House Insurance, does it cover bikes in garage?
Discussion
Hi,
Quick one, does house insurance normally cover bikes locked in a garage? and is a standard garage lock ok?
I'm thinking of upgrading my bike to one worth quite a bit more, so need to know if I need any additional cover.
I will look up my cover, but if anyone has an ideas please let me know
Thanks
Quick one, does house insurance normally cover bikes locked in a garage? and is a standard garage lock ok?
I'm thinking of upgrading my bike to one worth quite a bit more, so need to know if I need any additional cover.
I will look up my cover, but if anyone has an ideas please let me know
Thanks
when i had my bike nicked from the garage over the summer it did (1k bike) if the bike was worth over £1200 then it had to be declared as an expensive item when taking out the policy. (this was with the home insurance provider of 'the 4th emergency service'
I would check the policy documents and/or give them a call to clarify as all policies are different
I would check the policy documents and/or give them a call to clarify as all policies are different
nfu mutual is running an ad campaign at the moment extolling the virtues of it's policy re: garage contents. The claim it makes goes something along the lines of 'other insurers think it's unreasonable for you to claim you have £5k worth of contents in your garage - we don't' and shows a photo of a 'typical' garage with ghost-outline images of generic bike/mower/power tools etc. It may be worth a closer look [always read the small print].
p.s. - I neither work for nfu, nor have insurance with them, so it's just something I saw in an ad, rather than a personal recommendation.
p.s. - I neither work for nfu, nor have insurance with them, so it's just something I saw in an ad, rather than a personal recommendation.
Check you policy wording: most have a limit on individual items which may or may not cover the value of your bikes depending on blingyness. I'm with Marks & Spencer insurance as they cover any item up to £4k without having to individually name the items. They also offer away-from-home cover which I also have: covers them when they're in the van, etc.
Other insurers apart from M&S also offer similar cover too - Tesco "Finest" comes to mind but sure there are others.
HTH.
Ally
Other insurers apart from M&S also offer similar cover too - Tesco "Finest" comes to mind but sure there are others.
HTH.
Ally
a11y_m said:
Check you policy wording: most have a limit on individual items which may or may not cover the value of your bikes depending on blingyness. I'm with Marks & Spencer insurance as they cover any item up to £4k without having to individually name the items. They also offer away-from-home cover which I also have: covers them when they're in the van, etc.
Other insurers apart from M&S also offer similar cover too - Tesco "Finest" comes to mind but sure there are others.
HTH.
Ally
+1Other insurers apart from M&S also offer similar cover too - Tesco "Finest" comes to mind but sure there are others.
HTH.
Ally
I'm with M&S and their policy is unbelievably simple as you say. Good value too.
It's a real bonus not having to declare anything under £4k.
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