Here you will find a summary of everything covered under our cycle insurance. If you are wondering how we compare to other providers, you can view our cycle insurance comparison table.
| Benefit | Covers up to | People covered | Where |
|---|---|---|---|
| Theft and Damage | Insured value | You and your family on your bicycle | Worldwide |
| Equipment and accessories | £1,000 | You and your family on your bicycle | Worldwide |
| Get you home cover | £250 | You and your family on your bicycle | Worldwide |
| Replacement Cycle hire | £500 | You and your family on your bicycle | Worldwide |
| Personal Accident | £20,000 | You and your family on your bicycle | Worldwide (excluding US and Canada) |
| Personal Liability | £2,000,000 | You on any bicycle and you and your family on your bicycle | Worldwide (excluding US and Canada) |
| Cycle Rescue | 25-mile radius | You on any bicycle | Europe |
| Loss of Earnings cover | £250 per week | You on any bicycle | Worldwide (excluding US and Canada) |
Triathlon and race event cover
Your bicycle is covered for theft, accidental damage and vandalism including during triathlon events. Furthermore, your bicycle is covered against theft when it is left in the transition area. The bicycle does not need to be locked while it is in the transition areas as long as the area is supervised by a marshal (which is usually the case).
Cover whilst touring and traveling abroad
Whilst travelling worldwide the policy provides cover for unlimited trips, up to a maximum of 60 days per trip. You are covered against theft, accidental damage and vandalism anywhere in the world and for personal accident, personal liability and loss of earnings, everywhere excluding the US and Canada. If you are camping, you must ensure that your bicycle is locked through it’s frame, with a correctly rated lock and to an immovable object, as defined in the policy terms, the bicycle must not be left unattended for more than 18 hours at a time.
Insurance cover for electric bicycles, e-bikes and electrically assisted bikes
If your electric bicycle or pedelec has an output from the motor not exceeding 250 w/15.5 mph, we can cover you. In fact, we offer a 20% discount for e-bikes. Riders of electric bicycles benefit from protection against battery theft and our cycle rescue service that covers mechanical failure. If you have any specific questions please call us on 0333 000 1234.
Insurance cover for self-built and custom bicycles
If you have built a bicycle yourself or ride a custom bicycle, we will be happy to offer you cover based on a valuation from your local cycle shop. See our FAQs for more.
Low excess
Standard excess is 5% of the claim value (£50 minimum, capped at a maximum of £500). Third party claims (£2m third party cover) are subject to an excess of £250. Claims where a bicycle was left unattended in a public place between the hours of 01:00 and 04:00 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 public place.
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 bicycles that have been hired by a company for personal use. Usually, the business you are hiring the bike from will provide adequate cover. If you are a company and are looking for insurance for your fleet of bicycles, you will need Cycle Hire Insurance.
For full terms and condition please refer to our policy wording.