Bike and Kit Insurance

[Rob]

I have my bike insured but i was wondering if the insurance also cover all the accessories like lights etc especially if you pay £200 and break them in a fall, if not does anyone have insurance that covers both?

[xybadog]

My insurance with Cycleguard covers certain extras and fittings, but only if included, and itemised, when taking out the insurance.

[Rob]

With the House insurance it says

Trek Fuel EX 5.5 Sum Insured - £900
Unspecified Personal Possessions- £2,601.13

Im guessing Unspecified Personal Possoessions is all my accessories etc, theres no small print so im not sure.

[sikora]

I find all cycle insurers to be pretty vague in the small print.
I would like to get my bike covered, but i'd like it to be covered while on the back of the car - cant seem to find anything about this with the companies i've looked at.

[Oggy]

Mines insured for its full value in the house but not outside the house.

Think to get it insured outside the house is fairly costly so aint bothered, never leave it un-attended when outside the house, my only worry is the van getting broken in to with the bike in it, then would i be able to claim on the van insurance (carnt really ask the insurance company either due to it being a company van on company insurance).

[sikora]

I keep my bike in the house anyway. So i'd be more interested in the specific cycle insurance that covers for accidental damage

[xybadog]

Rob - I think you'll find that the "Unspecified Personal Possessions" on your House Insurance are nothing to do with bike accessories. It's other non-itemised items from within the house, though you should be able to claim for them if they were nicked from the house.

Sikora - Cycleguard allow for the bike to be covered when on or in a vehicle. See this linky. They also cover up to £5000 accidental damage.

[Rob]

I thought that might be the case, they have stated it twice within the house insurance with 2 different ammounts.

[sikora]

Sept 7, 2008 9:41:11 GMT @xybadog said:

Sikora - Cycleguard allow for the bike to be covered when on or in a vehicle. See this linky. They also cover up to £5000 accidental damage.

But they state this: The bicycle is stored out of sight, or is secured through the frame using an approved lock, to the roof or bike rack

As far as i'm aware, no one makes approved cable locks.
My Thule rear cycle carrier has a lockable clamp for the bike, but i doubt its approved, and at the same time, theres nothing to stop the whole carrier being removed with the bike attached.

[martinw]

I think the best thing to do would be to email them and ask them what is approved, email them some pictures of your bike rack amd the locks and see what they say.

If they say your rack lock isnt good enough ask them to supply you with details of a cable lock that is suitable and that wont invalidate your insurance in the event of a claim.

[xybadog]

Here's the list of Approved Locks, as used by all insurers - LockList

I use a D-lock, from the list, that only cost me £25 and could also be easily used on a bike rack. Another alternative would be an approved chain and padlock.

[Rob]

This is now the grade works in the Locklist List.

Bronze - £250 or less replacement Value
Silver - Less that £1500 replacement Value
Gold - £1500 or more replacement Value