Advertise on Bikeforums.net



User Tag List

Results 1 to 11 of 11
  1. #1
    A long distance Newbie wiles9's Avatar
    Join Date
    Apr 2007
    Location
    Spain/Ireland
    My Bikes
    Mountain Bike so far....
    Posts
    103
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)

    Bike Insurance???

    Well... we just realised we are not covered in ANY way, as we are students, with not much of value on us.

    Anyone know any good place to insure my bike, that allows the bike to be out of the UK for more than 30 days, as most seem to only cover up to that length of time. We will be doubling this....

    Endsleigh was one of the places we noticed to bicycle insurance, so going to give them a ring, but i doubt they do more than a certain time out of the UK either..

  2. #2
    Senior Member greenstork's Avatar
    Join Date
    Aug 2004
    Location
    Seattle, WA
    Posts
    584
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    I am covered under my homeowners' policy, according to my insurance company. I found it very difficult to find traditional "travel" insurance that would cover our bikes.

  3. #3
    Long Distance Cyclist Machka's Avatar
    Join Date
    Jan 2003
    Location
    I ride where the thylacine roamed!
    My Bikes
    Lots
    Posts
    37,759
    Mentioned
    18 Post(s)
    Tagged
    0 Thread(s)
    Most homeowners policies cover your bicycle to about $500 worth. If you've got homeowners insurance, but haven't upgraded it to specifically cover bicycles, that's all you've likely got.

    My bicycle is currently covered under All State Insurance, I believe, under an upgraded homeowners insurance policy to cover my bicycle for the price I paid for it.

    But when I lived in Manitoba, I got my homeowner's insurance through CAA (Canadian Automobile Association), and upgraded to cover my bicycle, and also got my travel insurance through them. That worked really well for me. So if you've got an Automobile Association, you might check with them.

  4. #4
    A long distance Newbie wiles9's Avatar
    Join Date
    Apr 2007
    Location
    Spain/Ireland
    My Bikes
    Mountain Bike so far....
    Posts
    103
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Still havent found anything useful... its really hard to get a tour covered for your bike, quite scared about this... if it gets nicked.. well thats me beat for another few years...

  5. #5
    Senior Member
    Join Date
    May 2006
    Location
    The Hague, Netherlands
    My Bikes
    Two Robin Mather custom built tourers
    Posts
    548
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    The CTC's insurer will do just about anything but you'll pay for it.

    http://www.butterworthinsurance.co.uk/

    Personally, coming from someone who was completely paranoid about having our bikes stolen before we left, I would just relax. Take some basic precautions and you'll almost certainly be fine. At worst, why not just invest in a kick ass lock and be done with it. Probably would be cheaper than the insurance and you'll have it when you get home.
    We blog about bike touring, with reviews, tips and cycle touring podcasts at Travelling Two

  6. #6
    A long distance Newbie wiles9's Avatar
    Join Date
    Apr 2007
    Location
    Spain/Ireland
    My Bikes
    Mountain Bike so far....
    Posts
    103
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Ive actually got a huge big lock (seen ppl use on motorbikes haha), plus a good quality thinner one for the wheels.. and my girl has two different locks, same idea, one huge one smaller. So we will be locking them together, total of 4 different good locks.. maybe a bit OTT, but hey..

    Maybe not even just nicked, but trashed lol... i dunno.. seems weird having something that valuable, and not having it insured!!

  7. #7
    Senior Member
    Join Date
    May 2006
    Location
    The Hague, Netherlands
    My Bikes
    Two Robin Mather custom built tourers
    Posts
    548
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by wiles9
    Maybe not even just nicked, but trashed lol... i dunno.. seems weird having something that valuable, and not having it insured!!
    With four locks you'll be fine, I'm sure. For what it's worth we've now been on the road since September and we never felt our bikes were in danger. Even in Morocco the worst we had were kids trying to ring the bells.
    We blog about bike touring, with reviews, tips and cycle touring podcasts at Travelling Two

  8. #8
    A long distance Newbie wiles9's Avatar
    Join Date
    Apr 2007
    Location
    Spain/Ireland
    My Bikes
    Mountain Bike so far....
    Posts
    103
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Thanks for the relief... and that site is pretty good.. Your policy will cost: 204.00 .. pricy enough but good... specially because it extends to over 3 months abroad..

  9. #9
    Macro Geek
    Join Date
    Nov 2003
    Location
    Toronto, Ontario
    My Bikes
    True North tourer (www.truenorthcycles.com), 2004; Miyata 1000, 1985
    Posts
    1,172
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    The advice to get a good lock is spot on. "Good" does not necessarily mean big and bulky. Small U-locks may be more secure than large ones because a thief can't get as much leverage.

    And follow the basic rules for keeping your bike safe. For example, park your bike in well-lit areas where people mill around.

    I have been reasonably careful with my bikes, and have not had one stolen since 1985. These days I use a mid-sized U-lock, plus a cable in high-risk zones.

    Being mindful of security is the best form of bike insurance.

  10. #10
    Banned
    Join Date
    Aug 2005
    Posts
    5,117
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Bike insurance is one of those lines where with a cap of 500 dollars, and a 495 deductible it might just be a business, as long as one didn't have to pay out unless the bike was locked up inside a locked structure, in a good neighbourhood.

  11. #11
    slk
    slk is offline
    Member
    Join Date
    Sep 2006
    Posts
    45
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Quote Originally Posted by wiles9
    Well... we just realised we are not covered in ANY way, as we are students, with not much of value on us.

    Anyone know any good place to insure my bike, that allows the bike to be out of the UK for more than 30 days, as most seem to only cover up to that length of time. We will be doubling this....

    Endsleigh was one of the places we noticed to bicycle insurance, so going to give them a ring, but i doubt they do more than a certain time out of the UK either..
    My bicycle is worth about the deductible on my other insurance policies (auto, home, etc). I'd suggest a good lock or two as the best insurance.

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •