About Us

• FAQ's
• Useful Links
• Terms of Business
• Marking, Registration & Verification of Your Bicycle
• Approved Locks

FAQ’s

Why do I need bicycle insurance?

Many people assume that their bike will be covered by a home insurance policy but often this is an optional extra and bicycles over a certain value have to be specified on the policy and an additional insurance premium paid. If you bought your bicycle under the Bike to work scheme and it is stolen, it could cost up to twice as much to replace with no more tax refief. Many bikes, especially those used for commuting, are stolen away from the home and will not be covered by a standard home contents policy.

Expensive bikes, particularly top-end mountain bikes, are often stolen to order either inside or outside the home. While the best high quality locks can prevent theft, a specific bicycle insurance policy gives additional peace of mind. Liability coverage against potentially expensive third party claims in the event of an accident .

What information do you need to start cover?

We will need your name, date of birth, contact details, , payment details and the make, model, year of manufacture and serial/frame number of each bicycle you would like to cover.

I'm buying a bicycle through my employer through the bike to Work scheme – will this affect my premium?
No

If I were to go shopping, secure my bike with an approved lock to a lamp post and it were then to be stolen from the high street, would I be insured?

Your bike only needs to be kept inside when at the insured location (where you keep your bicycle).

If you are away from the home with the bike and need to leave it unattended, it must be locked through the frame to an immovable object with an approved lock (a lock from our approved lock list).

Am I covered if I lend, loan or hire my bicycle to someone else?

Through our 'family members' option, your bicycle will be covered for use by other members of your family against theft and accidental damage only.

A family member means parents, spouse, partner, siblings or children aged 16 years or over but only when living at the insured location

Is my bicycle only covered while locked at my workplace?

Providing you follow the security requirements your bicycle is covered whether at home, work or down at the shops!

What is public liability cover?

Public Liability also known as personal liability or third party liability. It provides cover against damage to persons or property caused by your proven negligence.