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Yes, it’s optional, but we can cover your bike box under the accessory section of our policy. Just select the cover, select the amount, and you are covered.
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We can cover trailers for cycles; however, we do not cover trailers for carrying cargo/items.
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You should insure the bike for its original price or the amount to replace the bike new before any sale/discount.
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Yes, you can cover any bikes owned by immediate family members who live at the same address.
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Yes, you can insure for the total value of the bike using original receipts.
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No, any spare parts or wheels that are not permanently attached to the bike should be included in the accessory value.
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Accessories include: helmets, shoes, locks, jerseys or vests, base layers, gilets, glasses & goggles, jackets, shorts, trousers, wetsuits, backpacks, helmet-mounted bicycle cameras, bicycle computers, cycling GPS units, lights, bicycle luggage, bicycle tools, bicycle armour & guards, and your lock.
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Yes, you should insure the bike for its second-hand value. This is known as the indemnity value, where wear and tear is taken into account.
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Yes, we can cover bikes purchased through the cycle to work scheme. Just make us aware when setting up your policy so we can ensure you are correctly covered.
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As above, you need to let us know when setting up the policy that you have purchased it through the cycle to work scheme.
If you need to make a claim, you will need to send us the original sales purchase or till receipt as proof of purchase and a copy of the hire agreement. Even if the claim is made during the initial 12-month “hire period”, the claim will be settled directly with you, the policyholder.
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For the bike and accessories, the standard excess is £50 or 10% of the claim value. You can also increase or decrease the excess to suit you.
For Public Liability, there is no excess to pay.
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You are not covered; the lock must meet the minimum requirements to match the value of your bike in order for the cover to be valid.
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Yes, you need a rated Sold Secure lock dependent on your bicycle value:
- Insured bike value under £500 requires a Sold Secure Bronze rated lock.
- Insured bike value under £1,000 requires a Sold Secure Silver rated lock.
- Insured bike value over £1,000 requires a Sold Secure Gold or Diamond rated lock.
- Insured bike value over £1,500 requires a Sold Secure Gold or Diamond rated lock.
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Yes, as long as the bike has been secured to an immovable object, with an approved lock and has not been left for more than 24 hours at any one time.
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The original sales receipt or other evidence which clearly demonstrates ownership.
This may include, but is not limited to, a bank/credit card statement or dealer valuation, including a photograph of the bicycle.
The evidence must clearly show the price paid, the date purchased, and details of the bike, any accessories, and the approved lock.
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No, public liability covers you when a third party is making a claim against you. Legal cover is for expenses incurred if you need to take action against a third party.
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Public Liability provides cover if you were to injure a third party or cause third-party property damage accidentally through your use or ownership of a bicycle. This covers costs such as compensation, court costs, and solicitors' fees.
Note: This cover is not available to under-16s
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Personal Accident will cover you if you suffer a serious injury whilst participating in the insured activity.
Death - Covers the death of the insured person(s) whilst participating in the insured activity.
Permanent Disablement
- Loss of sight/both hands/both feet - 100%
- Loss of one eye/hand/foot - 25%
- Other permanent disablement - 100%
Physio - Non-national health expenses incurred by you.
Broken Bones - Insured bones include:
- Arm (Humerus, Radius, Ulna)
- Wrist (Carpals)
- Leg (Femur, Tibia, Fibula)
- Ankle (Tarsals)
- Kneecap (Patella)
Hospitalisation - If you are required to stay in hospital for more than 24 hours, up to a maximum of 25 days.
Emergency Dental - If emergency care is required due to an accident whilst participating in the insured activity.
You will be insured up to the limits set out in your insurance schedule, which you can choose at the point of purchasing the insurance.
Excesses apply to the following sections:
- Dental - 50% of the claimed amount
- Hospitalisation - time in hospital must exceed 24 hours
- Physio - 25% of the claimed amount
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There is no excess for you to pay in the event of a claim on the legal policy, as legal cover is designed to help you take action against others.
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If selected, any legal costs incurred when pursuing a claim against a third party for any uninsured losses or personal injury following a road accident. You also get access to a legal advice helpline open 24 hours a day, 365 days a year.
For policies incepted after 01/01/2025, the legal cover is underwritten by ARAG.
For policies incepted from 2nd March 2015 to 31st December 2024, the legal cover is underwritten by ARC.
You can find the relevant legal cover booklets on our Important Documents page.
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There is no cover available for under-16s for Public Liability.
If you are under 18, the death benefit on your Personal Accident cover is reduced to the following limits:
- Level 1 - £2,000
- Level 2 - £5,000
- Level 3 - £10,000
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No, you do not need competitive use cover to take part in a Sportive.
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No, competition use is only required for an organised contest where a winner is selected.
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Unfortunately, no. We are unable to offer cover for professional cyclists; our policies are designed for social & pleasure use only.
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No, our policies are designed for social & pleasure use only; there is no cover for any commercial or business use. However, commuting to and from work is covered for you.
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Yes. Just as you would if you changed your car or moved house, you need to inform us if you get a new bike so we can update your policy and make sure you are covered.
You can request the change through our Contact Us page.
Note: Admin fees apply to all policy changes as per our Terms of Business.
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Yes, our policies are very flexible, allowing you to change or adjust your policy at any time throughout the policy term.
To make a change, please visit our Contact Us page and choose the relevant policy management option.
Once we have received your request, a member of our team will be in touch within 24 hours.
Note: Admin fees apply to all policy changes as per our Terms of Business.
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No, check your policy documents to ensure you have European or Worldwide cover and you are covered.
If you do not have the required cover, please visit our Contact Us page to request an upgrade for your trip.
Note: Admin fees apply to all policy changes as per our Terms of Business.
Note: Cover outside of the UK is not available for electric bikes.
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You can pay in full on a card, a single direct debit payment or spread the costs across the year with our monthly payment option.
Note: Monthly payments are only available on policies over £50.00, and an interest rate will apply.
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Premium Credit is the leading premium finance company in the UK and Ireland.
When you choose to pay for your insurance policy with us, your credit agreement will be provided by Premium Credit.
Please note: A credit search will be carried out, which will leave a footprint. Interest charges apply.
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If you need to discuss your Premium Credit agreement, please contact Premium Credit on 0344 736 9836.
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If you have chosen to pay for your insurance policy monthly, there are fees applicable for missed payments or if your credit agreement has not been completed.
If you are seeing any additional fees on your statement and have a monthly instalment plan with Premium Credit, you will need to contact them on 0344 736 9836.
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The reason that you have been charged 2 payments is because these are the first 2 out of your 10 monthly payments for your policy.
When a policy renews, our partner, Premium Credit, will collect the first 2 of the 10 monthly payments from the customer on the same day. This is due to the first payment after renewal taking up to 10 working days to be set up, and then your payments continue as normal on the usual payment date, so the first 2 payments will be taken close together or even on the same day. However, I can assure you that this does not impact the cost of your insurance in any way and can confirm that you only have 8 monthly payments due for this year.
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You can report your claim online using the Cycleplan Davies E-Claims portal.
You can also contact our claims handlers at The Davies Group to discuss or make a claim.
Telephone: 0333 400 7387
Email: newclaim.cycleplan@davies-group.com
Their opening hours are 9.00am to 5.30pm Monday to Friday excluding bank holidays.
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If you need help with your Cycleplan insurance, please visit our Contact Us page.
Here you can access your Members Area, start a live chat or submit a request to our team.
