Bicycle Insurance

[dave123456]

I’m in a position where my home insurance doesn’t cover my bikes anymore, has anyone had good experience of insurance.

Theft
Racing
Abroad

Are the areas I’d be most interested in.

Many thanks

[SoliD]

Every year I go through this and every year i end up with home insurance with cover for each of my bikes individually listed, most of the laka, bikmo companies want 70-100 per month, yet home insurance is 600-700 total despite a £26k claim last year( before that it was 300 or so) unfortunately M&S are no longer doing insurance via Aviva who i've been with for the last 5 years or so. Home insurance covers accidetnal damage and theft, but not usually racing.

[Wardy78]

It's not the racing that becomes an issue, in my experience. It's merely riding.

I used to insure my bikes just on my household policy. Full value, theft, accidental damage, even transportation, brilliant.

But then I had an off and did £3k worth of damage. Not covered when actually riding the bike.

So I've had separate insurance ever since. I got taken down last year by another rider and did £7k of damage to my bike. His 3rd party insurance were useless so I had to claim on mine.

[Dannbodge]

I've been with Bikmo for years and they cover all that.

Since then I've moved to cycleplan, mainly because I got massive discount but it covers as much as Bikmo ever did.

On Bikmo I was paying £65pm, now I'm paying £30