WR 1.0 Posted January 4, 2010 Posted January 4, 2010 Also with AF. had a claim beginning of 2009, no problems.Just remember to insure for what your bike will be worth if you had to replace today.Have heard of some guys getting their bikes stolen but because they are under-insured they could only replace the frame.
ASTANA Posted January 4, 2010 Posted January 4, 2010 My current insurer wanted R300 pm to insure a R16k road bike and then I'd still have to cover the MTB - sounded too expensive to me. What kinda prices are you guys paying? For a 16K MTB I had to pay only R160 p/m at Cyclesure - will be in the region of 180 now - price increase from 1 feb 2010. I stopped my insurance with them and my house insurance must cover bikes while standing there - I'm recovering from my injury so not racing or doing hard training - just casual slow and long rides. will look at them again in the future when I'm up and running again - in full swing
mark ellis Posted January 4, 2010 Author Posted January 4, 2010 just got quote from Cyclesure, R30 K bike, all risks for R215 pm, still going to get quote from the guys who do my normal household insurance
ASTANA Posted January 4, 2010 Posted January 4, 2010 what are your guys no1 reason for insuring bike - all risks ? Talking about out of home - racing/training - not house break etc. ?
TNT1 Posted January 4, 2010 Posted January 4, 2010 what are your guys no1 reason for insuring bike - all risks ? Talking about out of home - racing/training - not house break etc. ? I insure my bikes for theft from home, for jacking when I'm out riding, and for damage caused by crashing (me into things, or as is more likely the way motorists behaving, things crashing into me...)
JacoCronje Posted January 4, 2010 Posted January 4, 2010 Cyclesure has served me well thus far, but I am annoyed with their latest amendment: "we were forced to restrict theft to forcible and violent entry into your residence" which means theft out of your garage or if they break into the house while you are not there is not covered? I have now gone to look for cover with another insurance company. JacoCronje2010-01-04 09:37:34
Andrew T Posted January 4, 2010 Posted January 4, 2010 I have had my bike insured with Outsurance. They have been good and I claimed with very good service and quick turnaround. Just got a letter though saying they're increasing my premium by 20% due to claim. After a call to them they say that that's standard practice for them. For every claim, no matter what claim will jack your premium by 20% in the next year. Just been chatting to Cyclesure and they will insure my bike (with knowledge of my claim) for less than the original Outsurance price (very close though) and they do not increase premiums due to claims.
Brakkies Sport Fotos Posted January 4, 2010 Posted January 4, 2010 Cyclesure (brokers = Pedalsure) ZURICH INSURANCE COMPANY SOUTH AFRICA LIMITED Bianchi: R35,000 Premie R160.42 Anthem: R30,000 Prtemie R 137.50 Axcess on claim = R250 Including: R 1,000,000.00 Personel Liabillity = Premie R1.00popeye2010-01-04 09:43:01
Brakkies Sport Fotos Posted January 4, 2010 Posted January 4, 2010 THAN YOU GET FOR FREE: Personal Accident - MR. XXXXXXXXXX Circumstances and compensation 1. Death R20,000 2. Permanent Disability R20 000 3. Medical Expenses R10,000 Personal Accident = R30,000popeye2010-01-04 09:47:01
duringd Posted January 4, 2010 Posted January 4, 2010 When you do the quote through Cyclesure do you have to specify parts etc? duringd2010-01-04 09:46:58
Brakkies Sport Fotos Posted January 4, 2010 Posted January 4, 2010 YES, you tell them what in on your bike. Its just fair.
Brakkies Sport Fotos Posted January 4, 2010 Posted January 4, 2010 Annelize Harding Tel: 0861 292 537 Fax: 0861 242 925 Email: anny@cyclesure.co.za Website: www.cyclesure.co.za AUTHORISED FINANCIAL SERVICE PROVIDERS Number 3262
duringd Posted January 4, 2010 Posted January 4, 2010 Agreed, I just want to know the work ethic so that they don't turn around later with excuses!
TNT1 Posted January 4, 2010 Posted January 4, 2010 Cyclesure has served me well thus far' date=' but I am annoyed with their latest amendment: "we were forced to restrict theft to forcible and violent entry into your residence" which means theft out of your garage or if they break into the house while you are not there is not covered? I have now gone to look for cover with another insurance company. [/quote'] The "forcible" I get, that's cool, I mean you need to lock your sh*t up, right? But the violent? WTF? I'd question these guys on that one. You want the short term insurance ombudsman's details?
'Dale Posted January 4, 2010 Posted January 4, 2010 I'm with Santam. Pay about R85 per month. About R12 000 cover. All Risk Cover which means insurance from any loss or damage at home or out there in the world. More or less in alignment with other service providers.
Omlette Posted January 4, 2010 Posted January 4, 2010 with cyclesure for my bikes, car and household insurance. only had the best service so far. made a claim in november for my bike and was sorted in 4 days
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