Bike Insurance

Anyone use cycleguard?

i do

Cycleguard: Almost £700/year to insure my bikes!!!!! Are they having a fscking laugh?!?!?!

no, you have 85 bikes totalling £45,000 in value, all kept in a bedsit in a bad neighbourhood.

I'd say it's a good deal

No, those cunts wouldn't insure more than 3 bikes (at the value i require). Extra for EU, Extra for international, extra for 3rd party.. fkn joke.
I really need to sort something out with M&S..

sorry i am cycleguard as well. 3 bikes (fixy, tt and road) value of £10 000 so just what i need.

i know there is cycle insurance through the british triathlon website but havent checked it out.

DO NOT use E&L. EVER!!!!! They completey screwed me when my laptop got stolen.

lappiesza sorry i am cycleguard as well. 3 bikes (fixy, tt and road) value of £10 000 so just what i need.
i know there is cycle insurance through the british triathlon website but havent checked it out.

Yeah but how much do you pay per year?

I don't really see a lot of point paying the value of one bike to insure the others. I'd need to total one every year to make it worthwhile. There has to be cheaper options. FFS my car insurance was cheaper!

I've been struggling to get insurance on an old bike. I've got a Le Jeune track (+ just got a Cinelli track and a Salmon pursuit) and no-one I've found will insure them as they are old and the Le Jeune has no frame number. When the name doesn't come up on their computer they say no also.

Anyone know of an insurer that'll cover weirdo old bikes? Must be a common problem.

paul74 Marks & Spencers?? Didn't even know they had insurance.

It's underwritten by HSBC now I think but they offer it as part of M+S Money products.

any one know of insurance for un-numbered bikes?

Whats an un-numbered bike ?
Is it the frame you built yourself ?

http://www.aua-insurance.com/Cycle-Insurance.shtm
http://www.eandl.co.uk/cycle-insurance/

It's the depreciation on an older bike that'll screw anyoune with a 'vintage' track bike. It worries me that they apply depreciation. My bikes from the 80's and I guess i'd end up with fuck all if it got nicked. I guess a better lock is the only solution?

I went with the CLC recommended insurance in the end.
It's through http://www.butterworthinsurance.co.uk

They don't apply depreciation.
Allow for you to the amend value of your bikes as you upgrade.
Provide malicious damage cover and partial theft in their scheme.
The excess is 10% which is less than my old house insurance was.
And they give discount for any additional bikes.

Two bikes worth 1,800 & 1,500 respectively came in at £300 per year.
It would have been less if I have them data tagged.

Oh and chris, they allow for bikes which don't have frame numbers too.

Has anyone on here ever had any experience with Butterworth cycle insurance, the company that provides CTC and LCC insurance?

I've got to sort out some insurance for Saturday when I go back to London, and have narrowed it down to them. Just wanted to know if anyone has had to claim or deal with them at all.

Don't all shout home insurance at me; I'm a student and don't have home insurance so I don't have any option except to get cycle-specific cover.

I've never had to claim but I've got 3 bikes insured with butterworths. That may not be much help but at least we'd be in the same mess together if they turned out to be shit ;]

I was insured with Cycleguard, when my bike was stolen they just replaced my bike after a quick phone call.. they also do third party insurance....

They're expensive.

Cycleguard are expensive and they only cover total theft of the bike, not parts like CTC/LCC.

I've read a couple of things online how they've treated people badly. Can't find anything about CTC/LCC bad, just wondered if anyone on here has.

They're pricey - 10% of the bike cost per year in premiums.

Never had to claim, though.

I've never had to claim but I've got 3 bikes insured with butterworths. That may not be much help but at least we'd be in the same mess together if they turned out to be shit ;]

yeah insured my geared years ago with these guys easy to make the claim hard to get the money... theyre only a small company. But have quite a few clients... therefore they sub alot of the claims out to larger companies.

It took me say a dozen phone calls to actually find out who was dealing with my claim. To be fair though theyre not that expensive and once its through the system its relatively painless... ie name the bike shop, butterworth write the cheque and BINGO ££££ you're away.

i'm riding my bike minus insurance at the mo... and it scares theshit outta me... heard good things about M&S home insurance quite a few people have it on here... Lucky etc.

But i think id only want to insure my bikes.

They also have a few conditions in terms of where you leave it locked and at what time.

Shin

yeah insured my geared years ago with these guys easy to make the claim hard to get the money... theyre only a small company. But have quite a few clients... therefore they sub alot of the claims out to larger companies.

It took me say a dozen phone calls to actually find out who was dealing with my claim. To be fair though theyre not that expensive and once its through the system its relatively painless... ie name the bike shop, butterworth write the cheque and BINGO ££££ you're away.

i'm riding my bike minus insurance at the mo... and it scares theshit outta me... heard good things about M&S home insurance quite a few people have it on here... Lucky etc.

But i think id only want to insure my bikes.

They also have a few conditions in terms of where you leave it locked and at what time.

Shin

I can recommend M&S but it really depends on the value of your bikes, it's cheaper for me to use them than a specific cycle insurer and they don't care how many bikes you have, only care about items over £3,000 which you intend to take out of your home regularly. I think it's a great added bonus that now if my home burns down that's covered too, but I wasn't bothered about getting home insurance really, just wanted my bikes to be covered. It would not have been worth it for me if I only had one bike though. They don't seem to stipulate any kind of locking preference for your bike either. You could, it seems, just leave it outside a shop unlocked and it would still be covered if was stolen.

There's no point talking about home insurance... :-/

Don't all shout home insurance at me; I'm a student and don't have home insurance so I don't have any option except to get cycle-specific cover.

@shinscar - so they only wrote a cheque to a particular shop? I'm thinking that I buy parts from multiple places for the best price; not all from one place.

@object - I think I'm just going to have to hope they're good by the looks of it :)

There's no point talking about home insurance... :-/

@shinscar - so they only wrote a cheque to a particular shop? I'm thinking that I buy parts from multiple places for the best price; not all from one place.

@object - I think I'm just going to have to hope they're good by the looks of it :)

yeah one cheque to one shop.