Proof of Ownership
If you need to make a claim you must provide proof of ownership, or purchase, of your bicycle and any fixed accessories.
How to prove ownership of your bicycle
We require that you provide proof of ownership of the bicycle before you make a claim under your policy.
If you have the original proof of purchase:
The purchase receipt is sufficient proof of ownership. Just provide us with a clear copy of this document. It must show the bicycle's make, model, serial number, and the date of purchase.
If you do not have the original proof of purchase:
If you purchased your bicycle second hand or no longer have the proof of purchase, You must instead provide us with the following three digital photographs:
- A photo showing the entire left side of the bicycle
- A photo showing the entire right side of the bicycle
- A photo of the bicycle's serial number (this is usually located under the bottom bracket)
When taking these photos, please ensure a piece of paper with your policy number written on it is clearly visible within each image.
How to prove ownership of a suitable lock
It is a condition of cover that you adequately secure your bicycle with an approved lock when you leave it in a public place. We do not require you to lock your bicycle when it is being kept at home, so long as it is not visible from the exterior of your property and that it is not accessible by anyone other than members of your household.
However, if you need to claim for theft that happened when your bicycle had to be locked correctly in order to qualify for cover (i.e. left unattended in a public place), you must prove ownership of a suitable lock.
We will accept any of the following:
- Original purchase receipt
- Ebay or PayPal documentation confirming sale (must mention make and model)
- A valid web receipt clearly showing your purchase of a valid bike lock if it was bought online
- A bank statement clearly showing the transfer of funds for the purchase of your cycle lock
- An independent written valuation of the bicycle lock, provided by an accredited cycle retailer
- Clear photographs of the lock in question, both separately from, and locked to, your insured bicycle. If you cannot provide a receipt and are using photographs to support your claim, these must be supplied to us before such a time as you need to make a claim.
Don’t wait to claim
If you have any doubts that you would be able to provide a receipt proving ownership in the case of a claim, please supply us with supporting evidence, as described above, as soon as possible. This will be stored on file by our claims team, giving you peace of mind should you need to make a claim.
You can email proof of ownership to claims@eta.co.uk