find an insurance broker in your area or in the phone book and explain what u want to do.....thats what i didSo my mum has been looking around for insurance for my new bike and no-one wants to insure it, either because I am under 18 or because it is a downhill bike.
Does anyone know a company that will insure it for me?
Your right on the first point.The problem with the house insurance is twofold - firstly you are generally not covered for actually using the bike (racing or otherwise). This was the gap filled by Velosure/CycleCover/CycleSmart etc. There are a few premium home policies that do cover for riding, and if you have more than one bike to cover these are a great option.
The second problem is the some of the home insurers can be a right pain the ass to deal with for bikes. This is because they have preferred suppliers so you wrecked Commencal suddenly is only replaceable with a Giant... not a problem to some but a huge problem to others.
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No need to select Racing cover with Velosure - its an automatic inclusion - however unless they have changed their rating structure they do not cover under 18'sBeing a DH bike does present issues. Cyclecover has a no DH clause - but this is very broad and really it would only be DH racing that would be excluded (Vinelink - your bike would have cost $24.mth). Velosure has no such clause but I think from memory you have to select racing cover.
I've started scanning my reciepts for this very reason...Most people are lucky to have a recipt for the stolen item and even then its very hard to read. I had mulitple copies of them and also supplied a quote for replacement.
Spot on mate. Most reciepts fade and are unreadable after a couple of years. All my reciepts have been photo copied.I've started scanning my reciepts for this very reason...