House insurance renewal – which is best?
Time to renew the house insurance. Used M&S for the last few years because of their inclusive bike cover but have had a huge quote this year, over £650.
Are there any decent alternatives to M&S? Makes me wonder whether it’d be cheaper to insure the bikes separately.Posted 5 years agoCletusMember
No loyalty in the insurance market. I was happily with M&S until they massively increased my premium and basically forced me to leave.
Am now with Swiftcover who I left for car insurance for precisely the same reason!
No equivalent bike cover to M&S but I can live with that as my bikes are stored securely (way to tempt fate!) and I do not leave them outside.Posted 5 years agoFunkyDuncMember
I’m with Direct Line on their + policy. I think it came in about £200 a year cheaper than M&S.
It states single article limit £1000. However they have just replaced my stolen bike and replaced it with a £2400 one. When I spoke to them initialy as well they confirmed the £1000 limit was not for bikes, and they kind of implied there was no limit.
However I would want to get it confirmed to me personally if I was taking a policy out with them.
Can’t fault their claims service it was fantastic.Posted 5 years agorugbydickSubscriber
From Direct Line’s website:
On our Home Insurance policy, pedal cycles must be specified separately, regardless of value, if you require cover outside the home. (If you have a Home Insurance Plus policy pedal cycles are automatically included, up to £1,000 per cycle, under Personal Possessions).
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