Cycle Insurance Summary
10 reasons to choose us – every policy includes the following:
| 1 | Cover for theft, accidental damage & vandalism (no de-valuation) | RACE COVER INCLUDED |
| 2 | Third party cover up to £1m | worth up to £27 when bought separately |
| 3 | Personal accident cover up to £20,000 | worth up to £23 when bought separately |
| 4 | Breakdown recovery for your bicycle | worth up to £35 when bought separately |
| 5 | 90 days’ European cover | |
| 6 | 60 days’ worldwide cover | |
| 7 | Bike hire | up to £250 to spend on a hire bike following an approved claim |
| 8 | ‘Get You Home’ cover | a taxi home should your bike be damaged or vandalised |
| 9 | No claims discount | earn up to 40% no claims discount |
| 10 | Low excess | 5% (£25 minimum payment) |
All folding bikes are eligible for a 40% discount
Cycle insurance FAQ
Where does my bike need to be kept when it is at my home address?
When the bike is at your home address it needs to be kept inside a locked building – this can either be kept locked in your house, in your garage or in your garden shed. It also needs to be kept out of sight inside the locked building so that it cannot be seen by the public from outside the building. It does not need to be locked to an immovable object inside the building unless you are keeping the bike in a communal hallway.
Do you specify which locks need to be used on doors to my shed, house, garage etc. when the bike is at my home address?
No, any lock is sufficient.
What are the security requirements for my bike when I am out and about with it? Your bike needs to be locked to an immovable object with an approved lock and can only be locked in public for a maximum of 12 hours or 24 hours at a train station.
What sort of approved lock do I need?
If your bike is worth less than £250, you need to use a lock that is Bronze sold secure rated. If your bike is worth £250 or more, you will need to use a Silver sold secure rated lock and if your bike is worth £1500 or more, you will need to use a Gold sold secure rated lock.
Where can I find a list of your approved locks?
For a list of sold secure rated bicycle locks, please go to www.soldsecure.com and use the search function to search for bicycle locks. If your lock is not listed on this website, it will not be covered under our policy.
Where can I find the frame number for my bike?
The frame number can usually be found on the tube that connects your seat pin and your pedals or on the receipt for your bike. It is a relatively long alphanumeric number which the cycle shop you bought the bike from should have a record of too.
What if my bike doesn’t have a frame number?
If you don’t have a frame number, the bike either needs to be be postcoded by your local police station or data tagged by your local cycle shop. The data tag serial number or the postcode would then act as your frame number.
Am I able to change the address on my policy mid-term and will there be a cost involved?
It is possible to change the address we have for you on your policy and if there is a change in the premium, this will be applied on renewal.
Is there an excess?
Yes, the excess is either 5% of the value of the claim or £25, whichever is more.
Do you cover Cycle to Work Scheme bikes?
Yes, we cover many hundreds of bikes bought throught the Cycle to Work scheme.
Any other questions? Call for free on 0800 212 810 and we will be happy to help
To read about the policy in detail click here