Bicycle Insurance Home Contents

The first thing to do is check whether your home insurance covers your bike already and exactly how strong that cover is.

Bicycle insurance home contents. Strata home contents insurance policy wording and pds for policy numbers starting with. You may be blissfully unaware your bike is covered anyway as many insurers cover bicycles as standard under a contents policy see our home insurance guide to get cheap cover. Different types of bicycle insurance. Standard home contents insurance cover with esure does cover bikes.

Pedal cover is the first and only home and bicycle insurance in the uk and is backed by axa the 2nd largest insurer in the world. Adding a bicycle to your home insurance policy. These are available as upgrades for some cycle insurance policies and mean that if you recieve a puncture or damage your cycle so that you cannot ride it or if the cycle is stolen you can get transport back to your home address with your bicycle so that. Many insurers offer portable cover for specific items away from home if you list them on your policy which can be a cost effective option.

If you already have contents cover in place it makes sense to add your bike s to your policy. There are two main ways to protect your bike via your home and contents insurance or a specific bicycle insurance product. Too many cyclists assume their bike is automatically covered under their home contents insurance but that isn t always the case. If you want cover for your bike when you are out and about personal possessions cover may be an option to consider.

Find out how much it will cost to insure your bicycles for riding in the uk and abroad plus all of your home and contents in a single combined policy. One thing that home insurance certainly won t cover you for is a cycle breakdown policy. There s pros and cons to both. Here is a list of what is covered by some specialty bike insurers that is not normally covered by home insurance or personal contents insurance.

However the most we can cover as standard are bikes that would cost less than 500 to replace as new as long as they are stored on your property. If you have home contents insurance your bicycle might be covered but most policies have several limitations that might make it hard if your bike breaks or is stolen and needs to be replaced.