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Old 05-07-2004, 09:43 PM   #1
chroma
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the best bike insurance thread ever!
sorry, with all the bike insurance threads, i was worried mine might get overlooked...javascript:smilie('')

i just read through many of the insurance threads, but i couldn't find an answer to my question:

can i get insurance for my bike WITHOUT getting home insurance?

thanks...any info/leads would be greatly appreciated.
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Old 05-07-2004, 09:51 PM   #2
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yes... any insurance place should have that i believe.
ps why the hell didnt you just put this question in the other thread?!
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Old 05-07-2004, 09:59 PM   #3
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Quote:
Originally posted by Del
ps why the hell didnt you just put this question in the other thread?!
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Old 05-08-2004, 01:14 AM   #4
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Quote:
Originally posted by Del
yes... any insurance place should have that i believe.
ps why the hell didnt you just put this question in the other thread?!
because this is a specific topic that was not being addressed, and because i don't think it's a crime to start new threads.
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Old 05-09-2004, 03:57 AM   #5
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yeah "del" leave chroma alone! haha just kidding, yeah man i wonder how much insurance is, for a 1200 bike??? i need to know, it would give me some peace of mind!
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Old 05-09-2004, 04:01 AM   #6
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i dont think it matters how much the bike is worth. you insure it for a set amount and pay accordingly. you could insure a 1200 bike for 5000 and just pay more... (i think)
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Old 05-09-2004, 05:53 AM   #7
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ahhh just getting bike insurance is like $200 a year for my $2000 bike when i tried. i ended up just putting it on house insurance and taking my chances
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Old 05-09-2004, 09:34 AM   #8
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Most places will not insure the bike by itself.....and if the bike is worth over $1000...it MUST be insured in a seperate "rider" along with a home or renters or contents insurance plan. Most basic plans will only be covering bicycles for $500- $1000 coverage.
The minimum home/renter plan will cost you about $200-250 a yr and the bike insurance will cost from $3 to $5 per one hundred of insured value on top of the basic plan......and it can usually be financed over the 12mth period
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Old 05-09-2004, 09:02 PM   #9
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Quote:
Originally posted by chroma
because this is a specific topic that was not being addressed, and because i don't think it's a crime to start new threads.
I would just call an insurance company.
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Old 05-10-2004, 05:52 AM   #10
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Quote:
Originally posted by diggs
I would just call an insurance company.
Best idea yet. Getting insurance advice from the majority of the 14 and 15 year olds on this board is like asking your dog how your breath is.
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Old 05-10-2004, 08:29 AM   #11
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Old 05-10-2004, 08:55 AM   #12
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What would we pay for insurance on the dog against rollin in poop?
I think I'd pay $2mth...so $24 a yr...with say, a $10 deductable....if the dog rolls in shit....you take it in for a bath on your insurance policy
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Old 05-10-2004, 08:05 PM   #13
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Quote:
Originally posted by Loopie
Most places will not insure the bike by itself.....and if the bike is worth over $1000...it MUST be insured in a seperate "rider" along with a home or renters or contents insurance plan.
Call your insuraces company. My company coveres the total contents of my condo. They don't require me to have a seporate rider for my bikes regarless of the the value.

Add yes I asked them specifically and checked my policy. I do have a decutable. I think it's something like 200 dollars.
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Old 05-10-2004, 08:08 PM   #14
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Quote:
Originally posted by barry
i dont think it matters how much the bike is worth. you insure it for a set amount and pay accordingly. you could insure a 1200 bike for 5000 and just pay more... (i think)

Negative.

People would insure cheapo bikes for 5K, and they'd ironically get pinched in a month and then want the 5K payout.

Insure your bike for it's replacement value...and be prepared to prove that it's worth 5k, not 5 hundred.
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Old 05-10-2004, 08:11 PM   #15
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Quote:
Originally posted by Loopie
Most places will not insure the bike by itself.....and if the bike is worth over $1000...it MUST be insured in a seperate "rider" along with a home or renters or contents insurance plan. Most basic plans will only be covering bicycles for $500- $1000 coverage.
The minimum home/renter plan will cost you about $200-250 a yr and the bike insurance will cost from $3 to $5 per one hundred of insured value on top of the basic plan......and it can usually be financed over the 12mth period

thanks loopie...i just cancelled my home insurance, as i recently moved into an apartment, when inexplicably i suddenly got the fear! now i want at least my bike insured again...
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