We have a homeowners policy with Zurich.  There is no limit on the number of
bicycles and each each one is covered up to  $1500.  I inquired about the rider and
it is $11.00 per $100.00

11% per year - thanks but no thanks. Last year we changed our insurance company in
large part because of the bicycle issue.  There may be better deals o but we were
not able to find one that fit our needs.

Hope this helps.

Greg

Paul Smeulders wrote:

> I'm interested to hear (read) the answers on the forum, so please post them.
> My understanding is it is getting more and more rare.
>
> Dumb story: I asked about why the new "riders" for bikes. The response was
> "there is quite a black market in stolen bikes". My reply was "So say my
> place burns down, and the bikes are ruined, would they be covered for
> replacement value, even if I don't have the special bicycle "riders"?
>
> One company said "no, same $1000 limit"
> "why is that, they weren't stolen, they were burned."
> "It's because there is quite a market in stolen bikes"
>
> ???? puzzled pause was inserted intentionally, by me, into the conversation,
> followed by:
>
> "And so, I guess, also in burned bikes too?"
>
> They lost my business to the company who said the don't cover for stolen
> (unless "alll perils"rider" is purchased), but would cover for fire.
> However, despite my requests, nobody has written it down.
>
> Anyway, let's hear about them good policies.
>
> Paul
>
> ----- Original Message -----
> From: "Aaron Fillion" <[EMAIL PROTECTED]>
> To: "OBC Topica" <[EMAIL PROTECTED]>
> Sent: Wednesday, January 09, 2002 19:24
> Subject: [obc] Home/Tenants Insurance with no limits on Bicycles?
>
> > Can anyone tell me which insurance companies in Ottawa that provide
> Home/Tenants
> > Insurance, have a plan that does not have an exclusion on bicycles?
> >
> > My current Tenants Insurance plan has an exclusion that states they only
> cover
> > up to $1000 of bicycles and related parts and to cover any more I have to
> get
> > riders. Because of the cost of the riders, I feel my current policy is too
> > expensive, and I want to switch to a different company.
> >
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