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  • 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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  • 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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