where can i get bike insurance

[keithhazel]

never gave it too much thought as millions of bike riders and i dont imagine 0.000000009 % have insurance if they cause an accident which is very easy on a bike.eg..wind blowing you off or over onto a vehicle..just one of many freak possibilies....or even blowout at high speed ok not on my Quando but those of you on the 20mph bikes which have much thinner wheels then i do my be prone to it if you catch a large splinter of glass or other sharp object...and the thing that brought it home was reading Gayners post about having had two accidents, one knocking a wing mirror off a car which could have cost hundred or more, i once came back to my 125cc motor bike which had fallon over onto another bike and had put a minor dint/scratch onto its petrol tank...in my ever honest approach to life nevr gave a thought to the fact that it might have already been there so left a not on their bike with my address and number, that tiny scatch cost me nearly a hundred and we are going back 15 years..............and actual bodily harm might cost thousands in a law case so im definatly getting insured for at least third party....my bike is insured in house contents but they dont do other cover so where can i go...i did read the other day one member stateing he is insured for such an event but i cant find that thread so will ask here.......i want to go out this afternnon on it but sods law an all ...so tell me now so i can get it befor i go out please.
thanks keith

 

[rooel]

Many house contents policies provide millions in public liability cover both for damage caused by the building and the contents, and including the latter when away from the insured premises. They also cover the occupants of the building while away from it for any damage they cause either with their own bodies or with a bicycle etc, but under exception of motor vehicles (as defined in the road traffic acts).

 

[keithhazel]

Many house contents policies provide millions in public liability cover both for damage caused by the building and the contents, and including the latter when away from the insured premises. They also cover the occupants of the building while away from it for any damage they cause either with their own bodies or with a bicycle etc, but under exception of motor vehicles (as defined in the road traffic acts).

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no, as i pointed out although i have house contents and the bike is insured as a named artlcle on policy i am not covered for accidents caused by it to either me or a third party, my insurers are Lloyds who told me for definate
that household policy does NOT cover me on my bike...and that they DO NOT insure for bike riders, it would have to be a specialist.....so unless you have read the small print and it says damage caused by you on your bike is covered...you are not...
still trawling the posts to find biker who says he is insured specifically for biking accidents

 

[rooel]

Yes but the small print varies from policy to policy: here is mine from eSure_

personal liability and liability as
occupier of your home
a. personal liability
We will insure you up to the policy
limit as shown in your latest schedule
should you become personally legally
liable to pay for accidents that are
not connected with you owning or
occupying your home. These accidents
must result in:
• bodily injury to or illness of any
person (but not any member of
your household or your
employees); or
• loss of or damage to property.
In the same way as you are insured,
we will also insure each member of
your family who permanently lives
with you. Each will be insured for all
sums which they become legally liable
to pay for accidents happening in,
around, and away from your home.

 

[keithhazel]

Yes but the small print varies from policy to policy: here is mine from eSure_

personal liability and liability as
occupier of your home
a. personal liability
We will insure you up to the policy
limit as shown in your latest schedule
should you become personally legally
liable to pay for accidents that are
not connected with you owning or
occupying your home. These accidents
must result in:
• bodily injury to or illness of any
person (but not any member of
your household or your
employees); or
• loss of or damage to property.
In the same way as you are insured,
we will also insure each member of
your family who permanently lives
with you. Each will be insured for all
sums which they become legally liable
to pay for accidents happening in,
around, and away from your home.

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wow you sure organised to have that to hand....you been to the Flecc school of organiseation ? .it does kinda sound like you are, but i spoke in person and "the lady from Lloyds" she say "no".....i may still look at the small print myself cos she is only human......

 

[burncycle]

I got mine via Evans.
I tried bolting it on to my home insurance (as advised) and you can save some money, but when I asked my home insurer a number of questions about the policy, I quickly found out that the bolt on policy was a poorer version than dedicated cycle insurance, so I felt it was worth the extra bit of money.

Hope this helps.
Bob.

 

[keithhazel]

I got mine via Evans.
I tried bolting it on to my home insurance (as advised) and you can save some money, but when I asked my home insurer a number of questions about the policy, I quickly found out that the bolt on policy was a poorer version than dedicated cycle insurance, so I felt it was worth the extra bit of money.

Hope this helps.
Bob.

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yes it does thanks, did you get a big discount as you are widely known for being patient ?...

 

[keithhazel]

I got mine via Evans.
I tried bolting it on to my home insurance (as advised) and you can save some money, but when I asked my home insurer a number of questions about the policy, I quickly found out that the bolt on policy was a poorer version than dedicated cycle insurance, so I felt it was worth the extra bit of money.

Hope this helps.
Bob.

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possibly im not doing this right, did you get cover for a bike or cover for an e-bike ?

 

[burncycle]

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possibly im not doing this right, did you get cover for a bike or cover for an e-bike ?

2 answers.
No I did not get it any cheaper, though as I keep saying, dont spend £1000+ on the bike and then suddenly go all cheap on it afterwards.

Like the people who buy BMW's and then get them serviced and repaired on the cheap cheap!

Yes I did go for the ebike insurance via Evans.
Make sure you cover it for the list price though keith.

Bob.

 

[keithhazel]

2 answers.
No I did not get it any cheaper, though as I keep saying, dont spend £1000+ on the bike and then suddenly go all cheap on it afterwards.

Like the people who buy BMW's and then get them serviced and repaired on the cheap cheap!

Yes I did go for the ebike insurance via Evans.
Make sure you cover it for the list price though keith.

Bob.

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for some reason i never saw the e-bike part, maybey becuase i just wanted third party liability, so i rang up to make a query...she was very kind and started from stractch at her end, did not charge me the £10 extra that you save by doing it on line....all was great till she read the small print...£500 excess...as far as damage to someones property... ...dam and blast.... ...£26 however is cheap for a millions worth of cover and sure she said 10k worth of accident cover to me too which i never expected... just gonna have to be real alert as dont want no £500 accidents to cars...

 

[Lordylordy]

But what's the going rate?

I clicked on the Cycle Guard insurance link on this site and was quoted about £15 a month for my Pro Connect. How does this compare?

Not sure I need £1,000,000 liability though. Can't think how I could rack that up, but it was minimum liability.

 

[keithhazel]

I clicked on the Cycle Guard insurance link on this site and was quoted about £15 a month for my Pro Connect. How does this compare?

Not sure I need £1,000,000 liability though. Can't think how I could rack that up, but it was minimum liability.

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lol..sorry took so long to answer i only just picked myself back off the floor with laughing..................£26 a year with evans, also the 1 million third party liability, think 10k personal cover too....dont phone them as they charge £0 more, i was lucky as said software failure....dont do direct debit as thats 26% APR which doubles the cost..make a one off payment of £26... and your laughing ..apart from the £500 excess but i think most will have that, unless you are paiyng £150 a year...which you would with cycle guard insurance...yet i bet they have some excess too........just on an insurance note...my mother renewed her insrunace for her car last week cost £400..living in hull...then she moved up to newcastle and when she told them of change of address they said..."thank you for giving new address...oh that will be another £90 please"............hard to work them out ...there was billions claimed last year with flooding yet my premium hardley moved up, i expected them all to be crippled, they must have a big piggy for a rainy day..

 

[Lordylordy]

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lol..sorry took so long to answer i only just picked myself back off the floor with laughing..................£26 a year with evans, also the 1 million third party liability, think 10k personal cover too....

Thanks Keith...glad I can still have them laughing in the aisles

Anyway, that's what Forums are for, aren't they - share advice, potentially at the expense of a bit of ****-take?!

I'll get my lardy arse over to Evans then!!

 

[rooel]

keithhazel: be aware however that on further perusal of the small print I found the following:


motor vehicles

Any electrical or mechanical, power-driven or power-assisted vehicle (including

toys or models). However, this does not include any electrical or mechanical,

power-driven or power-assisted toys, models, golf trolleys or garden machinery

which are controlled by someone on foot, any electrical or mechanical

power-driven or power-assisted wheelchairs, or any battery-operated toys or

models which are designed for use by children under ten years of age.

And have therefore sent eSure the following query the answer to which I shall post sometime, I hope:

:I have electrically assisted pedal cycles insured as specified items under my house policy,.... and would welcome confirmation that the undernoted definition does not exclude me and my family living with me from public liability cover for damage caused to third parties in the course of their use. As you will know, under the 1983 regulations EAPCs are not treated as motor vehicles for the Road Traffic Acts relating to licensing, insurance, helmet wearing etc.

This highlights the problem we have with the current UK and probably the EU regulations: they do not declare EAPCs to be "pedal cycles", but simply exclude them from certain requirements of the Road Traffic Acts, thus enabling local authorities to ban them from cycle paths (as non-pedal cycles)if they so choose, and train companies to refuse carriage, even although they do carry bicycles.

 

[keithhazel]

Thanks Keith...glad I can still have them laughing in the aisles

Anyway, that's what Forums are for, aren't they - share advice, potentially at the expense of a bit of ****-take?!

I'll get my lardy arse over to Evans then!!

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on line for the £26 job...in person or on phone £10 more

 

[keithhazel]

keithhazel: be aware however that on further perusal of the small print I found the following:


motor vehicles

Any electrical or mechanical, power-driven or power-assisted vehicle (including

toys or models). However, this does not include any electrical or mechanical,

power-driven or power-assisted toys, models, golf trolleys or garden machinery

which are controlled by someone on foot, any electrical or mechanical

power-driven or power-assisted wheelchairs, or any battery-operated toys or

models which are designed for use by children under ten years of age.

And have therefore sent eSure the following query the answer to which I shall post sometime, I hope:

:I have electrically assisted pedal cycles insured as specified items under my house policy,.... and would welcome confirmation that the undernoted definition does not exclude me and my family living with me from public liability cover for damage caused to third parties in the course of their use. As you will know, under the 1983 regulations EAPCs are not treated as motor vehicles for the Road Traffic Acts relating to licensing, insurance, helmet wearing etc.

This highlights the problem we have with the current UK and probably the EU regulations: they do not declare EAPCs to be "pedal cycles", but simply exclude them from certain requirements of the Road Traffic Acts, thus enabling local authorities to ban them from cycle paths (as non-pedal cycles)if they so choose, and train companies to refuse carriage, even although they do carry bicycles.

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the answer will be interesting, i hope im wrong but i think for once im right..

 

[rooel]

I asked eSure if my home and contents public liability cover applied to a "motorised" bicycle (specifically an EAPC), and they have replied that the cover is not affected by use of such vehicles. From that I assume that any damage caused by me or members of my family living at the same address while using an EAPC will be covered in the same way as damage caused by other means (eg stepping off the pavement causing cars to collide). The only exception therefore will be use of a "motor vehicle" for which third party cover is required anyway.

 

[keithhazel]

I asked eSure if my home and contents public liability cover applied to a "motorised" bicycle (specifically an EAPC), and they have replied that the cover is not affected by use of such vehicles. From that I assume that any damage caused by me or members of my family living at the same address while using an EAPC will be covered in the same way as damage caused by other means (eg stepping off the pavement causing cars to collide). The only exception therefore will be use of a "motor vehicle" for which third party cover is required anyway.

--------------------------------------------------------------------------funny how the same question to different insurance companies gets totally different answers..

 

[rooel]

Nothing strange about the different answers: each insurance company has its own terms and conditions.

 

[UrbanPuma]

The London Cycle Campaign offers free 3rd party insurance as part of their membership. Check it out at London Cycling Campaign - London Cycling Campaign

Not sure if it applies to electric bikes though.