Bicycle Insurance Home Contents

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.

Bicycle insurance home contents. Di p hco six ways to protect your home from thieves contents insurance can cover the cost of stolen belongings but it can t replace items of sentimental value or take away the trauma of a burglary. Adding a bicycle to your home insurance policy too many cyclists assume their bike is automatically covered under their home content insurance but that isn t always the case. Home insurers will often only cover bicycles for accidental damage and theft and may not cover damages that occur away from the home. These products include home contents policies stand alone bicycle insurance and travel insurance policies.

If you already have contents cover in place it makes sense to add your bike s to your policy. 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. Strata home contents insurance policy wording and pds for policy numbers starting with. Each type of policy is different and each insurer has different inclusions and exclusions.

If you are a cyclist insurance products are available to help cover you for financial loss and liability in different circumstances. Bicycles are often covered as standard by home contents insurance policies but it s important to check they offer the cover you need. If you require these features you can usually add them on to your policy as an optional extra. 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.

Some of these items may be partially covered by home insurance indicated with a however each policy is different and it may not be covered to the same degree the specialty insurance would cover this. As a rule a home contents insurance policy will in the first instance give you back a new bicycle equivalent to the specifications of the one you originally bought if it s stolen or damaged beyond repair no matter how old it is usually via a retailer of the insurer s choice. 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. Home and contents plus bicycle insurance providers your home contents policy may cover your bicycle while it s at home but it may leave a gap in cover when you re out and about.

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.