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Who uses a seperate company to insure bikes i.e. not in the contents insurance? Who do you use?
don't bother trying, my old (note the use of the word old) insurers got all funny and refused to insure my bikes, 4 hardtails and one bouncer, (in a brick shed which can only be accessed from the front of the house,also all ground anchored etc)
i tried getting quotes from independent insurers but the premiums were stupid, akin to a 17yr old driving a hot hatch.
many people on here suggested M&S, ready meals i thought !!!, sparkling white cava's and sandwiches,
NO.....
all my bikes and all my other contents which had previously had to be added to my contents on special
polices were included in my usual premium which was the same price as my other insurers premium.
superb, any bike worth under 4K no matter how many you have are covered by the standard policy.
try them for a quote.
Do they do listed properties though
I use ETA for what it's worth.
They don't have stupid storage prerequisites like most other insurers.
I would think so , you could list any property u like so I don't think that would make much odds , you need to try a quote it's online it's a doodle
I've been with M&S for years for the benefits listed above.
They've just cancelled my renewal now they know I live within 250 yards of previously flooded properties.
So need an alternative to M&S.
before i went to M&S i was with Rias for years, then last year there was 2 break-ins , 1 two houses down (2x 300 bikes stolen from unlocked shed through unlocked gate at foot of 300ft garden , the people there are real muppets) and a second break-in 3 doors in the other direction involving skank petty thief and jewellery,
that was enough for Rias, even though my brick shed is like a bunker, they dropped me like a hot rock.
I got a quote from M&S yesterday, thinking I might be overdoing it by having separate insurance with British Cycling. By the time I added the necessary 'contents away from home' cover the price was working out about the same as with my current mix of Aviva and British Cycling. Got racing cover too FWIW with that. I have a feeling that if my most expensive bike had been worth under £4k it would have worked out a fair bit cheaper with M&S though, but I'm a tart.
Another vote for M&S (for the OP)
The bike specific insurance is a rip off (around 10% of the value insured) and is chock full of limitations, restrictions and requirements. Claiming is a minefield and even if you believe you are covered they just disagree.
I use Evans cycles . Good price for the cover you get tbh.