Bicycle Insurance

Bicycle Insurance Quotes, Affordable Bicycle Insurance Directory

UK insurance directory listing affordable bicycle insurance companies, under multiple keywords, search our website for insurance brokers and insurance companies

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Bicycle Insurance

Bicycles have a long history of being stolen by thieves and there are an enormous quantity stolen each year. Also, bicycles are light weight and can be quickly stolen. Your home insurance should be able to provide cover for your bicycle. On the internet home cover contents insurance can be discounted up to 15%. You can also compare bicycle insurance online and obtain the best deal for you. These comparison sites provide you with instant online quotations and the premiums are easy to compare. Bicycle insurance can also cover the cost of accessories and if you have a very expensive bicycle, a specialist bike insurer will be able to help. Cover can be obtained from some bicycle insurance companies for bicycles costing thousands of pounds as a stand alone policy. Some bicycle insurance policies cover the bicycle, provide public liability insurance and children over a certain age can be covered.

Types of bicycles covered are:
• normal bicycles
• push bikes
• mountain bikes
• sports bikes
• road bikes
• child bikes

On the internet you can compare bicycle insurance providing competitive quotes. You may be an active cycling enthusiast or have a leisure pursuit or be passionate about sports. Some bicycle owners are everyday commuters and for these cyclists, bicycle insurance is essential.

Bicycles are normally stolen once every minute according to national statistics. The purchase price of a bicycle can be low and some bicycles are very expensive. However, the average price of a bicycle is a few hundred pounds and can turn out to be expensive when stolen. Bicycle insurance is important to reduce the risk of loss but check how the insurance excess affects the premium amount. Every bicycle owner has to consider protecting the value of their bicycle and protect against third party liabilities.

It is not only in the street that your bicycle can be stolen, it can also be stolen from your office, factory and home. A good home insurance policy should cover the cost as previously stated but the cover may not extend to use outside the boundaries of the house. Almost all bicycles are stolen away from the house or flat and a standalone specialist bicycle policy may be the best option. Even if your bicycle is fully locked, there is a high chance that the bicycle or parts of the bicycle will be stolen sometime during the insured period.
If your bicycle is stolen, always immediately inform the police and obtain a crime number for reporting to the insurance company. If not reported to the police normally within 24 hours, your entitlement to the insurance claim could be lost. Try to keep the make, model, serial number and purchased invoice handy. Also, take photographs of the bicycle and accessories.

Tips:
• use designated areas to lock up your bicycle
• use a bicycle rack
• the area must have good lighting
• use open public spaces with plenty of visibility
• at home lock the bicycle up to something which does not move
• install strong bolt hooks in the house to chain your bicycle to
• store the bicycle in brick or stone built garages
• make sure that the locks on the garage are strong and the windows are protected with metal grills
• locking devices must be made out of hard steel and the lock closing mechanism should be tight.

The owner of the bicycle can also register the bicycle with an authorised agency and provide them with the serial number/model, etc. If the burglar needs to dispose of the stolen bike, it will be easier to trace.
The bicycle can be marked or engraved in order to identify it easily. The identification can also be by means of an ultraviolet pen. The owner’s postcode and telephone number could be marked in one or two places.

The cyclist is recommended to read the insurance policy and what liabilities are covered. There is the highway code to be studied. The person who normally causes the accident has to pay all costs and the injured party may be able to claim for medical costs, loss of income, etc.

If there is a road accident, the cyclist is reminded to take the car registration number, name of person driving and any photographs. The police will have to be informed as soon as possible to the accident are if there is any damage or injury.

Cycleguard offer great value bicycle insurance - Read more

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