Expensive Dlock or insurance?

[Riverman]

Given the weight of Dlocks I wondered whether it may be better just to rely on your insurance?

The cheap Dlocks I've looked at are stupidly heavy. I like the New Yorker one but even that's a little heavy and is over £50.

I wouldn't dream of not insuring an expensive bike anyway.

 

[John the Monkey]

Problem is, if your bike is locked up with something your insurers don't approve, or not locked at all, they won't pay out.

 

[numbnuts]

I use an Abus Granit X Plus and a 4 foot 3/8 wire cable and padlock to go through both wheels, insurance is OK, but I would soon have my bike there when I got back, as they say so far so good

 

[Banjo]

I dont insure the bike but have a heavy piece of 10mm link chain with a bit of innertube pulled over it to protect the paint .Locked with a grade 3 yale padlock. Its more adaptable than a Dlock .Could be hacksawed off but very difficult to saw chain not held rigid in a vice(Lock cant be hacksawed). Hopefully they dont have 4 foot boltcroppers which would bust most Dlocks anyway.

 

[wafflycat]

Problem is, if your bike is locked up with something your insurers don't approve, or not locked at all, they won't pay out.

Indeed. Add to that if your bike is not locked to something they consider suitable.

 

[Alan Whicker]

It's also a mahoosive pain in the jacksie to come back to where you left your bike to find nothing but a mangled cheap lock, and then realise that your insurance isn't going to do your 15 mile walk home for you.

 

[Joe.R]

Given the weight of Dlocks I wondered whether it may be better just to rely on your insurance?

The cheap Dlocks I've looked at are stupidly heavy. I like the New Yorker one but even that's a little heavy and is over £50.

I wouldn't dream of not insuring an expensive bike anyway.

Do you have an excess though? A lock is a one time pay out where as the excess is everytime you have to claim

 

[garrilla]

Do you have an excess though? A lock is a one time pay out where as the excess is everytime you have to claim

Surely if you get your bike nicked the lock is knackered and so you have to buy a new lock each time too?

 

[Joe.R]

Surely if you get your bike nicked the lock is knackered and so you have to buy a new lock each time too?

What I mean is your less likely to get your bike nicked with a good lock than a £3.99 one

 

[Archie_tect]

A bit off thread but how many of you have separate 3rd party insurance for cycling?

 

[Arch]

It's also a mahoosive pain in the jacksie to come back to where you left your bike to find nothing but a mangled cheap lock, and then realise that your insurance isn't going to do your 15 mile walk home for you.

Not to mention the sheer misery of losing a loved bike. Riverman must be new to this lark. Imagine asking if it was worth picking your kid up from school, because if they go missing you could just have another one....

 

[wafflycat]

Please Miss! I do!

*waves hand to Arch*

 

[Davidc]

Not to mention the sheer misery of losing a loved bike. Riverman must be new to this lark. Imagine asking if it was worth picking your kid up from school, because if they go missing you could just have another one....

Quuite right! I still pine for the two bikes I've had nicked, and the first was in 1974!

 

[MacB]

I'm covered for my bikes now but will be changing from direct Line in near future. The reality of dealing with them is very different to the impression the 'one call and they'll take care of it' adverts. For example, when I added the bikes I was asked for values and I tried to include the locks. They cost a lot and the thieves took them away first time. Was told the locks would be covered under personal property on the household contents policy and so didn't need adding to the bikes. However, in the event of theft/destruction of bike and locks, this would mean two seperate claims. So, you guessed it, two seperate excesses.

 

[g00se]

Given the weight of Dlocks I wondered whether it may be better just to rely on your insurance?

The cheap Dlocks I've looked at are stupidly heavy. I like the New Yorker one but even that's a little heavy and is over £50.

I wouldn't dream of not insuring an expensive bike anyway.

You could get a small D-lock

http://www.parker-international.co.uk/6774/Kryptonite-Evolution-Mini-Lock.html

and use this locking technique:

http://www.sheldonbrown.com/lock-strategy.html

Cheers