Is my bicycle insured in home contents insurance?
Your bicycle stolen! An unpleasant situation, of course. Whether you are insured when your bicycle is stolen depends on how you are insured. Is your bicycle insured in the contents insurance? We explain it to you.
Is a bicycle covered by contents insurance?
If your bicycle is stolen, it is a good idea to report it to the police as soon as possible. Then contact your insurer or agent as soon as possible to report the theft. Whether your bicycle is covered by your home contents insurance varies by situation. Your insurer or agent can often tell you immediately whether your claim is covered.
Taking out household contents insurance? Calculate your premium!
Has your bicycle been stolen from your home or shed? Then in most cases it is covered by your contents insurance. You must be able to prove that your bicycle was locked and that the shed/home where the bicycle was located was locked. Is this not the case? Then the insurer will not pay the damage. So always make sure that your bike is locked and that your house or shed is locked. There must also be traces of forced entry to the house or shed from which your bicycle was stolen.
Has your bicycle been stolen from somewhere other than your home or shed? In most cases your bicycle is not covered by your home contents insurance. You will have to take out a separate bicycle insurance.
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