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Any recommendations for good bicycle insurance?
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Hi - I am wondering if by any chance you might be able to advise on insurance cost? It appears I can't get a quote as it is within members-only area. :-(
Most of not all the major bike insurers will give you a quote on their website, unless they changed it recently, BC use Cycleguard so just go directSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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I was going to put my Ebike on my Tesco home insurance
I had my (conventional) bike on a Tesco Home Insurance policy as well. But I removed it when I took out a new policy around the third year of ownership as it is not worth enough to insure it beyond that. It probably depends on how much the bike is worth. Evans Cycles will only pay out the full amount for the first three years. After that they deduct depreciation, so you have to balance that with the cost of the premiums over several years. It might be better to save the money up instead.0 -
I am actually wondering if there is a possibility to get a bicycle insurance on a packaged bank account instead of AA as I don't drive :-)
Another question is how the insurance amount is calculated? If I get a bike which is broken and repair/rebuild it myself would the insurance cover me? If yes, how the insurance is calculated?0 -
I am actually wondering if there is a possibility to get a bicycle insurance on a packaged bank account instead of AA as I don't drive :-)
Another question is how the insurance amount is calculated? If I get a bike which is broken and repair/rebuild it myself would the insurance cover me? If yes, how the insurance is calculated?
Home insurance is your best bet, I don't know any banks that offer bike insurance.
Insurance firms vary but some do a like for like new bike in the event of a write off for say the first 3 years, then a reduced amount. Some will cover the full value for a longer period. You have to declare the value of the replacement you need e.g. I had my bike insured for £1850 (buy price), then upped it to about £2500 after I got new wheels and then a new groupset as that would be the cost of replacing it with a like for like spec.Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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I read elsewhere that Tesco count the wheels as "accessories"
and thus the cover is limited so check the small print... 0 -
I can see where they're coming from with quick release wheels. Easy to remove in a jiffy if you don't lock your bike up quite right...I read elsewhere that Tesco count the wheels as "accessories" and thus the cover is limited so check the small print...
My hybrid commuter bike has them despite there being no need for them at all, and it's actually a nuisance sometimes. I suppose the manufacturers build them in the same factory as racing bikes so it saves on labour and tooling if they all have the same fitting.0 -
But if you get a puncture on the commute would you rather have QR or not?0
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Techno_Mystic wrote: »I can see where they're coming from with quick release wheels. Easy to remove in a jiffy if you don't lock your bike up quite right...
My hybrid commuter bike has them despite there being no need for them at all, and it's actually a nuisance sometimes. I suppose the manufacturers build them in the same factory as racing bikes so it saves on labour and tooling if they all have the same fitting.
QR and change tube in a couple of minutes or carry spanners around with you for a bolt axle, hmm
For what it's worth you can get locking QR leavers e.g. http://www.wiggle.co.uk/kryptonite-security-wheelboltz/Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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You only need one small, light spanner. A commuter will usually have a backpack anyway so the extra weight is negligible.QR and change tube in a couple of minutes or carry spanners around with you for a bolt axle, hmm
I still have to carry tools anyway, like a multi-purpose Allen key. And, in any case, a commuter probably only travels a short distance that it isn't worth fixing the puncture by the roadside anyway.
Anything else?0
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