Introduction
Finding the best bike insurance in
the UK is something that you might struggle with, but I've got some top tips to
help you out. This DIY guide won't tell you exactly what kind of policy to get
or how much it will cost (I'm not a complete idiot!), but it will hopefully
make your decision easier by pointing you in the right direction.
Cycling around the UK is a great way
to keep active, be healthier and make friends. Unfortunately, accidents happen,
and even the safest cyclist is at risk of damaging his or her bike in an
accident. If you've been on the receiving end of this harsh reality, then it's
time to consider getting bike insurance in the UK.
Shop
around for the best bike insurance providers
If you're planning on riding your
bike more often, you may want to consider getting a bike insurance policy.
Bike insurance is an important part
of any rider's kit. It can help cover you in the event of an accident or theft
and help avoid paying excess for damage and theft as well as helping to cover
you if you're injured while riding.
There are a number of different
types of bike insurance policies available, from basic cover that covers the
cost of repairs and replacement parts only, through to more comprehensive
policies which offer additional benefits such as breakdown assistance, legal
costs and compensation for loss or damage caused by third party road traffic
collisions.
It's important that you shop around
for the best bike insurance providers so that you find one that suits your
needs.
Choose
wisely when picking a policy
Choosing the right bike insurance
can be a daunting task, but it’s one that’s well worth doing. If you’re looking
for a quote from an insurer, it’s important to do your research and pick the
best policy for your needs.
Here are some of the most important
things to consider when picking a policy:
The type of cover you need – Some
policies cover more comprehensive damage than others, so you might need to
choose between two or three different policies to find one that suits all your
needs. For example, if you want comprehensive damage coverage and theft
protection, then choosing a comprehensive policy is probably going to be the
best option for you.
The cost of your bike insurance –
There are a number of factors that affect the cost of bike insurance in the UK:
how many bikes are insured under each policy; whether any additional riders are
included in the policy; whether any optional extras such as theft cover and
personal accident cover are included; and what other types of cover are
included in addition to theft and damage (such as uninsured motorist cover).
Consider
the excess amount
Bike insurance has become more
difficult to purchase over the years, with many insurers offering a range of
premiums and policies. The cost is dependent on your age, gender, where you
live and how much you ride your bike.
Some insurers will offer a standard
policy that covers all bikes and others will only insure those built
specifically for road use. To get the best deal it's important to be aware of
what type of bike is being insured and whether or not it meets certain criteria
such as disc brakes or suspension forks.
The excess amount can also be an
issue when buying bike insurance. Some insurers charge a higher premium if you
have an expensive bike or want to add extras such as mudguards or lights. An excess
means that if your claim exceeds the limit set by your policy then you'll need
to pay this extra money out before receiving any compensation from your
insurer.
Make
sure you’ve got the right cover
You may already have a bike
insurance policy in place, but it’s worth checking that you’ve got the right
cover. You might also want to consider buying a stand-alone policy, rather than
having your current bike insurer involved with your new purchase.
Make sure you’ve got the right cover
Bike insurance policies are designed
to protect two parties – the cyclist and their insurer. It’s important to
choose the right policy for your needs and ensure that both parties are covered
properly. For example, if you’re planning on using your bike as a commuter or
leisure vehicle, then you should look for a policy that covers all of these
scenarios. If you’re just using it recreationally or training for races, then
look for something more specific.
Look for gap cover
A gap cover is often included in
standard cycle insurance policies but can be purchased separately from your
main policy if needed. An example of this would be if your bike was stolen
while parked at home or work and this was not covered by your main policy.
Ensure
you’re protected against theft
Bike insurance policies are a great
way to protect yourself against the possibility of theft and damage. However,
there are a number of things you should consider before buying a bike insurance
policy.
Ensure you’re protected against
theft in the UK tips
Firstly, it’s essential that you
take out a policy that covers your bike. If someone steals your bike and rides
it away, they could be at risk of being prosecuted by the police if they do not
have adequate insurance. It’s important to make sure that if your bike is stolen,
they will get compensation for any losses they cause.
It’s also worth ensuring that you
have comprehensive public liability insurance as well as third party insurance
in case something happens to another person or their property while on a ride
with you (such as an accident). This will cover any injuries or damages caused
by others riding with you and ensure that those who ride with you are
adequately protected against any claims made against them.
Get
your documents in order and keep them safe
Get your documents in order and keep
them safe in the UK
You'll need a valid driving licence
or licence entitlement card if you want to rent a bicycle. You can also check
whether you're eligible for free bikes through your postcode by visiting this
link. If you don't have one of these, you'll need to get one before you start.
You'll also need to buy a membership
card (£12) from your local shop or online. This gives you access to all types
of bikes and allows you to use them without charge for up to 60 minutes at a
time.
Update
your policy if you change your bike or
If you change your bike or
accessories, make sure that you update your policy. Your insurer may be able to
claim from the new insurer. If you don’t update your policy and find out later
that you were not covered for the extra cost of the new bike, then it can be
very difficult to prove that the cost was insured.
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