Bicycleinsurance.ie/ bike lock query

yeahscience · 12-09-2014 07:54PM #1

Hi guys,

Just posting to see if any of you have experience with insuring your bike while at staying at college halls of residence?

I will be staying at the Trinity College halls of residence and bikes are not allowed into the rooms/ apartments as set down in the guidelines. Instead, there is a bike-rack available for residents.

I emailed bicycleinsurance.ie and they said that the bike has to be stored in a self-contained lockable private room in the halls of residence.

Does this mean that I cannot insure my bike with them? I'm guessing that if my bike was stolen while locked to a bike-rack at the college the claim would valid (with a bike lock that they deem valid) - It is a little confusing in this regard.

They are by far the cheapest insurance company and I want to know before I purchase a policy that my claim would valid, should I be unfortunate enough to have my bike stolen.

On another note, do any of you have experience with OnGuard Pitbull u-locks - Are they a good-quality lock or do they have any serious flaws that you've noted?

Many thanks to you all.

CardinalJ · 12-09-2014 08:26PM

You wouldn't be covered in that scenario.

Lusk_Doyle · 12-09-2014 10:48PM

Deffo not covered. It says it must be in a self contained private lockable room. Outside on a rack is not that.

yeahscience · 19-09-2014 12:01AM

Thanks for your replies. I appreciate it.

CramCycle · 19-09-2014 09:58AM

Check your parents house insurance. Mine was covered by that and so was my laptop while in college. Might be an excess on it though.

tomasrojo · 19-09-2014 11:02AM

Buy a really good lock, and read up how best to lock. If you can't get insurance, put the money you would have spent at the intervals you would have followed in a hard-to-access savings account (e.g. a thirty-day-notice account) until you have enough to replace the bike.

pprendeville · 19-09-2014 11:29AM

Just out of curiosity how much was the insurance with them?

CramCycle · 19-09-2014 12:57PM

pprendeville wrote: »

Just out of curiosity how much was the insurance with them?

I never knew my parents one but there was no addition to add my laptop and bicycle while at college. We have contents insurance in my grown up life now, I will check this evening what the price is. It also covers my bike and laptop upto 2,000grand (I think)both inside and outside of the house once locked up.

EDIT: It should be noted that the excess is either 250 or 350euro and the guy on the phone said the premium would jump by about 150 a year if a claim was put in.

Bicycleinsurance.ie/ bike lock query

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