Do I need bicycle insurance?
Your household insurance does not always cover your bicycles; therefore you may want specific bicycle insurance.
Can I insure more than one bicycle on my policy?
You are able to insure up to 3 bicycles on one policy.
How much can I insure my bicycle for?
The maximum sum insured is £5,000 per bicycle.
What happens if I have a custom made bicycle?
We would require a full breakdown of the make, model and value of the different components/parts (including the frame details). In the event of a claim we would require the original purchase receipts for these parts.
What type of lock do I need to have?
You are required to have a Sold Secure tested and approved lock, based on the value of the bicycle. Please take a look at our Bicycle Lock List.
What are the security requirements on your bicycle policy?
Full details are provided within our bicycle insurance Security Requirements within our policy wording.
Can I insure my bicycle if it is purchased through the "Cycle to Work Scheme?"
We do offer full cover for bicycles purchased under this scheme. In the event of a claim resulting in total loss, settlement will first be made to clear any outstanding balance owed to a third party.
Will you cover my bicycle trailer?
We cover bicycle trailers in use, at home and in an unattended vehicle for theft, accidental loss & accidental damage if our 'Bicycle Trailers' Elective Benefit is chosen.
Can I insure my electric bicycle?
Electrically Assisted Pedal Cycles (EAPC) are covered by our bicycle insurance but the output must not exceed 250w/15.5 mph.
What is 'New for Old'?
If, within 4 years of the manufacture date (a) your bicycle is lost, stolen or accidentally damaged (b) you have insured the bicycle for the value of a new replacement and (c) you have chosen 'New for Old' cover we will pay up to the new replacement value.
What is 'New for Old for Life'?
If, during the working life of your bicycle (a) your bicycle is lost, bicycle for the value of a new replacement and (c) you have chosen the Elective Benefit 'New for Old for Life' we will pay up to the new replacement value.