Bike Insurance

Went with LAKA in the end. If anyone needs a code, I'm yer man

https://my.laka.co/LBIGY

thanks

I ended up just sticking the house stuff on Admiral to get some cover. Cost about £60/year. They are pretty shit though so don't cover the Shiv but should just about cover the two next most costly bikes. They have a total bike limit of 11k I think and a per-bike limit of 5.5k for bikes over 1k. I'm sure I'll have fun arguing with them that wheelsets are separate items...

Looking at getting some public liability insurance. Wiggle are offering £2m cover and £10k personal, for £24p.a. Any reason why I shouldn't?

any experience with these guys?
http://www.backpedal.co

We have a pedal cover bolt on on our JL home and contents insurance policy (about £6 a year IIRC). Standard pedal cover is max £500 but you can add more expensive bikes onto the home policy which would then be coved by the pedal cover. Looking at approx £50 a year for two £1200 (new value) bikes that would be covered outside of the home. It's very unlikely that any of our other bikes would be getting locked up outside of the home so this seems reasonable.

Any red flags i should be aware of? In the event of a claim could we be hit with a significant home insurance premium increase on renewal?

https://www.lfgss.com/comments/16195611/­

Any one have any experience of insurance claims due to bike being stolen while travelling by train? Your usually not allowed to lock your bike on trains.

You might already be covered if you have LCC membership, with max £5m cover.

laka code if any one wants one
https://my.laka.co/N746G

Not a bad point but then if your whole garage is emptied then you're fucked.

Even then, there's still probably a point where you've 'bought the bikes again' with insurance payments.

I'm more attached to my bikes for sentimental reasons as well, so if they're gone, buying a new bike with insurance money isn't going to replace what I've lost.

I also have no garage. OMG my whole garage is gone!