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2DISCO3ORNOT
Member Since: 27 Apr 2009
Location: at sea
Posts: 1209
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| Bike racks and insurance? |
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I hadnt thought about this before, but does a towball mounted bike rack constitute a modification to the car and do you need to get extended insurance for the rack and the bikes or are they automatically covered. I have a four bikes back there worth well over £2k plus £400 worth of rack. 
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 21st Jul 2010 9:14 am |
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Navigator
Member Since: 17 Mar 2010
Location: Stay at Home. One of the lives you save could be your own.
Posts: 5113
  
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Probably not a modification but an accessory - which may have a limit in value in the event of a claim of around £50. However, the bikes should be covered on your household policy while temporarily removed from the home. There will be a limit there as well, around £500. So it is worth telling your insurer of the real value and paying the slight increase in premium. A vaccine does not stop you catching a virus, or passing it on, or getting ill from it, really ill. It does reduce the likelyhood of you dying when really, really ill. Stay Alive - KEEP AWAY FROM PEOPLE.
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| 21st Jul 2010 9:20 am |
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mack1979
Member Since: 01 Dec 2008
Location: Buckinghamshire
Posts: 70
 
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I believe they count as things in or on the car, like stuff in a roofbox. It should be covered, but if your bikes are worth 2k I would make sure they're properly covered under your house insurance as separate items.
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| 21st Jul 2010 9:24 am |
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2DISCO3ORNOT
Member Since: 27 Apr 2009
Location: at sea
Posts: 1209
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Okay, thats is correct they are covered on the house contents policy so it would just be the bike rack and surely that would be covered by the car policy as its attached.
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| 21st Jul 2010 10:03 am |
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andrewp
Member Since: 24 Jan 2010
Location: Otley West Yorkshire
Posts: 6
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I work in insurance, neither the bikes or rack are probably covered. Most policies IF they have the contents temporary removed still probably would cover the bikes or rack because they are house contents. Most people have bought their policy on price and the extra covers are removed to get the price down. Check if you have "Personal Possesions " cover out of the house, this extension usually includes bikes but with a limit.
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| 12th Sep 2010 2:25 pm |
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MartinR
Member Since: 27 Jan 2008
Location: Oxon
Posts: 708
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Indeed! Just been having fun with insurance renewals - trying to get a policy that will actually cover a car full of laptops, SLRs, bikes etc in any sensible fashion has been interesting, to say the least. All the standard number-of-bedroom-based policies are totally inadequate, and even some of the 'private clients' type policies were laughable (one in particular had great cover on paper, but the £500 excess made it pretty useless if you had, say, your iPad nicked)
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| 12th Sep 2010 8:30 pm |
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90BHP
Member Since: 18 Oct 2006
Location: Half way along the road on the right
Posts: 3706
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Get them covered under house policy as named items that can be taken from the house.
Incidentally, unless you are reversing into things they are mainly (by hanging off the back of your car) going to be covered under the claim as some  has probably just driven into the back of you - then it's the legal cover on your policy that counts  "To finish first, one first has to finish ...."
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| 12th Sep 2010 8:59 pm |
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