http://citycyclingedinburgh.info/bbpress/ CityCyclingEdinburgh Forum » Topic: boring insurance question en Mon, 13 Apr 2026 16:38:35 +0000 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>