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CTC Cyclecover vs Contents Insurance



 
 
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  #1  
Old July 8th 05, 03:49 PM
PhilO
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Default CTC Cyclecover vs Contents Insurance

I just compared CTC cyclecover with the cover I get with my AA Contents
insureance.

One Speedmachine with CTC Cyclecover - premium is £176. Only covered
for theft if I lock it.

House contents insurance covers that bike, plus the other six bikes
(and treats them as personal possesions) and up to £45,000 of other
stuff in the house - premium is £120.

Time to ask the CTC why they keep promoting them. Or has anyone
actually found CTC Cyclecover to be worthwhile?

PhilO

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  #2  
Old July 8th 05, 04:04 PM
Peter Clinch
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Default CTC Cyclecover vs Contents Insurance

PhilO wrote:
I just compared CTC cyclecover with the cover I get with my AA Contents
insureance.


Been there, done that. The AA were pretty good, but for the expensive
bikes (the Streetmachine, Fiero and 8 Freight) we had to have them as
specific named items. IIRC that cost a little more. Eventually ended
up at Marks and Sparks, who cover any individual bikes up to £4K as part
of the basic cost. The overall premium came in at less than the AA's,
so we're with M&S now.

Time to ask the CTC why they keep promoting them. Or has anyone
actually found CTC Cyclecover to be worthwhile?


We used Cyclecover for a year: time was running out to find a contents
insurer who'd put 2 £1,800 bikes on, and we ran out of time so I used
Cyclecover rather than nothing. Got stung for lots of money, and better
prepared this year I started looking rather sooner.

http://www.ctcforum.org.uk/MesReplis...cid=5&id=10054 has a rantI
started on the CTC message board, and was not satisfactorily dealt with
to my mind even though it was personally answered by the Director.
Result: we are two ex-Cyclecover customers. It's ludicrously expensive
for what you get IMHO.

Pete.
--
Peter Clinch Medical Physics IT Officer
Tel 44 1382 660111 ext. 33637 Univ. of Dundee, Ninewells Hospital
Fax 44 1382 640177 Dundee DD1 9SY Scotland UK
net http://www.dundee.ac.uk/~pjclinch/

  #3  
Old July 9th 05, 08:00 PM
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Default CTC Cyclecover vs Contents Insurance



PhilO wrote:

House contents insurance covers that bike, plus the other six bikes
(and treats them as personal possesions) and up to £45,000 of other
stuff in the house - premium is £120.


I found household insurance was about £100 a year more when
covering all my bikes for use away from home. I've decided this year to
take the risk myself when parking the bikes away from home. My commuter
bike which is the one I would use for any trips to central Glasgow is
only worth a couple of hundred so allowing for the excess on any claim
the risk is fairly small and not worth £100 to insure against.
My "good" bikes are not expensive by the standards of others on
this group- a 10 yr old Galaxy and a £650 tandem - and not attractive
to thieves I would have thought. They are only at risk when touring
which I don't do in high risk areas.
I found the premiums going up a certain amout for each bike listed
despite the fact I would only use one at a time away from home. Given
the fact that the excess meant a claim wouldn't be paid in full and the
hassle factor involved in claims I think its worth the risk.
Iain

 




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