Bicycle insurance
 

So it's been stated here many times that cyclists generally have good
enough insurance cover - of the same standard as that mandated for
drivers - through their home contents insurance.

The London Cycling Campaign disagrees:
http://www.bbc.co.uk/news/business-15892074

" Household insurance policies are general insurance. They do not
provide specialist cover that you might need whether it's for theft or
for third party. "

--
David Cantrell | semi-evolved ape-thing

Bicycle insurance
 

On Sat, 26 Nov 2011 11:28:52 +0000, David Cantrell
wrote:
" Household insurance policies are general insurance. They do not
provide specialist cover that you might need whether it's for
theft or
for third party. "

I assume that was written by an insurance company as my home
insurance *does* cover cycle theft and third party risks while
cycling. I specifically confirmed it with them.

Neil

--
Neil Williams, Milton Keynes, UK

Bicycle insurance
 

On Nov 27, 1:18*pm, Neil Williams wrote:
On Sat, 26 Nov 2011 11:28:52 +0000, David Cantrell

wrote:
" Household insurance policies are general insurance. They do not
* provide specialist cover that you might need whether it's for
theft or
* for third party. "

I assume that was written by an insurance company as my home
insurance *does* *cover cycle theft and third party risks while
cycling. *I specifically confirmed it with them.

Neil

--
Neil Williams, Milton Keynes, UK

Ordinary household insurance will cover bicycles, providing they are
properly secured. In other words, locked in the house, shed or garage.
One exception might be if you have a six-grand carbon-fibre race bike,
but I would assume anyone shelling out that sort of cash would make
specfic insurance arangements.
A problem might occur if your bike was nicked from your place of work,
or your kid's bike was taken from their school. I have heard cases
where household insurers and even some bike-specific insurers, would
refuse to pay up unless it was locked in a secure, user-only
accessible compound with CCTV. As most workplaces or schools don't
have this sort of setup, or wouldn't be investing the money in
installing one, this could be a worry

Neill

Bicycle insurance
 

In article
,
(neill) wrote:

On Nov 27, 1:18*pm, Neil Williams wrote:
On Sat, 26 Nov 2011 11:28:52 +0000, David Cantrell

wrote:
" Household insurance policies are general insurance. They do not
* provide specialist cover that you might need whether it's for theft
* or for third party. "

I assume that was written by an insurance company as my home
insurance *does* *cover cycle theft and third party risks while
cycling. *I specifically confirmed it with them.

Ordinary household insurance will cover bicycles, providing they are
properly secured. In other words, locked in the house, shed or garage.
One exception might be if you have a six-grand carbon-fibre race bike,
but I would assume anyone shelling out that sort of cash would make
specfic insurance arangements.
A problem might occur if your bike was nicked from your place of work,
or your kid's bike was taken from their school. I have heard cases
where household insurers and even some bike-specific insurers, would
refuse to pay up unless it was locked in a secure, user-only
accessible compound with CCTV. As most workplaces or schools don't
have this sort of setup, or wouldn't be investing the money in
installing one, this could be a worry

It depends on the policy. The Co-Op is reckoned to have good cycle cover on
domestic policies. I've not had problems with claims for bikes locked but
not to anything solid stolen in the street in the past but I do have loops
on the house to lock bikes to now.

--
Colin Rosenstiel

Bicycle insurance
 

On 27/11/2011 19:43, neill wrote:
On Nov 27, 1:18 pm, Neil wrote:
On Sat, 26 Nov 2011 11:28:52 +0000, David Cantrell

wrote:
" Household insurance policies are general insurance. They do not
provide specialist cover that you might need whether it's for
theft or
for third party. "

I assume that was written by an insurance company as my home
insurance *does* cover cycle theft and third party risks while
cycling. I specifically confirmed it with them.

Neil

--
Neil Williams, Milton Keynes, UK

Ordinary household insurance will cover bicycles, providing they are
properly secured. In other words, locked in the house, shed or garage.
One exception might be if you have a six-grand carbon-fibre race bike,
but I would assume anyone shelling out that sort of cash would make
specfic insurance arangements.
A problem might occur if your bike was nicked from your place of work,
or your kid's bike was taken from their school. I have heard cases
where household insurers and even some bike-specific insurers, would
refuse to pay up unless it was locked in a secure, user-only
accessible compound with CCTV. As most workplaces or schools don't
have this sort of setup, or wouldn't be investing the money in
installing one, this could be a worry

Neill

Many household policies also have liability cover for policy holder and
family to give cover for incidents such a falling branches from trees
injuring 3rd parties.

This cover often extends to incidents involving non mechanically
propelled vehicles. I checked with my insurers and I and my family would
be covered if we injured a 3rd party whilst riding a bike.
They would even cover my children at university as long as permanent
address was 'home'.
Bikes were covered against theft as long as adequately locked (to fixed
object).

I've no doubt that the insurance offered via London Cycling Campaign
should give a better level of cover, but I'm told that surprising
numbers of insurance policies give what most would consider to be
adequate insurance for incidents that occur when cycling.

I wrote something about this issue nearly 10 years ago for Cambridge
Cycling Campaign.
see:
http://www.camcycle.org.uk/newslette...article10.html

Jim Chisholm


Jim Chisholm

Jim Chisholm

Bicycle insurance
 

On Sun, Nov 27, 2011 at 01:18:25PM +0000, Neil Williams wrote:
On Sat, 26 Nov 2011 11:28:52 +0000, David Cantrell
wrote:
" Household insurance policies are general insurance. They do not
provide specialist cover that you might need whether it's for
theft or
for third party. "
I assume that was written by an insurance company as my home
insurance *does* cover cycle theft and third party risks while
cycling. I specifically confirmed it with them.

You didn't read the article, did you? That was "Tom Bogdanowicz, from
the London Cycling Campaign".

--
David Cantrell | Cake Smuggler Extraordinaire

Seven o'clock in the morning is something that
happens to those less fortunate than me