Help - will my bike insurance cover bike on roofrack damage?

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Help - will my bike insurance cover bike on roofrack damage?

Postby colnagorider » Sat Jun 18, 2011 7:03 pm

Hi,

I just drove my car into a garage with my very expensive Colnago on the roof. I have elite cover with Swann Insurance, and I am a little confused as to whether it will be covered, as I was to blame for the accident. Just wondering if anyone has direct experience doing this and whether it was covered.

Cheers.
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by BNA » Sat Jun 18, 2011 7:23 pm

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Re: Help - will my bike insurance cover bike on roofrack dam

Postby uncle arthur » Sat Jun 18, 2011 7:23 pm

Sorry to hear about your incident.

However, unless someone here has reviewed the specific terms and conditions of your policy, I wouldn't be relying on our advice - talk to your insurer.
What is it with cycling? 30+ kmh and lycra???!!!
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Re: Help - will my bike insurance cover bike on roofrack dam

Postby colnagorider » Sat Jun 18, 2011 7:36 pm

Yes, I know! Unfortunatley can't talk to them until Monday and so I thought I'd chance it that someone has done this with the same policy and might have experience.

Thanks for replying though.
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Re: Help - will my bike insurance cover bike on roofrack dam

Postby skull » Sun Jun 19, 2011 6:42 pm

a mate did a similar thing with his bike, car and garage door.

his car insurance covered it.
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Re: Help - will my bike insurance cover bike on roofrack dam

Postby ValleyForge » Sun Jun 26, 2011 10:50 pm

Keen to hear, but usually the roof racks are covered, but seldom what's on them.

Might have some joy with Home & Contents if it happened at home.. Maybe you were mistaken and accidentally reversed over it in the garage :wink:
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