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We’ve Got You Covered

Included as standard or as an optional extra

Theft Accidental Damage
Included with standard

Accidental Damage & Theft

The two “must have” covers are both included in our policy.  Loss of your cycle by “Theft” is provided at, and away from your home. 

Legal Expenses
Included with standard

Legal Expenses

We provide £100,000 of cover. This is essential for persons using their cycle on busy roads and can help with making a claim for injury or damages against a third party.

Replacement Bike
Included with standard

Replacement Cycle Hire

Ideal if you need your cycle to travel to work or to take part in an event such as Cyclo-Cross or a Triathlon and your own cycle is unavailable following theft or damage.

Accessories
Included with standard

Accessories, Helmets & Clothing

Inclusive insurance for your cycle accessories or specialist helmets & clothing. You can increase the sum insured limits if required

Public Liability
Optional

Public Liability

Protects you against claims from a third party which could include; a pedestrian, another cyclist or a motorist. Choose from either £1 million or £2 million cover

Personal Accident
Optional

Personal Accident

Provides you with a capital sum if you are involved in a serious accident whilst using your cycle. You can choose a level of cover to suit your needs.

Eu Cover
Optional

European Use

For a small additional premium, you can extend your policy to cover you for up to 45 days use in the European Union.

Competition
Optional

Competition Use

You can extend your policy to include cover whilst using your cycle to take part in competitions such as cyclo-cross or triathlons 

Industry/Company News, Advice

Example Image

Cycle Safety

With 43% of the UK population owning a bicycle and around 741,000 of us using our bike for the daily commute, there is little doubt that...

Read Article
Cycle Frame Guide

Cycle Frame Guide

Just about every cyclist will have had some experience of riding a bike that just wasn’t the right size and which, as a result, was uncomfortable

Read Article
Types of Lock Available

Types of Lock Available

Bicycle locks cannot only keep your bike secure – but they are also typically mandatory as part of your bicycle insurance.

Read Article

FAQs

How will my claim be settled?

At our option, we will repair, replace or pay for any lost or damaged Cycle, Accessories, Helmet and Clothing on the following basis: 

1.for any standard Cycle, Accessories, Helmet and Clothing- the cost of repair or replacement as new; 

2.for any discontinued Cycle, Accessories, Helmet and Clothing, the cost of repair or replacement with item(s) of a similar type or equivalent specification; 

In no event will we pay more than the amount Insured shown in the Schedule. You will need to make sure that you are not underinsured as this may affect how much your claim is settled for.

Yes, cover is provided up to £100,000 but please be aware, the insurers will want to appoint a legal advisor of their choice and there must be a reasonable prospect of success.

Do I have to provide you with my cycle serial number?

No, although we think it is a good idea if you do so. 

You should be aware that if you need to make a claim, we will require you to provide us with documentation or other evidence which clearly demonstrates ownership of the property and helps substantiate your claim, for example: original purchase receipts, bank or credit card statements, instruction booklets, photographs, the remains of the Approved Lock and/or the keys. 

We will only ask for information relevant to your claim and we will pay for any reasonable expenses you incur in providing us with this information.

Can I use my cycle abroad?

Yes you can purchase the European extension and use your cycle in the European Union for up to 45 days in any one period of insurance.   For the purpose of our insurance we also include Switzerland, Iceland, Norway, Monaco, Madeira, Gibraltar and Andorra. 

If you want us to consider a longer period or you intend to travel further afield, give us a call on 0208 0033 190 and we’ll see what we can do.

Can I insure more than 1 cycle?

Yes, online we can insure up to 5 cycles, we will consider more but you will need to call our office on 0208 0033 190.

What if I own a hybrid cycle or one I’ve had specially built from parts?

For any hybrid or composite Cycle, Accessories, Helmet and Clothing, where the parts have been individually purchased, we will pay the replacement cost of the individual components, but in no event will we pay more than the amount Insured shown in the Schedule and you need to make sure that you are not underinsured as this may affect how much your claim is settled for.

What’s the maximum value of cycle you will accept?

Online we can insure a cycle of up to £12,500 depending on your circumstances and up to £15,000 for a combination of cycles. We will consider higher amounts but you will have to call our office on 0208 0033 190 to discuss.

How much should I insure my cycle for?

You should insure your Cycle for its replacement cost as new, ignoring any discount you may have received as a “special offer” from the retailer or place of purchase.

Do you insure professional cyclists?

No, we see ourselves as an insurer of “Keen amateurs”riding for pleasure. We do however offer an extension for persons wanting to take part in competitions providing of course they are not taking part as a professional rider.

Do you cover only UK Residents?

Yes, to buy one of our policies you must be a resident of the United Kingdom.

Some of the bikes we cover