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[email protected] · November 27th 11, 07:47 PM posted to uk.transport.london

In article
,
(neill) wrote:

On Nov 27, 1:18*pm, Neil Williams wrote:
On Sat, 26 Nov 2011 11:28:52 +0000, David Cantrell

wrote:
" Household insurance policies are general insurance. They do not
* provide specialist cover that you might need whether it's for theft
* or for third party. "

I assume that was written by an insurance company as my home
insurance *does* *cover cycle theft and third party risks while
cycling. *I specifically confirmed it with them.

Ordinary household insurance will cover bicycles, providing they are
properly secured. In other words, locked in the house, shed or garage.
One exception might be if you have a six-grand carbon-fibre race bike,
but I would assume anyone shelling out that sort of cash would make
specfic insurance arangements.
A problem might occur if your bike was nicked from your place of work,
or your kid's bike was taken from their school. I have heard cases
where household insurers and even some bike-specific insurers, would
refuse to pay up unless it was locked in a secure, user-only
accessible compound with CCTV. As most workplaces or schools don't
have this sort of setup, or wouldn't be investing the money in
installing one, this could be a worry

It depends on the policy. The Co-Op is reckoned to have good cycle cover on
domestic policies. I've not had problems with claims for bikes locked but
not to anything solid stolen in the street in the past but I do have loops
on the house to lock bikes to now.

--
Colin Rosenstiel