Cargo Bikes

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Vince in reply to @stevo_com

I did the same for my bikes.

Admiral Insurance let you name individual bikes up to £3,500 IIRC on their home policy.
Bikes are covered inside & outside but you need a Sold Secure gold bike lock (or above).
I can't see any mention of excess on the paperwork.

Cost for home insurance (building+content) + those 2x bikes = £236

I think Laka & others bike insurance specialist want around 10% of the value of the bike per annum so there's a saving to be made but as always T&C apply and NFA

In addition, I would recommend getting a tracker for the cargo bike for added peace of mind.

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thanksbye in reply to @Vince

You might want to check to see if they apply average/underinsurance.

They may reduce the settlement in the event of a partial loss claim.

( Assuming the Douze is worth more than £3500)

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Vince in reply to @thanksbye

From memory, the Douze was 4,500€ excl. VAT back in 2015 or 2016.

Prices have now doubled and the exchange rate is appalling however knowing how insurance companies work, they'd likely ask for the bill of sale then apply some depreciation so if anything, £3,500 is over valued

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