What we cover

Here you will find a summary of everything covered under our cycle insurance.

Racing & Events

If you have chosen this extension and it displays on your policy schedule as selected, your cover is extended to include participation in organised cycling events, provided you have met the cover conditions set out in the policy terms.

Cover for touring and travelling abroad

All policies provide cover in the EU as standard, for cover outside the EU our worldwide cover extension must be selected. If you have chosen this extension and it displays on your policy schedule as selected, your cover is widened to include trips outside the United Kingdom and the EU. We will extend the cover you have selected under this policy while you are cycling outside of the EU, provided you have met the cover conditions set out in this policy.

Insurance cover for electric bicycles, e-bikes and electrically assisted bikes

If your electric bicycle has an output from the motor not exceeding 250 w/15.5 mph, we can cover you. In fact, we offer a 30% discount for e-bikes. Riders of electric bicycles benefit from protection against battery theft, when you have selected the theft option. Our cycle rescue add-on, if selected, will also provide cover for mechanical failure, punctures and flat batteries. If you have any specific questions please call us on 0333 000 1234.

Low excess

Standard excess is 5% of the claim value (£50 minimum, capped at a maximum of £500). Claims where a bicycle was left unattended in a public place between the hours of 1:00 am and 4:00 am are subject to a higher excess of 20%, or a minimum of £100. This higher excess also applies to folding bicycles when they are locked in a publically accessible place, at any time.

Cycle to Work

If you have bought a bike through the Cycle to Work scheme, it can be covered as standard under our policy. We also cover bikes under the Bike to Work scheme.

Hired bikes

We are unable to provide cover for hired bicycles that have been hired from a company for personal use. Usually, the business you are hiring the bike from will provide adequate cover.

For full terms and condition please refer to our policy wording.