http://citycyclingedinburgh.info/bbpress/ CityCyclingEdinburgh Forum » Tag: insurance - Recent Posts en Mon, 13 Apr 2026 15:16:12 +0000 http://citycyclingedinburgh.info/bbpress/topic.php?id=21023#post-361904 Mon, 11 Jul 2022 10:39:24 +0000 ResearchMatt 361904@http://citycyclingedinburgh.info/bbpress/ <p>Hey I'm Matt, </p> <p>I’m looking to recruit research participants for our work understanding cyclists needs and improving bike insurance, it's a short chat and a review of some websites I've been working on. I'm a researcher in the bike industry.</p> <p>I’m looking to talk to keen cyclists on research calls with myself. These calls are usually ~45 minutes and reimbursement is a £35 voucher for their time. Only requirement is that you are a UK based cyclist and ride a bike worth &gt;£300.</p> <p>If your interested you can book yourself in on a call with this link - <a href="https://calendly.com/talktomatthewcarter/utest">https://calendly.com/talktomatthewcarter/utest</a></p> <p>If you have any questions please let me know!</p> <p>Kind regards,<br /> Matthew </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339563 Sat, 31 Oct 2020 09:39:21 +0000 gkgk 339563@http://citycyclingedinburgh.info/bbpress/ <p>I'm with AA for contents, with the box ticked to cover items outside the home, specifically includes bikes (item max £1500 or you have to list individually), covers anywhere in UK if locked to immovable object (doesn't specify std of lock).</p> <p>Was £90 last year (small flat), £120 this year so thinking to ditch. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339560 Sat, 31 Oct 2020 00:28:08 +0000 wingpig 339560@http://citycyclingedinburgh.info/bbpress/ <p>I am informed we're with RIAS, for &lt;=£200/year as a returning customer.</p> <p>I saw a thing once which suggested having a really chunky but solid and very small lock and putting it through the crank so that there's no room to waggle or batter it, but there would only be a very small number of places you'd be able to get the bottom bracket area close enough to be able to lock it up. I could get a very thin and long Citadel shackle through my 1992-2005 bike's crank spider but they were much gappier back in the day. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339557 Fri, 30 Oct 2020 21:55:18 +0000 unhurt 339557@http://citycyclingedinburgh.info/bbpress/ <p>I guess my concern is despite gold rated lock someone might yet steal one of "good "bikes - no lock being un-breakable. My concerns are mostly locking them in &amp; around Edinburgh / across the central belt - when i would take the heavy lock (I have a stumpy wee one, so it's not TOO crazy heavy..). Hmm! </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339546 Fri, 30 Oct 2020 16:29:03 +0000 Greenroofer 339546@http://citycyclingedinburgh.info/bbpress/ <p>Reflecting on this some more, for a high value bike you have to pay extravagant premiums and lock it with a Gold-rated lock (which weighs a ton). If you ever choose to leave the lock at home or not lock the bike, then it's not covered. If you do lock it with a Gold-rated lock it won't get nicked. If you have a crash then claim the repairs off the other party.</p> <p>I couldn't imagine carrying a Gold-rated lock on a long ride... </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339545 Fri, 30 Oct 2020 16:22:34 +0000 Greenroofer 339545@http://citycyclingedinburgh.info/bbpress/ <p>It's cheaper to feed the tiger in the shed (but not over-feed it, obviously: need to keep it <em>keen</em>) than it is to pay premiums on high value bikes... </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339543 Fri, 30 Oct 2020 16:07:43 +0000 unhurt 339543@http://citycyclingedinburgh.info/bbpress/ <p>What about this solution? Not shown: sharks.</p> <p><img src="https://res.cloudinary.com/twenty20/private_images/t_watermark-criss-cross-10/v1543799657000/photosp/7e1ce7ac-d0aa-42c6-9c8a-215c238c676a/stock-photo-lake-ancient-shed-relic-charming-alaska-alaska-life-7e1ce7ac-d0aa-42c6-9c8a-215c238c676a.jpg"> </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339542 Fri, 30 Oct 2020 15:34:38 +0000 steveo 339542@http://citycyclingedinburgh.info/bbpress/ <p>Is that the service including big cat to guard the bike shed? </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339541 Fri, 30 Oct 2020 15:24:06 +0000 Greenroofer 339541@http://citycyclingedinburgh.info/bbpress/ <p>ETA do cycle rescue cover for £20 or so. Will rescue you and your bike after a breakdown. I have it, have used it and can confirm that it works.</p> <p>I've given up on insuring my bikes. It was too expensive and they weren't covered if left unsupervised on a train. I spent one year's premiums with Pragmasis on beefing up the bike shed (latest improvement being to include it in the scope of the house burglar alarm system). Third party cover through home insurance. Legal cover through Cycling UK. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339513 Fri, 30 Oct 2020 01:15:47 +0000 unhurt 339513@http://citycyclingedinburgh.info/bbpress/ <p>Cheers - that part is key... </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339512 Fri, 30 Oct 2020 00:36:38 +0000 wingpig 339512@http://citycyclingedinburgh.info/bbpress/ <p>I'll check who we use when my wife is next awake. I have to supply replacement/rebuild cost every now and then and usually request away-from-home theft cover to be ticked. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339502 Thu, 29 Oct 2020 21:18:36 +0000 mcairney 339502@http://citycyclingedinburgh.info/bbpress/ <p>£500 a year, that's more than my house + contents insurance and about double my car insurance :O</p> <p>Think I'll be relying on my shed at those prices </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339500 Thu, 29 Oct 2020 20:22:55 +0000 amir 339500@http://citycyclingedinburgh.info/bbpress/ <p>My house contents insurance covers our bikes at a reasonable rate. 3rd party is via cycling uk </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339497 Thu, 29 Oct 2020 19:34:52 +0000 Arellcat 339497@http://citycyclingedinburgh.info/bbpress/ <p>I use Pedalcover for home and contents. It may be the last year I use them, as they (AXA) changed their policy from new-for-old to 50%-of-new-for-old, at least for bikes over 5 years old, which is all of my bikes.</p> <p>But they're UK based, all "by 'eck, it'll be reet", they did know what a velomobile was, and weren't too busy batting eyelids when I told them what a new one would cost. It works out slightly cheaper than home policy plus a separate specific bike policy although the finangling to pay monthly is ridiculous and convoluted. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339496 Thu, 29 Oct 2020 19:11:02 +0000 Frenchy 339496@http://citycyclingedinburgh.info/bbpress/ <p>British Cycling membership also provides free legal advice if you are ever in a collision with someone else. I was actually knocked off my bike approximately one hour after taking out my membership... </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339495 Thu, 29 Oct 2020 18:19:26 +0000 unhurt 339495@http://citycyclingedinburgh.info/bbpress/ <p>@neddie - yeah, but e.g. the Surly would cost in the realm of £1700 to replace, taking into account bars, pedals, saddle &amp; racks - it all adds up fast. Plus savings won't give me third party cover - and "£150 returning home cover for the necessary and reasonable costs that you incur to return directly to your home by a registered taxi or public transport following theft of or accidental damage to your cycle." could be VERY handy if stuck halfway to Cape Wrath with a totally busted bike! Premium looks to be sub £200 (maybe a bit more once I give full details.) </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339494 Thu, 29 Oct 2020 18:17:11 +0000 chdot 339494@http://citycyclingedinburgh.info/bbpress/ <p>“Task A is to call current insurer“</p> <p>Explain what you <em>want</em>, and see if they will quote. </p> <p>If they haven’t got that flexibility, perhaps they don’t deserve your custom... </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339493 Thu, 29 Oct 2020 18:13:16 +0000 unhurt 339493@http://citycyclingedinburgh.info/bbpress/ <p>That British Cycling one looks like a reasonable option - not least as while more expensive that adding bikes to home contents it actually covers accoutrements up to a point plus some useful travel-related stuff... not that I'm travelling anywhere in the forseeable but.</p> <p>Am more interested in the theft cover as carrying more than one gold sold secure lock round town is HEAVY.</p> <p>Task A is to call current insurer and get them to un-auto-renew me as I want to shop around... </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339492 Thu, 29 Oct 2020 18:11:36 +0000 neddie 339492@http://citycyclingedinburgh.info/bbpress/ <p>Depends on your attitude to risk and ability to finance a replacement. You should only insure against "heavy" losses (whatever that may be for your own circumstances)</p> <p>Personally, I'd set aside £50 per month (or whatever the insurance premium would be) into a ring-fenced savings account.</p> <p>After a year, you'll have £600, after two, £1200.</p> <p>Hopefully enough to replace the bike even if it gets stolen every two years on average. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339491 Thu, 29 Oct 2020 18:07:02 +0000 dessert rat 339491@http://citycyclingedinburgh.info/bbpress/ <p>I have the Brit Cycle membership because it provides some insurance</p> <p><a href="https://www.britishcycling.org.uk/bikeinsurance" rel="nofollow">https://www.britishcycling.org.uk/bikeinsurance</a></p> <p>more interested in the 3rd party liability than the theft cover, but it does have both. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339490 Thu, 29 Oct 2020 18:01:32 +0000 miak 339490@http://citycyclingedinburgh.info/bbpress/ <p>I got separate insurance for my bikes and annually costs me around £500 .... too much i know but seemed the sensible thing to do given how much time i spend on them </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=20390#post-339486 Thu, 29 Oct 2020 15:37:27 +0000 unhurt 339486@http://citycyclingedinburgh.info/bbpress/ <p>As bike theft in Edinburgh reaches apocalyptic levels, vast flocks of ravens circle overhead. Meanwhile my home insurance needs renewed.</p> <p>Turns out I only put one of my bikes on it last year, oops. I was sure I'd added the Genesis too. </p> <p>Adding bikes worth over £500 as individual high value items is doing horrible things to my premium (plus apparently I might be expected to show receipts for upgraded components - uh. That will be a problem given how long I've had some of those...) So, is it worth getting separate insurance just for the bikes (which would also give me third party in case a motorist tries to sue me for scratching their paintwork with my crumpled body / I mow down a terrier)? Any recommendations? </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=17853#post-253457 Thu, 22 Jun 2017 21:27:19 +0000 ARobComp 253457@http://citycyclingedinburgh.info/bbpress/ <p>I pay roughly similar for 5 bikes which amount to £**significantly more by a multiple of 3-4 of what my car is worth** if not a touch more tbh - however I'm far more likely to damage, write off or have my bike stolen in an accident that's not my fault. I also like the international and kit cover. Guess it just depends on how many bikes/what you're insuring for! </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=17853#post-253448 Thu, 22 Jun 2017 17:11:21 +0000 StepRam 253448@http://citycyclingedinburgh.info/bbpress/ <p>@ ArobComp Bikmo wants £233 PA my Car insurance is less on a 13 plate 2.0 TDi sMax Titanium Sport </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=17853#post-253444 Thu, 22 Jun 2017 15:46:10 +0000 ARobComp 253444@http://citycyclingedinburgh.info/bbpress/ <p>I pay a reasonable amount to insure my bikes, or should I say, my bikes, my wifes bikes, and all my biking gear through Bikmo. Specifics below which are pretty comprehensive. Also covered for all repairs etc. I feel that it's an appropriate amount to pay to cover them all. </p> <p>"Property cover which includes the following:<br />  accidental damage to and theft of your cycles anywhere in the world, including while being used by any person with your<br /> permission;<br />  accidental damage to and theft of upgraded parts and components and equipment fixed to your cycle;<br />  accidental damage to and theft of any articles of specialist cycling, biathlon or triathlon clothing;<br />  accidental damage to and theft of any luggage designed specifically for the carriage of your cycle;<br />  the necessary and reasonable costs that you incur to return directly to your home by a registered taxi or by public transport<br /> following theft of or accidental damage to your cycle insured under this section;<br />  the necessary and reasonable costs of hiring an alternative cycle following theft of or accidental damage to your cycle<br /> insured under this section;<br />  non-refundable fees in respect of an organised competitive cycling even etc etc... " </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=17853#post-253443 Thu, 22 Jun 2017 15:34:58 +0000 dougal 253443@http://citycyclingedinburgh.info/bbpress/ <p>"Or at least it's not the highest value and easiest Bike in the area! Easily said!"</p> <p>It's the perfect argument for N+1, "darling I need to get a more expensive bike than you so yours will be safe from theft when we go out together". Watertight. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=17853#post-253442 Thu, 22 Jun 2017 15:11:42 +0000 StepRam 253442@http://citycyclingedinburgh.info/bbpress/ <p>Thanks for the replies, </p> <p>Re: Home Insurance some digging around and the AA say: </p> <p>They won't cover "theft of unattended pedal cycle(s) unless the bicycle is locked in a building or attached by a security device between the cycle frame or back wheel to a permanently fixed structure."</p> <p>Nothing to say what standard of "Security device" is required. Also, their max value on NFO is £5k</p> <p>I signed up to Cycling UK so have that Public Liability, If it happens to be of any use! </p> <p>The Bike is marked and I'm using two Gold secure Locks but given all of those things just make it inconvenient! </p> <p>Police friends of mine suggest that, in general, all you have to do to avoid getting your bike nicked is make sure it's not an easy target. Or at least it's not the highest value and easiest Bike in the area! Easily said! </p> <p>Is Bike theft that Common in Edinburgh at present? Sheds in our area were broken into a for a while, but the Police got the people behind that a while ago? </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=17853#post-253435 Thu, 22 Jun 2017 13:10:45 +0000 Roibeard 253435@http://citycyclingedinburgh.info/bbpress/ <p>I picked up third-party cover with my house insurance too - I'm not sure if it was an add on with the legal liability cover (cheaper adding to house insurance than car insurance!), or if it came as standard.</p> <p>Covers all the family for all activities, including (non-competitive) cycling.</p> <p>Robert </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=17853#post-253434 Thu, 22 Jun 2017 12:59:07 +0000 mcairney 253434@http://citycyclingedinburgh.info/bbpress/ <p>I'm assuming that quote is also including third-party cover?<br /> That quote does seem extremely high so I'd shop around. It might be worth adding it to an existing contents policy as suggested and joining someone like CTC for third-party cover.</p> <p>Bike theft used to be pretty rampant in central Edinburgh and studenty areas like Bruntsfield- I had 2 bikes stolen within 3 months of each other and the wheel stolen from one a year prior to that, all from tenement stairways and all locked to railings.</p> <p>The suggestion of a cheap(ish) commuter isn't a bad one and keeping your good bike for the weekends. You could get a half-decent commuter hybrid for that £300 with the bonus that it can be replaced more easily and cheaply if it does get nicked. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=17853#post-253428 Thu, 22 Jun 2017 11:13:54 +0000 redmist 253428@http://citycyclingedinburgh.info/bbpress/ <p>galaxy - I meant when not riding it ! ie don't leave it unattended outdoors, locked or not. </p>