Bikes on a household insurance policy

I’ve been out of this loop for aaaages but who’s the go to for household insurance to cover bikes these days? Back in the day it was Marks and Spencer but they gradually got worse

Direct Line, for instance, want silly money (£1200) with £10k, which is 5 out of 6 bikes undervalued, added on. We’ve got 2 e-bikes (Gazelle Ultimate car replacements) 2 nice touring bikes, my old 853 Inbred and a Tern Link folder. Those comfortably take us over £10k.

Any suggestions gratefully received. ?

Pedalcover have always been good for me, this years renewal was cheaper than last year as well, for a change.

You can also get a 15% discount with them if you’re a member of Cycling UK.

Policy Expert for ours.  I have 8 bikes insured with a max value of £6k per bike, all as named items.  This includes out of the house.  £440 a year for buildings and contents.

Nfu here , individually named

M&S Bank cover bikes on household policy. Just need to specify the value of the most expensive bike. They don’t specify particular locks etc which makes things easier.

Go through Quidco for £34 back on M&S.

Still the cheapest for us with 6 bikes, max 10k value each.

Aviva – only up to £5k per bike or ebike is covered, but unlimited bikes. Even covers my son at Uni for his bike.
I haven’t explored how expensive it gets above £5k limit, or if they cover.

Thanks everybody. Will try M&S again I think.
it’s daft though, we’ve had £15-20k of bikes insured for years and now struggling!!

it’s daft though, we’ve had £15-20k of bikes insured for years and now struggling!!

If it’s under £5k per bike, Aviva

We’re back with M&S after a few years in the wilderness.  It’s not ‘cheap’ at a bit north of £500/yr for us, but seems good cover.  Only need to tell them the value of the most expensive, but not name it and everything else covered to that.  So my S-Works Tarmac at best part of £10k replacement value is what I used.  Also covers our valuable contents well.

Policy Expert won’t even quote me!

Gone with Aviva.  Thanks everybody.  ??

Sorry if it’s a bit late, but if you use QuoteMeHappy via Confused.com you can get Aviva’s cover with £30+ cashback.

Do you need proof of purchase for M&S Bank insurance? I need to change from Pedal Cover to one that doesn’t (I only have the receipt for one of my 5 bikes so can only technically claim for that one)

Gave up and got cheaper house b&c insurance and insured them all with Laka.  Core as its cheeper

I’m with Aviva. At last renewal I realised that bike inflation had taken the replacement cost of two of my bikes over £5k. I told them and for a very modest cost they increased the cover.

Gave up and got cheaper house b&c insurance and insured them all with Laka.  Core as its cheeper

This is my experience too. Get House cover for your house (thus opening up the whole market). Get bike cover for your bikes.

Do you need proof of purchase for M&S Bank insurance? I need to change from Pedal Cover to one that doesn’t (I only have the receipt for one of my 5 bikes so can only technically claim for that one)

Check this with PC, but I believe they offer new-for-old on bikes with proof of purchase – or secondhand value otherwise. Which suits me well enough.