Theft of cycle by mugging

Posting in the hope that someone has experience of this.  I've just had an expensive (£2500) bike stolen by being forced off the road and robbed at knifepoint.  I am not harmed and I was not too worried because I insured the bike as a separate item both at home and away from home.  Having just read my policy documents (yes, I know, but I'm not the only one who checks the small print too late), the bike is apparently only insured when it is locked inside a building or to an immovable object. I specifically chose "outside home" insurance in case this kind of thing happened. The home policy provider is Admiral.  Any words of wisdom from forum members?


  • Aretnap
    Aretnap Forumite Posts: 4,936
    Part of the Furniture 1,000 Posts Name Dropper
    Assuming your policy wording is the same as the current one on Admiral's website the "locked to an immovable object" exclusion only applies when the cycle is left unattended. Which makes sense - otherwise it wouldn't cover accidental damage while you were riding it etc as well as mugging.

  • GipsyRacer
    GipsyRacer Forumite Posts: 17
    Ninth Anniversary 10 Posts Combo Breaker
    Good point about unattended. This wording does not appear on the policy document!
  • CSI_Yorkshire
    CSI_Yorkshire Forumite Posts: 1,792
    1,000 Posts Photogenic Name Dropper
    If that wording doesn't appear on your documents, then what wording does?
  • DullGreyGuy
    DullGreyGuy Forumite Posts: 6,175
    1,000 Posts First Anniversary Name Dropper
    Good point about unattended. This wording does not appear on the policy document!
    What is the wording in your policy? Looking at Admirals website each Standard Home insurance policy issued in the last 15 months has the exclusion limited to unattended bikes. Didn't look at their higher tier policies as would expect them to have more liberal wording not tighter. 

    If not, when did the policy incept and is it standard, Gold or Platinum?
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