Bike insurance - any recommendations

[HSam]

Er, title pretty much says it all. Wondered if anyone knew any insurers who did low cost cover for theft from home and accident?

Sam

[Phil H]

ETA do cover that includes racing as well as the normal 3rd party, theft, accident, Basque separatism.

[HSam]

Will it cover me if the Scots vote for independence?

[Andrew G]

Cover to include racing can be pricey, for obvious reasons.

Always included within house insurance, quite a few cover bikes not as bikes but any pricier item, like jewellery. Covered at home and out when on the bike or it's securely locked.

[HSam]

Yep, have already checked with my home and contents insurance, but they won't cover the value of bikes I need unfortunately. They refused outright. Searching round bike-specific insurance, but all pretty pricey, even with high excess and no race cover...

[Phil H]

Apparently the M&S home insurance includes bikes but only up to around £4,000

[Andrew G]

I used to be with M&S but they have changed their terms and cost was too high. Now with Sainsburys Bank which gave good cover and a big discount with my nectar card.

Worth putting in contents insurance if possible, how long to renewal? Regardless of insurance keep them securely locked with a big chain to a ground anchor.

[HSam]

Thanks all for suggestions.

Tried my home/contents provider again....and spoke to someone who knew their onions this time, so managed to get decent cover. At a price, but not quite as extortionate as bike-specific providers.

Sam