in-sewer-ants

[lou74]

this has proberly been covered before, but has anyone got their pride & joy insured in it's own right? if so who'd you use?
when my 653 race bike got robbed, it would have cost £1400 to replace but i got the £1000 max pay out on a bicycle that the house hold ins would pay. promptly got spent on a rd350. agreed value? for instance, if someone was daft enough rob my funk, how do you put a value something irreplacable?

anyone got any experiance?

 

[REKIBorter]

The trouble is the insurrance company will see a 20 year old, rather tatty (if you don't mind me saying) bike. Not a rare piece of MTB nostalga with enough patina to give Arthur Negus (R.I.P.) a stiffy. You may have to go through a specialist cycle insurrance company and I know from experience these are not cheap. I don't have special insurrance on any of my bikes. It's a risk you have to take.

 

[ishaw]

Back in the day when my RTS2 was new, I took out insurance to cover the full value when I went to uni, and if I recall, back then (and we are talking 18 years ago I think), it was £5 for every £50 the bike was worth. Expensive them, and I'm sure more expensive now. I only did it for a year, and it did once get stolen, but was returned before the cops arrived so I looked a right tool trying to explain that one, with obvious signs of student excess about me to boot.

 

[letmetalktomark]

I have each of my bikes insured separately under our home insurance (£10 a head IIRC)

I have provided pics, specs and serial numbers along with and agreed value to them - they seem happy with this!

Hope I would never need to use it though.

I hear M&S are very good at what they include under their standard home insurance policy.

 

[rosstheboss]

We use M&S home and contents insurance and they're bloody good. We payed a little extra and got the premier cover. You are insured for everything in your house/garden/shed up to a value of £4000, no matter what it is. We have had to claim a couple of times and they've been very helpful.

Hope this helps.

 

[legrandefromage]

all my bikes are listed with the Lloyds household insurance - cost us about an extra $7 a year on top of the standard household cost.