Home Insurance

[CeeGee]

AA Home contents.
Ebike up to the value of £1,500 with no additional charge.
I think they are perfectly happy to go above that figure, but need to be told first.

Colin

 

[Bandit]

Mine allowed our 2 bikes to be added last year for nothing, but they now added about £85 to the renewal premium. Still a lot better than specialist bike insurance, though I doubt very much the cover is the same. The ultimate insurer on this policy is Legal and General.

Speaking of bike insurance, it is getting prohibitvely expensive to insure hire bikes or (because the risk is the same) community shared bikes. Here's a bit of bad news - these Kalkhoffs were our first introduction to e-biking. We'd never have believed they could climb hills without actually pedalling up the Long Mynd, and it was a great way to try the experience.

 

[allen-uk]

Churchill took my non-electric bike a couple of years ago for an extra £15 a year (bike being worth less than £500 even with expensive accessories).

I asked them about the Wisper, but they wouldn't budge on their ceiling of £1500, so I took out an extra policy with E&L, but if Churchill relent on the ceiling, I'll move back to that option.

Churchill are pretty cheap for building/contents policy, too.


Allen.

 

[Morag]

We have ours with Aviva they had no probs just needed the name and model to put on the policy.

 

[thunderblue]

Barclays were great - they added all of our bikes up to £1500 each and reduced our premium

 

[rooel]

Direct Line Home Plus is good value, and includes electric bike cover.

 

[badpoet]

Nationwide added mine upto 1800 not a problem, changed my policy and saved me 10quid a month!

 

[leathersley]

For £11.16 p.a. Saga added mine to the household insurance.

I thought it very reasonable, and good value for money.

 

[Bandit]

Hi All

I will get ringing around.

Bandit - I have contacted stretton climate care regarding our commercial insurance which covers rental and at not too much extra cost to our normal premiums.

Thanks

Scott

Good. I hope you can help. We had to insure two bikes ourselves for a trial we were running, and it was very expensive because it included liability for anything that happened to people while they were using the bikes. This is the same risk a bike hire company takes, hence the hefty premiums. I think it cost about £400 for the year for 2 bikes. We didn't continue it after the trial, and now we loan out the bikes with a disclaimer and require an indemnity. These are the curses of the litigous society we're fast becoming.

I wouldn't be surprised to discover that if you lend your bike to someone else as a favour, you can in some circumstances be sued if they have an accident, and I doubt a normal policy would cover you.

 

[onmebike]

Mine's with Zurich, added bike free. Policy cost was half of AA home cover.

 

[frothycoffee]

I went with Direct Line it insured my bike and a mobility scooter and it was a good price

 

[trickletreat]

If this helps, great, I have just had a long conversation with M&S re contents insurance and electric bikes/trikes and conversions. After they referred my request for confirmation of cover to the underwriter, they stated that any electric bike/trike or conversion commercially available upto the value of £4000, would be covered away from home, under my premier contents cover.
The policy costs me £131, with no extra charge for the bikes. If you buy it via Quidco.com, you get £30 cash back

 

[drillam]

has anyone tried insuring a bike built from kit components?

 

[eddieo]

has anyone tried insuring a bike built from kit components?

more problematic with components I would think.... but if a complete "kit" maybe easier? Say a bionx kit + bike, you will have two receipts so should be insurable as an e bike. in this example I would just say to my insurer Tesco that I have a bionx/Trek e bike and leave it at that, and if it gets nicked present both bill for kit and bike

I think Tesco charged us £20 per bike as over £1000 value? this covers use abroad as well, important to us for motorhome touring....

 

[carpetbagger]

Nationwide quoted me an extra £85, went with AA and they didn't add anything.....