What we cover

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

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 in the transition areas as long as the area is supervised by a marshal (which is usually the case).

Cover for touring and travelling abroad

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 your bicycle is locked through its 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 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, punctures and flat batteries. 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 happily 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.