Road Bike Contents Insurance

While some home insurers will include cycle cover on their policies as standard often the bike is only insured if it is inside the property or secured properly in an outbuilding like a shed or garage.

Road bike contents insurance. This will depend on the insurer you have your contents policy with. Many insurers will cover bicycles but it s important to know what level of cover you have. Decide on what you want cover for and don t pay for what you don t need. There are numerous companies offering bike insurance some as stand alone bike insurance products and others as a supplement to a home and contents policy.

Ami bike cover then costs an additional 5 of your bike s value each year. Assuming that a bike is covered under home contents insurance is a mistake. Insurers such as direct line sainsbury s and aviva allow contents policies to be extended to cover e bikes from the likes of gtech raleigh gocycle and many others. Even if the value of your bike and all its accessories is minimal therefore covered by home and contents insurance the most important item to check your policy for is liability cover.

If you already have contents cover in place it makes sense to add your bike s to your policy. Combining home and bike insurance under one policy cuts the hassle and expense of dealing with separate providers and it can be much more cost effective. Too many cyclists assume their bike is automatically covered under their home contents insurance but that isn t always the case. However most contents policies will not cover expensive bikes or when you take them away from home unless you pay extra.

To get ami bike cover you need to first have an ami advanced contents policy with us. If your bike is over your policy s unspecified item limit you may want to consider specifying it to increase the level of cover. Depending on what you want cover for there are many different ways you can choose to insure yourself and your bike. If you re an aa insurance customer your bike is covered under your contents policy for up to 5 000 excluding accessories.

Do i need special insurance for an electric bike or e bike.