We've highlighted our key exclusions and conditions below:

 

  • At point of claim you will be required to provide us with Evidence of Ownership. This is the original purchase receipt of the bicycle, showing the date, price paid, details of the bicycle and any other evidence that clearly demonstrates ownership. 
  • Should you need to make a claim, please be aware of the following Excess amounts. For the value of the bike insured: 
  £0 - £349.99 £25 excess
  £350 - £899.99 £50 excess
  £900 - £1,499.99 £75excess
  £1,500 - £2,499.99 £100 excess
  £2,500 - £8,000 £200 excess

 

  • You should refer to and make sure you are happy with the Security Requirements of the policy. This includes guidance to ensure your bike is suitably covered both when at home, but also when out and about with your bike. 
  • When locking your bike (see Security Requirements for more detail on when you should do this) you will need to use an approved lock, as follows. Most bicycle locks are clearly specified with a ‘Sold Secure’ rating. For the value of the bike insured: 
  £0 - £249.99 a ‘bronze rated’ lock tested by Sold Secure is required
  £250 - £1,499.99 a ‘silver rated’ lock tested by Sold Secure is required
  £1,500 - £8,000 a ‘gold rated’ lock tested by Sold Secure is required

 

  • In the event your bicycle is stolen or vandalised you must report it to the Police within 48 hours and obtain a crime reference number.
  • This policy does not include cover for public liability. Our bicycle insurance product is designed to cover your bike against theft, vandalism and accidental damage. 
  • By selecting to include the optional European Cover your bike will be covered as per the rest of the policy conditions but extending your cover beyond just the United Kingdom to the anywhere in the European Union. You are covered for a period of 90 days during any one period of insurance (12 months) for a maximum of 30 days per trip. 

Please make sure you read the full Terms and Conditions of the policy so you're clear on what is covered. We want to make sure the policy is right for you. We always give you 14 days from when you buy the policy to cancel it, free of charge.