Just had a really interesting chat with Darren at PedalCover specifically about this thread.
Outbuilding cover is not excluded
Axa are very supportive of PedalCover, and are working closely with them to enhance the cover, we’re not going to see a gradual shift away from what we’ve got, as happened with M&S previously. There’s no unilateral changes being made to T&Cs that cause problems.
Garages are fine.
Brick/concrete sheds are fine.
Asguards are fine.
Wooden sheds on renewals without claims history are fine.
Where they’re looking at cover is on sheds where there’s a claims history. PC have a panel of insurers (where Axa is the ‘default’ choice – my mistake, I thought they only used Axa) but because they still speak to every customer at renewal they are looking at cover levels, and it may be that Axa isn’t the best option, and cover can’t be offered without demonstrable improvements in the security.
Now obviously Hob Nob I can’t attest to the conversation you had, I don’t know who you spoke to or whether there was a misunderstanding somewhere, but Darren was emphatic that they’re not removing outbuilding cover, they’re working to improve the cover and ensure everyone is getting the best level of cover for their requirements.
I have no vested interested whatsoever – Darren connected my username here with my email address for my policy, but I did say that I’d post something to clarify the situation. Obviously anyone with specific questions can contact them directly.
Nick