Guide discussion: Bicycle insurance

Anthorn

Highly surprised that ETA (Environmental Transport Association) is not mentioned in the recommendations. They provide an all-in policy including things that others charge extra for such as Public Liability, Accident, even roadside assistance as well as the usual theft.
https://www.eta.co.uk/insurance/cycle/

Re locking the bike by both wheels to a railing mentioned in the article, it all depends on where the lock is placed on the wheel: If the lock is placed around the rear wheel in the triangle formed by the seat post and the struts and around an immoveable object, the only way to take the bike is to break the lock or cut through the rear wheel! So effectively by only locking the rear wheel the frame is locked too.

Careful with insured bikes using the above method though. Insurance companies demand the lock placed around the frame and locked to an immoveable object.

[Deleted User]

olly300 wrote: »

I've always been advised by police and those who work in security to lock a bike individually if it is in a communal area, garden shed or separate out building.

Yes, I always do......except when there's nothing to lock it to. I was just curious whether the insurance would pay out, but it wasn't a scenario that had occurred to them.

derekPrivate

I am shortly going to Tenerife and hiring a bike (to cycle up Mt Tiede). The bike I will be hiring will be an expensive road bike (approx £3000 value). The hire shop does not offer bike hire insurance. Are there any companies that would offer damage/theft insurance ONLY for a hire bike. My travel insurance covers 3rd party and injury etc, but does not cover theft or damage to a hired bike. I will be hiring the bike for 3 days, so do not need anything longer than that.

Thanks

Superscrooge

'Yellow Jersey' do 5 day bike cover. As far as I know they cover hire bikes, but you would need to check?

https://insurance.yellowjersey.co.uk/product/bicycle

It's a good climb up Mt Tiede - Enjoy!

Andrews002

Checked MSE for bike insurance and as they've requested feedback, here it is:  chose the first of two comparison sites at the bottom of the bicycle insurance page, the CycleInsurance comparison site - bought a policy with Eversure.  Whole process really easy and clear text so you know what kind of locks / home security you need so that you don't nullify your insurance.

SDicki

The price checking sites suggested are all good for getting initial names but the prices increase by around 50% when I add in all the additional items required.  Great starter for ten though in checking

Paulinej24

Not mentioned is that members of national bodies get discounts on all sorts of cycle related things, plus all members have liability insurance to cover any injuries or damage caused by you in an accident. You also support an organisation that develoos and campaigns on behalf of cycling. Examples are Cycling UK and British Cycling.