I’m currently exploring my options with home insurance as it’s due for renewal after the AA added over £100 to my renewal (no claims or change in circumstances) and the above report of problems making a claim with a bike locked to a bike is off-putting.
We go out riding as a family of five and frequently have to lock bike, to a bike, to a bike, etc. I’ve also got my bikes locked in a similar fashion inside my garage, ultimately to a motorcycle ground anchor and 11mm pragmasis chain. If the outside bike gets stolen and they don’t pay out as they regard it as not being locked to a perm. object then it pretty much writes them off for me.
Halifax have come out a lot cheaper and I was probably going to go with them. I’ve even opened a bank account with them to get an extra 10% off. But I’ll need to contact them about loss from a detached garage though.
They don’t make it easy, do they!?