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Old 05-14-07, 07:51 AM   #1
wiles9
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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..
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Old 05-14-07, 08:23 AM   #2
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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.
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Old 05-14-07, 09:47 PM   #3
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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.
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Old 05-17-07, 09:03 AM   #4
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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...
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Old 05-17-07, 09:10 AM   #5
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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.
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Old 05-17-07, 09:13 AM   #6
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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!!
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Old 05-17-07, 09:20 AM   #7
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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.
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Old 05-17-07, 09:29 AM   #8
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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..
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Old 05-17-07, 09:30 AM   #9
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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.
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Old 05-17-07, 09:33 AM   #10
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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.
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Old 05-18-07, 10:14 AM   #11
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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.
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