Not had to claim for a bike, but have made a claim recently with them and was massively impressed – your first call to them is effectively the claim – they record the call and thats it, no waiting for forms to arrive to fill out and post back.
I called them once, a direct replacement co called me back, called again to check I was happy with what they would supply. Within a week or so it was all done, dusted and forgotten about.
The last time I had to make a home insurance claim the whole thing dragged for 9 months, time mostly spent with me having to hound people and replacements turning up in dribs and drabs.
With regards to bike its best just to call them and chat so you’re straight in your head as to what is and isn’t covered. I was pretty sceptical because bikes aren’t specifically mentioned in their blurb and compared to the mountains of conditions and exclusions you get with specialist cycle insurers – locks from an approved list, where the bike can and can’t be over night etc. I didn’t want to think I was covered for certain things and find out I wasn’t
When I spoke to them they basically said – if you walk to the shops and you drop your wallet and it gets taken/lost we cover it. If you cycled to the shops and ‘drop’ your bike and it gets taken/lost we cover that too. Same with a laptop or ming vase or anything else.
