We have our home etc insured via our Nationwide accounts. We have been informed that they are changing the company/insurer to Aviva, not a company we are happy with. The question is are there any better?????? Appreciate it all depends on where we live etc.... Basics are 3 bed detached bungalow and garage, jewelry and a few bikes + new ebike(branded)
Following, as our renewal just came through and the switch to Aviva has been accompanied by a hefty increase in premium...
And I now have Aviva saying that our new build house is not on the system so they have not insured us for a week while they faff, now decided that they won't provide cover. We have been with them 5 years now.
So who covers multiple bikes, with most expensive at £3.5k, and half decent customer service/reputation?
just follow the links to the comparison sites via moneysavingexpert?
I went with One Protect as we could have bikes easily on it.
just follow the links to the comparison sites via moneysavingexpert?
The vast majority will not cover bikes over £500, then you get those that cover but not away from home, or the ones that have many 'must never be stored anywhere other than inside an understairs cupboard in your house' in the small print. And you do not get that from the comparison sites.
It is properly first world problems, but our three expensive bikes and our canoe are (besides a car and house) most valuable things we own....
I’ve just taken out an AA policy after M&S , who I was with, stopped doing house insurance. Tried all the comparison site recommendations but they were all pretty poor cover in one respect or another and virtually none of them would cover bikes over about £2.5k. If they did then they would only do so with various caveats inc having to chain to an immovable object with a 3.5kg lock and being inside etc. AA much better and slightly cheaper than the M&S one.
My Nationwide renewal was earlier in the year but is underwritten with Royal & Sun Alliance, but nearly doubled in price
Unfortunately not many will insure me because the house is technically on a flood plain with historic map of flooding (back in early 1900s though!), despite being a 1st floor flat (though I'm joint freeholder of the land also). Nationwide were one that did for a reasonable price.
Will see if it shifts to Aviva next year
As for bike cover, they've usually been covered by the main insurance inside the house. The bike cover they include is up to £1k per bike for out of the house inc shed etc. Extra cover if specified but never bothered. The bikes are complex being builds from all kinds of parts, reused stuff, swapping about, plus after a few years they're devalued loads for insurance purposes and I keep bikes for decades 😄
We're with esure, including bikes with individual values