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Bike insurance

  • 05-01-2015 8:43pm
    #1
    Stevieg2009
    Registered Users, Registered Users 2 Posts: 388 ✭✭


    do many of you guys insure your bikes?


Comments

  • #2
    Uncle Ben
    Closed Accounts Posts: 1,843 ✭✭✭Uncle Ben


    Have it included on the house insurance, don't even think it costs extra just has to be named in the policy.


  • #3
    odyssey06
    Registered Users, Registered Users 2 Posts: 34,854 ✭✭✭✭odyssey06


    Home Insurance - with Aviva you can get "all risks" cover for bicycles outside the home as an optional extra for an additional premium. A bicycle up to €500 can be covered under this option.

    If you want to insure a bicycle for more than this amount, it has to be insured as a "specified item", which will have an additional premium based on the value of the bicycle.

    "To follow knowledge like a sinking star..." (Tennyson's Ulysses)



  • #4
    Lusk_Doyle
    Registered Users, Registered Users 2 Posts: 4,338 ✭✭✭Lusk_Doyle


    That all risks cover will not include damage while racing or pacing.


  • #5
    Stevieg2009
    Registered Users, Registered Users 2 Posts: 388 ✭✭Stevieg2009


    I'm kind of talking about insurance for a bike with a high value that will be used for racing this season and insurance to include damage that may be caused should the bike be damaged beyond repair in a crash or the like


  • #6
    Uncle Ben
    Closed Accounts Posts: 1,843 ✭✭✭Uncle Ben


    Nah, the policy I was on about was just for theft, sorry.


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  • #7
    Lusk_Doyle
    Registered Users, Registered Users 2 Posts: 4,338 ✭✭✭Lusk_Doyle


    Stevieg2009 wrote: »
    I'm kind of talking about insurance for a bike with a high value that will be used for racing this season and insurance to include damage that may be caused should the bike be damaged beyond repair in a crash or the like

    Cyclesure.ie.


  • #8
    Stevieg2009
    Registered Users, Registered Users 2 Posts: 388 ✭✭Stevieg2009


    Lusk_Doyle wrote: »
    Cyclesure.ie.

    Yea got a quote from them nothing cheap about it only a bit cheaper then the car tbo and that's valued at around 20k


  • #9
    Lusk_Doyle
    Registered Users, Registered Users 2 Posts: 4,338 ✭✭✭Lusk_Doyle


    Stevieg2009 wrote: »
    Yea got a quote from them nothing cheap about it only a bit cheaper then the car tbo and that's valued at around 20k

    Not much other choice I'm afraid. Put money aside each month instead and build up a new bike fund. When you have enough but have not crashed your bike, go out and get another one anyway.


  • #10
    StevieGriff
    Registered Users, Registered Users 2 Posts: 859 ✭✭✭StevieGriff


    Use Cyclesure for €140 a year and thats with two bikes insured at 1200 each. Haven't had to claim from them...*touch wood*.


  • #11
    aFlabbyPanda
    Registered Users, Registered Users 2 Posts: 1,982 ✭✭✭aFlabbyPanda


    I used http://bicycleinsurance.ie/ as I didn't want to impact my house NCB again.


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  • #12
    magicbastarder
    Moderators, Category Moderators, Arts Moderators, Sports Moderators Posts: 51,645 CMod ✭✭✭✭magicbastarder


    about ten years ago, i was renewing my house insurance - i asked how much it would be to insure my bikes outside the house (€2k and €1.3k new), and it more than doubled the house insurance.
    they were covered when in the house automatically, and my protesting that there would never be more than one bike outside the house (so the maximum claim would be for the €2k bike) fell on deaf ears.
    so i didn't insure them outside the house; by the time damage was done (stove in the frame on the road bike), the cost of repair was one quarter what i'd have paid in insurance anyway.


  • #13
    Macy0161
    Registered Users, Registered Users 2 Posts: 9,621 ✭✭✭Macy0161


    Something to also watch for is how much a claim would hit your no claims on the Home Insurance. I know when I was looking into insuring my phone via the house insurance, on the face of it it looked a great deal - difference a claim would've made to my premium was nearly the value of the phone!


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