Discussion
. If you have household contents insurance, you may have cover already.
Not all policies are the same - you need to check your own.
My contents policy has a section for items kept in sheds and outbuildings and the bikes not in use are covered for theft under this section.
It also has a section for items outside the home, the bikes are covered under this section up to a certain item limit (which can be changed by specifying high value items) There are conditions regarding locks.
I also have a public liability cover section which covers cycling (except as a professional racer)
Not all policies are the same - you need to check your own.
My contents policy has a section for items kept in sheds and outbuildings and the bikes not in use are covered for theft under this section.
It also has a section for items outside the home, the bikes are covered under this section up to a certain item limit (which can be changed by specifying high value items) There are conditions regarding locks.
I also have a public liability cover section which covers cycling (except as a professional racer)
Some household insurance companies will not cover bikes over a certain value. when I bought a new bike last year my household insurance would not cover it - I ended up going ith Bikmo which costs me about £330 a year - more than insuring either of my cars 
On the plus side when I renewed my household insurance I moved my other named bikes (about £4k worth) to Bikmo and my household insurance was reduced by about £200 so the net cost of insuring my bikes is £130 - this covers £9k woth of bikes at home and £5k of bikes away from the home/in use.
On the plus side when I renewed my household insurance I moved my other named bikes (about £4k worth) to Bikmo and my household insurance was reduced by about £200 so the net cost of insuring my bikes is £130 - this covers £9k woth of bikes at home and £5k of bikes away from the home/in use.
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