Cycle Insurance Policies
Key Benefits – Cycle Insurance
- New-for-old replacement on claims
- Worldwide cover should your bike be damaged or stolen abroad
- Up to 40% no claims discount
- Personal accident cover for up to £20,000
- Third party insurance worth up to £1,000,000
- Free cycle rescue and puncture cover worth £51
- Free legal helpline
Significant Exclusions (full details within your cycle insurance policy wording)
- Loss or damage caused by depreciation in value, wear and tear, cleaning, alteration, adjusting, restoration, repair, maintenance, mechanical or electrical breakdown, scratching, misuse, atmospheric or climate conditions.
- Loss or damage caused by insects, vermin, fungus, domestic pet or any gradually operating cause.
- Loss or damage to tyres or accessories unless the pedal cycle is lost or damaged at the same time.
- Claims where the pedal cycle has a value of more than £4,000 inclusive of any extra accessories.
- Claims where the sum insured is less than the replacement value of the pedal cycle inclusive of any extra accessories. Note: The purpose of this exclusion is to prevent pedal cycles from being part/under-insured.
- Claims where the pedal cycle has been left unattended for more than twelve hours at any one time in a location to which the public has access or for more than 24 hours if left at a railway station.
Please note: The policy will only cover your cycle in communal areas if securely locked to an immovable object.
Policy Downloads
Documents are in Portable Document Format (PDF): you can download a free reader
for PDF files, if you don’t already have one installed on your computer, from
Adobe’s Site.