got stolen while we were away or something)
I will check out the quote me happy conditions though to see if they're different
Halifax...
@nre that sounds the same as what my present Aviva policy offers. However in the TS and CS it only covers the bikes if nicked from my home address (which is v secure, so not really mitigating that much other than if the whole lot got stolen while we were away or something)
I will check out the quote me happy conditions though to see if they're different
@el_boufador - This is from my policy docs:
If your schedule shows you have cover for pedal cycles they won’t be
covered for theft unless:
- in your immediate custody and control; or
- securely locked to an object that can’t be moved; or
- locked inside a concealed boot or concealed luggage compartment of a
locked vehicle which has been broken into by using force and violence; or
- in a locked building
I got a quote from Aviva this morning for buildings and contents including 4 bikes. £1400!!!
That didn't beat my renewal price from Admiral of £330 for the exact same cover, and the final deal I took from Hastings Direct for £300
I'm with quotemehappy (part of Aviva) with additional bike cover, with all bikes listed. You just choose cover for the most expensive bike.
Same
Out of interest, has anyone used Yellow Jersey, as they sponsor the site? I'm not affiliated or anything, just curious. I had no reason to look beyond my QMH renewal so don't know if they're competitive.
Out of interest, has anyone used Yellow Jersey, as they sponsor the site? I'm not affiliated or anything, just curious. I had no reason to look beyond my QMH renewal so don't know if they're competitive.
This person didn't have the best experience with them:
https://singletrackworld.com/forum/postid/13735855/
This thread is relevant to my interests
those Halifax details, is the 2-20 grand the total value of the bikes, or per bike?
I am in the same boat as M&S are stopping insurance. I've had both Pedal Cover and M&S in the past. I had to claim from Pedal Cover for some water damage in the house and it was really quite a painful experience.
Following on from a previous thread about this, I got a quote from the AA with my bikes as named items. The cost was roughly the same as last year's M&S policy, so didn't seem too bad.
I've got a couple of months to procrastinate though ;).
I've just swapped ours from Aviva to quote me happy (Aviva). Aviva quote was up £190 on last year but qmh was same price as last year (with the same cover). Bike cover is away from home including international (iirc). I also think they standard policy covers them at home.
I'd did get a better quote with frontier (I think) that had every bike listed but their feedback looks suspect.
Just gone with PedalCover as thought worth a quote due their support here and Aviva going up at renewal.
Came back a chunk lower, then combined with a discount code from the member area, I reclaimed my evening for something more interesting than trawling insurance sites.
My niggle with pedal cover is having to list every bike... With a family of multi discipline riders that is tiresome.
I recently renewed with Admiral (my quote had gone down since last year!)
They cover up to £11,000 with £5800 the highest for a single bike. I insured 3 out of the 5 and it includes away from home in our campervan for £21.
For the other two bikes it would be £350 each if someone broke into the house and cleared us out.
I went with Aviva after years with M&S. The bike cover works in the same way, which is that you state the maximum value of the most valuable bike. Any one bike is covered up to that value, in a locked house/garage/shed. Covered away from the house provided it's locked. No need to list bikes separately. No need to inform them if anything changes. No minimum security locks either 🤯
Total premium about £650 of which about £250 was the cycle cover. Admittedly I didn't shop around so don't know how that compares but I know from previous years that some insurers don't cover us at all as we're in quite a high risk area.
This thread is relevant to my interests
those Halifax details, is the 2-20 grand the total value of the bikes, or per bike?
Per bike
