Garage Broken Into - Why House Insurance Failed Me (But Bike Insurance Didn't)

Text from my neighbour: 'Your garage door is wide open.' That's how I discovered £10,000+ worth of bikes and camping gear had been stolen from my garage. Here's how my bike insurance paid out £8,465 - and the expensive lesson about what house insurance WON'T cover. In this video, I'm sharing the complete story of my bike theft, the insurance claim process with Bikmo, and exactly what I got paid for each stolen bike and accessory. ----- Affiliate Code ------ I get an introductory commission which supports the channel, £10 is donated to Trash Free Trails Bikemo - Bike Insurance in the UK, Germany, Ireland and Austria https://bikmo.avln.me/c/IVZgfAiDomBL Trash Free Trails Website https://www.trashfreetrails.org/ 🚨 What Happened: Neighbour's text alert about our open garage door Discovery that multiple bikes + £1,500 of camping equipment were stolen The shock of learning our house insurance didn't cover outbuildings Why having separate bike insurance with Bikmo saved me 💰 The Claim Breakdown: I'll walk you through the entire Bikmo claim process (surprisingly easy!), the value of each stolen bike and accessory, and the final £8,465 payout I received. Plus, I'll explain exactly what was covered and what wasn't. ⚠️ Critical Insurance Lesson: My camping gear (worth £1,500) wasn't covered because house insurance typically excludes outbuildings. Don't make this mistake - check your policy NOW. Timestamps: 0:00 - The neighbour's text that changed everything 01:04 - What They Took 02:31 - House Insurance Mistake 03:37 - Bike Insurance 05:15 - The Claim & Payout 09:34 - Lessons Learned 🔐 Protect Your Bikes: After this experience, here's what I learned about bike security and insurance coverage for cyclists. 🔔 Subscribe for more cycling content, Zwift training, and real-world cycling advice ------------------------- 💵💷💶 Save with these affiliate links 💷💶💵 You'll get money off, I get an introductory commission which supports the channel - win, win! The channel is not sponsored by Zwift or anyone else, all reviews and opinions are my own, these links are just a way for me to offer you value from watching my content. SAVE MONEY on the Wahoo Kickr Core 2 👇🏻 Select the link for your country 🇬🇧 UK - https://zwiftinc.sjv.io/c/6373776/3280524/20902?subId3=yxlPMX2T 🇺🇸 US - https://zwiftinc.sjv.io/c/6373776/3280527/20902?subId3=ZwD4l5tO 🇪🇺 EU - https://zwiftinc.sjv.io/c/6373776/3280522/20902?subId3=zJX8NfRl SAVE MONEY on the Zwift Ride with Wahoo Kickr Core 2 👇🏻 Select the link for your country 🇬🇧 UK - https://zwiftinc.sjv.io/c/6373776/3258789/20902?subId3=P9102lZs 🇺🇸 US - https://zwiftinc.sjv.io/c/6373776/3258787/20902?subId3=p0inUwso 🇪🇺 EU - https://zwiftinc.sjv.io/c/6373776/3258790/20902?subId3=1WqGuSfM CycPlus – SAVE MONEY on cycling tech including fans, computers & smart trainers https://www.cycplus.com/?ref=chadrides Insta360 – SAVE MONEY on cameras to catch all your cycling action and rides https://www.insta360.com - Discount Code: INRIWPV BOB AND BRAD - SAVE MONEY on Q2 Pro Mini Massage Gun with Heat and Cold Head UK – https://amzn.to/4ophJzx - Discount Code: BOBNBRAD15 US – https://amzn.to/4hhYndm - Discount Code BOBBRADQ2 ------------------------- If you’re interested in products I’m using in my videos, you can find links below to them. Le Col Cycling wear https://lecol.avln.me/c/XsEphfbhhmtE Polar H10 Heart Rate Monitor UK – https://amzn.to/4oheSIV US – https://amzn.to/3KJaAeY Vacmaster Cardio 54 Fan UK – https://amzn.to/46O1kii US – https://amzn.to/4h6OXkR Garmin Varia RTL515 rear light/radar UK – https://amzn.to/4mY5A3m US – https://amzn.to/4nGiuEp Garmin Varia UT800 Smart Headlight UK – https://amzn.to/4n0XJlI US – https://amzn.to/4o82xqq Garmin Edge 1050 Computer UK – https://amzn.to/4nJfWVT US – https://amzn.to/4h6Pao9 Omnirocker rocker plates UK only – https://omnirocker.com/ ------------------------- Welcome to Chad Rides — the channel dedicated to Zwift, Rouvy, MyWhoosh indoor cycling and outdoor cycling. Whether you're racing in the Zwift Racing League (ZRL), struggling through FTP tests, cycling for weight loss or to improve your fitness and mental health, you’ll find real insight, honest reviews, and racing breakdowns to help you ride smarter and stronger. Here, you'll get: Detailed Zwift racing analysis (ZRL, WTRL, ZRacing, ECRO racing, FRR Racing and more) Reviews of Zwift and Rouvy compatible hardware and training tech like the Zwift Ride and virtual shifting hardware and software. Advice on cycling for weight loss, mental health and performance improvements. Tools and tips using Strava, intervals.icu, Zwift, Rouvy and MyWhoosh. This is your place to improve your cycling performance, understand the numbers and enjoy every pedal stroke. Subscribe and join me on our collective Zwift journey! Visit https://www.chadrides.com If you like the channel please consider supporting Chad Rides https://buymeacoffee.com/chadrides