Insuring bikes in sheds

[John]

I'm in the process of looking for a new house, currently I store bikes
in a garage, but it's quite likely the next place won't have one. My
current insurers demanded that the bikes were in something attached to
the main house, which the garage was.

If I move somewhere without a garage I'd like to use either a sturdy
shed or one of those trimetals bike stores. Could anyone recommend an
insurer that would insure them? I've got 4 bikes, one which is worth
about 10p but the rest about 3K all together.

Ta

John

 

[David Martin]

John wrote:
> I'm in the process of looking for a new house, currently I store bikes
> in a garage, but it's quite likely the next place won't have one. My
> current insurers demanded that the bikes were in something attached to
> the main house, which the garage was.
>
> If I move somewhere without a garage I'd like to use either a sturdy
> shed or one of those trimetals bike stores. Could anyone recommend an
> insurer that would insure them? I've got 4 bikes, one which is worth
> about 10p but the rest about 3K all together.
>

Lock them in a shed to a post set in to the ground. Apart from a cheap
hack bike you don't use, which you lock up outside the shed on the
basis that teh theif will take that rather than break in to the shed.

Obviously there are different grades of shed: a precast concrete
bunker may be the best option to resist entry.

...d

> Ta
>
> John

 

[Peter Clinch]

John wrote:

> If I move somewhere without a garage I'd like to use either a sturdy
> shed or one of those trimetals bike stores. Could anyone recommend an
> insurer that would insure them? I've got 4 bikes, one which is worth
> about 10p but the rest about 3K all together.

We use M&S, and while we needed a "premium" rather than "Standard" to
cover stuff in our separate garage, they would cover it. Individual
bikes up to 4K each covered.

Pete.
--
Peter Clinch Medical Physics IT Officer
Tel 44 1382 660111 ext. 33637 Univ. of Dundee, Ninewells Hospital
Fax 44 1382 640177 Dundee DD1 9SY Scotland UK
net [email protected] http://www.dundee.ac.uk/~pjclinch/

 

[PhilO]

> John wrote:
>
> > If I move somewhere without a garage I'd like to use either a sturdy
> > shed or one of those trimetals bike stores. Could anyone recommend an
> > insurer that would insure them? I've got 4 bikes, one which is worth
> > about 10p but the rest about 3K all together.
>
I use AA - they treat bikes as personal possesions and so are insured
even when not locked up. Standard limit is £1500 per bike, but there
was no extra charge for having the Speedmachine covered for £2K, it
was just a named item.

PhilO

 

[Paul Boyd]

On 05/06/2006 15:25, David Martin said,

> Lock them in a shed to a post set in to the ground. Apart from a cheap
> hack bike you don't use, which you lock up outside the shed on the
> basis that teh theif will take that rather than break in to the shed.

Unless the thief knows what he's after. About 10 years ago my expensive
Overburys mountain bike was stolen whilst locked up inside a locked shed
(that's two sets of locks). A cheap hack back left unlocked outside the
shed wasn't touched.

--
Paul Boyd
http://www.paul-boyd.co.uk/