I have just moved my whole insurance (household, cars and bicycles) to Naked. Their prices are better then anyone else at the moment, and I decided to move over to them after speaking to two friends on separate occasions that are with them, and they only had good things to say about them.
One had to claim for a bike last year - fell off a bike carrier, by the time they realised and turned back the bike was nowhere to be found (I know this sounds like a long story, but I was with them the weekend it happened, and on the way home I was driving in front of them. When they called, I was about 2 minutes ahead of them on the road and went back to help look, so I know it’s true).
This was on a Sunday afternoon. He was on a brand new bike 3 days later. You can’t ask for better service than that.
They will ask for a proof of purchase at claim time, from what he told me, and as there was no “evidence” apart from a broken strap on the bike rack, he also had to go to the police and give a sworn statement. But other then that nothing.
claim was submitted online from the side of the road, Monday morning they called to ask for the proof of purchase and sworn statement. He sent it back to them Monday afternoon, and Wednesday morning they told him where he can go collect the replacement bike. Excess was paid directly to the store.
I was bikejacked 4 years ago. Discovery took a week to verify that there were no CCTV cameras covering the area, had me go back an forth for quotations on replacements, after I gave them three quotes, I had a case number from the police, an eyewitness statement from the lady that picked me up, sent them the location data from my Strava, because they wanted proof that the ride ended where I said it did (then queried the claim because I didn’t stop my watch, which was luckily not stolen, right away, and only when I realised a few minutes later after hitching a ride… I had photos of my injuries from being knocked off the bike and all that, it still took them another 10 days to finalise the claim, then they couldn’t find an “approved” supplier that had stock, and wanted me to take a different bike, from one of their preferred suppliers.
took another 2 days arguing with them that I wanted a like for like replacement, and there was stock at my preferred supplier at a price that was lower than my insured value (shop offering discount on previous year model).
I hope my mate didn’t just get lucky, but if I ever need to claim, Naked just needs to be slightly better than discovery, and I will be a happy camper. I’m also paying significantly less now.