Uk bike Insurance

[LFB01]

I had a quick search and could not find much.

Do uk riders insure your bikes separately (from house insurance) if so which companies have you used?
Thanks Tom

 

[Beekeeper]

I had a quick search and could not find much.

Do uk riders insure your bikes separately (from house insurance) if so which companies have you used?
Thanks Tom

Our house insurance is with Aviva and it was quick phone call to add the ebikes. They just wanted to know the value of them.

 

[KennyB]

Mine wouldn't. Specialist insurance more than my house insurance, so:
CyclingUK, £24 per year Senior Membership gives me £5m public liability plus legal support.
Litelok wearable lock £85, plus £60 per year insures any bike up to £10k. By the way any insurance policy requires the use of this standard of lock, I believe, so I'd have had to buy something like this anyway.

 

[iainc]

PedalCover - house, contents, bikes.

 

[Jamy]

Mine wouldn't. Specialist insurance more than my house insurance, so:
CyclingUK, £24 per year Senior Membership gives me £5m public liability plus legal support.
Litelok wearable lock £85, plus £60 per year insures any bike up to £10k. By the way any insurance policy requires the use of this standard of lock, I believe, so I'd have had to buy something like this anyway.

that doesn't cover theft does it? I just checked because i went through CyclesUK and not cyclingUK
Cycles UK use assetsure. it cost me £150 for the year on a £3000 bike. Aswell as theft I'm covered for public liability, medical plus legal expenses

 

[Beekeeper]

A bit more detail...
Aviva added 2 ebikes to house insurance. They wanted to know value of the most expensive one. They said we must have them locked to a permanent structure when out and about.
They charged between £60-£70 (Total for both bikes)

 

[KennyB]

that doesn't cover theft does it?

Theft is covered, but only theft. Insurance on a Levo Comp would have been over twice your payment.

 

[Jamy]

Theft is covered, but only theft. Insurance on a Levo Comp would have been over twice your payment.

can you point me to the web site, for future reference?
I've been here Insurance | Cycling UK but it says nothing of theft. just third party liability

 

[KennyB]

can you point me to the web site, for future reference?
I've been here Insurance | Cycling UK but it says nothing of theft. just third party liability

Theft protection through Litelok, 3rd party liability as you say.

 

[arawa]

£40 extra cost on my NFU house policy. Must be locked (lock not specified) to a solid structure when left out of the house.

 

[Levo Laland]

Legal and General home insurance charged me £60 to add the bike as a specific item.

 

[Gee tomac]

As already mentioned, Pedalcover highly recommended for combined bike & house insurance. Been with them the last 3 years

 

[Pyr0]

I went with cycleplan

 

[mark1a]

I’m with Laka and have £11.5k on cover (eMTB plus road bike) for anything between £25 - £40 a month. The premium varies because they calculate what they’ve paid out each month and your individual premium is a proportion of it based on the value covered. Covers crash, theft from home or outside, bikes do not need to be locked if indoors or in locked vehicle, stipulation is sold secure gold lock if outside (if you ever let it out of your sight).

Visit for quote using this referral link and if sign up both of us will get a £25 credit on the account.

Get £25 Laka Bicycle Insurance Credit | Join the pack

Your friend has invited you to get £25 credit. Use this link to claim your credit and your £25 will be taken off future bills. Join the pack.

my.laka.co

 

[jimbo255]

I’m with Laka and have £11.5k on cover (eMTB plus road bike) for anything between £25 - £40 a month. The premium varies because they calculate what they’ve paid out each month and your individual premium is a proportion of it based on the value covered. Covers crash, theft from home or outside, bikes do not need to be locked if indoors or in locked vehicle, stipulation is sold secure gold lock if outside (if you ever let it out of your sight).

Visit for quote using this referral link and if sign up both of us will get a £25 credit on the account.

Sign up to Laka and get £25 referral credit!

Just signed up, living in ~London they seemed the best value (well we will see!) . In good forum style I used your referral code and hope that someone will use mine

Sign up to Laka and get £25 referral credit!

 

[mark1a]

Just signed up, living in ~London they seemed the best value (well we will see!) . In good forum style I used your referral code and hope that someone will use mine

Sign up to Laka and get £25 referral credit!

Thanks very much, thankfully I’ve not had a reason to claim, but the whole process seems very straightforward and I like the pricing model.

 

[SquireRides]

CycleScheme just offered me insurance with their partner for the new bike. £50 a month!!!!!

 

[#lazy]

Just signed up, living in ~London they seemed the best value (well we will see!) . In good forum style I used your referral code and hope that someone will use mine

Sign up to Laka and get £25 referral credit!

I’ve heard about these pyramid scams

 

[Doomanic]

Bike added to Lloyds home contents insurance. Covered for theft from the house/garage and car (but not when parked on the drive) with no security requirements. Must be locked if left parked. Also icludes accidental damage cover. £33 for the year. New for old policy.

 

[Dave976]

Bike added to Lloyds home contents insurance. Covered for theft from the house/garage and car (but not when parked on the drive) with no security requirements. Must be locked if left parked. Also icludes accidental damage cover. £33 for the year. New for old policy.

I come back after 2y on this thread , can I ask how it can be so cheap?
I'll check by myself as well, but 33 pounds per year including other stuff at home seems weird.

 

[Doomanic]

£33 extra, not for the whole policy...