Bicycle Cover Unveiled
Jargon, terms and conditions, don't worry, we've tried to make this clear, simple and transparent.
Bicycle Insurance Cover Levels
Just scour the insurance marketplace, there's plenty of options available. Know what you want, ask if you're not sure, get the right cover for your needs. You'll need us in the moment of truth, let's make sure you've got a good understanding of the cover you're purchasing.
Standalone Bicycle Insurance
Why do we exist? Mainly because traditional home and contents insurance is not designed with cycling enthusiasts, expensive bikes and unique uses in mind.
Tailored cycle insurance products are designed to cover you and your bike for all eventualities.
Be it covering yourself against third-parties making a claim against you, should you damage them or their property, protecting you whilst travelling or competing in events.
Ever been by the side of the road and broken down, yes, we cover that too.
Expensive accessories are likely uncovered elsewhere, we've got options for those too.
Standalone cover may suit your needs better than generic covers for other products with a little cycling cover included. Compare the terms, make sure you're ware and adequately covered.
Cover for Theft and Damage
Our cover as standard protects you against theft, accidental and malicious damage. Please be sure to read the details of cover from other providers, some don't include this cover as standard.
All Insurers will require you to protect your gear, that means treating it like it's a bundle of cash. You wouldn't leave that bundle outside a coffee shop unattended when popping in for a Latte. Make srue you use the correct standard of lock required when the bike is unattended. it's a requirement in the UK Insurance market. For clarity, our minimum standard is Gold Sold Secure.
Personal Accident Cover
Personal accident cover is an optional add-on to many cycle insurance products. We include this cover for free, up to £10,000. You can increase the level if you need to.
Personal accident covers you for any accident that results in injury, disability or death.
Some personal accident covers can help to cover medical expenses, lost income, and other related costs.
Again, check the detail to ensure you're covered for your needs.
Liability Cover
Liability cover with Full Send Cover is available at two levels, £1M or £2M.Most Insurers provide this cover, at differing levels.
It's super important to ensure you're protected in the event of a third-party claiming against you for damage to them or their property that they deem you have caused.
Without cover, you could be responsible, personally, for those costs and claims.
Home Insurance with Bicycle Cover
Take a look at your home insurance cover, including contents, you're likely covered for a small level of cycle cover, at the home, sometimes away from it, however, the cover isn't their core cover and might not protect you against the risks you truly face being a cyclist.
There's also much more to consider, for example, should you make a claim for your cycle on your home isnruance, you'll likely be penalised with a loss of no-claims discount, potentially increasing the cost of your cover the following renewal.
The key elemetn that matters here is that you need to select the right cover, for your needs, based on your use of the cycle, its value, the risks of stuff going wrong. Just check the detail, if you're unsure, ask your home insurer, or us!
Travel Insurance with Bicycle Cover
Travel insurance does not offer an extension to add your cycle on cover, crazy right! So, consider a dedictaed product that offers you cover for going abroad, in-transit and if you're competing.
Key Benefits and Features of Cycle Insurance
We want to ensure you're armed with the full facts on cover that we offer - make sure others you take a look at do the same.
Cover for theft as well as accidental and malicious damage to your bike, both at home and while you're out and about.
Cover for the more serious incidents and protection from third-party injury and property damage claims against you.
Unique cover tailored to your build. Ensure you cover the valuable accessories and have cover for the mods that you've made.
We'll offer assistance if your cycle breaks down mid-ride and the option to add cover to hire a cycle, should you need it in you've had a claim.
Don't forget this all important cover, often overlooked. With our free legal helpline and cover, you'll be protected to claim any uninsured losses and to defend yourself against a claim.
Bicycle Insurance Legal Requirements (U.K.)
Bicycle insurance cover is not yet a requirement here in the U.K. however, considering the risks of theft, damage, accident and liability, it's prudent, in our opinion to ensure you'r covered for all eventualities.
Now Check out Our Cover Levels
We'll get you a replacement bicycle quickly - don't forget that Gold/Diamond Secure lock!
Including cover for accidents and malicious/vandalism
Free legal helpline and legal cover to recover uninsured losses
We provide you with cover in the event that you seriously injure yourself whilst out cycling
Injury to a member of the public or damage to third party property whilst out riding
Want to be covered while you're cycling the globe? No problem!