Insurance for cycling?

jonneymendoza · 11 Nov 2016 at 23:01

Hi does anyone have or recommend a insurance provider for cycling and my bike?

I am looking for one that covers mainly accidents, liability and theft.

I read about the british cycling membership but that doesn't include an actual accident insurance for it.

One More Solo · 12 Nov 2016 at 00:17

Bikmo, well priced and great service. I can refer you for a £10 voucher if you want, but I would recommend them regardless, they were great when I had my off.

jonneymendoza · 12 Nov 2016 at 15:44

quality i will take a look

FrenchTart · 12 Nov 2016 at 17:04

Another vote for Bikmo. They're great.

whyscotty · 12 Nov 2016 at 17:10

Bikmo here

BennyC · 14 Nov 2016 at 12:36

Bikmo.

/search you monster

lemonade · 14 Nov 2016 at 12:40

How much on average is cycle insurance?

#Chri5# · 14 Nov 2016 at 13:15

lemonade said:
How much on average is cycle insurance?

Entirely depends on the value of your bike(s) and for most insurers, your home location (ie risk).

topgun06 · 14 Nov 2016 at 14:58

I've looked briefly at this before and got a quote of £505. Then I stopped looking. Possibly foolishly. I'll look at getting them cover under the home insurance.

BennyC · 14 Nov 2016 at 19:29

^ Perfectly fine solution if you literally just want to insure the value of a bike(s) secured at and/or away from home.

But if you want liability insurance, personal injury, accessory cover, bike box cover, travel & activity insurance, coverage whilst racing etc etc then a simple home policy won't be that comprehensive.

British Cycling do offer Liability Insurance as part of their paid for packages which start at about £25 a year if I recall.

neil_g · 14 Nov 2016 at 19:44

topgun06 said:
I've looked briefly at this before and got a quote of £505. Then I stopped looking. Possibly foolishly. I'll look at getting them cover under the home insurance.

depends on the value of your bike(s), my home cover standard protection for bikes doesn't even come close to covering it without loading the premium. riddled with other limitations and lacking features too.

topgun06 · 15 Nov 2016 at 10:33

I was with the AA last year for home insurance and they insured the bikes for a decent price. I cant remember all the specifics.

I'll probably do the same with my new insurer and get the BC liability cover. I had it a few years ago but didn't renew.

lemonade · 15 Nov 2016 at 10:54

I just did a quick online qoute for my bike valued at £400, premium is £62.

topgun06 · 15 Nov 2016 at 11:38

15.5% of the value of your bike.

Jumps to 61% of the value for a bike worth £100. But I guess that end of the market wont be looking for insurance.

jonneymendoza · 15 Nov 2016 at 17:51

Quality

BennyC · 15 Nov 2016 at 18:49

BoughtByMany got me 10% off my Bikmo policy for the first year

ristac · 15 Nov 2016 at 23:44

Out of curiosity I checked with my home insurer Aviva my bike is covered under external or outbuilding cover up to the value of £2000 I can add away from home cover for an extra £8.5 no doubt it has limitations but I thought that was pretty good.

Liability insurance £16 for a year
http://www.money.co.uk/bicycle-insurance/bicycle-liability-insurance.htm

Jono · 16 Nov 2016 at 08:45

Mine are insured via home insurance, also Aviva. Up to the value of £3500 per bike (more than my bikes are worth) - Away from home (if locked), in a vehicle, full accidental damage etc.
Liability insurance is with whatever CTC is/was called, though probably covered on home insurance policy too.

neil_g · 16 Nov 2016 at 10:48

topgun06 said:
I was with the AA last year for home insurance and they insured the bikes for a decent price.

what sort of value cover? im with AA and found their standard cover lacking and any additions weren't that good value.

jonneymendoza · 16 Nov 2016 at 10:53

Does Bikmo cover liability as well as theft and accidents?