When a bicycle is left in a location other than your home for more than 12 hours at any one time or at a railway station for more than 24 hours at any one time.
Equipment added or fixed to the bicycle in addition to the manufacturers original specification, including helmets, shoes, jerseys or vests, base layers, gilets, glasses & goggles, jackets, shorts, trousers, wetsuits, backpacks, helmet mounted cycling cameras, cycling computers, cycling GPS unit, lights, cycle luggage, cycling tools, cycling armour, guards & locks.
An external, sudden, unexpected, unusual specific event occuring at a definable time and place.
Damage caused to the bicycle accidentally by violent and external means, including vandalism.
Identifiable physical injury or death.
An organised contest from which a winner is selected.
Any bicycle plus any fixed accessories which are your property or for which you are legally responsible. Including tricycle, tandem, trailer cycle or push scooter. The bicycle must be driven by human pedal power or electric battery with an output not exceeding 250w/15.5mph.
Evidence of ownership
Original sales purchase or till receipt showing the date, price paid and details of the bicycle and approved lock.
The amount that you must bear as the first part of any agreed claim as specified on your policy.
Forcible and Violent Entry or Exit
- Evidence of visible damage to the fabric of the building or vehicle where entry or exit was gained.
- Damage caused to an immovable object or approved lock.
Location stated in your insurance schedule where your bicycle is usually kept. Please see Insurance Booklet for descriptions.
For bicycles over 3 years old a deduction will be made for wear and tear.
The amount stated in your Insurance Schedule.
The intentional damage caused by a third party.
New For Old
We will pay the cost of a comparable replacement for the lost or damaged bicycle providing the article was new at the time of purchase and the cycle is not more than 3 years old.
The insurance document, Insurance Schedule and any endorsements.
Permanent total disablement
A disability that lasts longer than 12 months which entirely prevents you from attending any business or occupation of any kind and at the end of that period being beyond hope of improvement.
The Insurance Schedule issued to you including any endorsements.
Unauthorised taking, keeping or using of the bicycle by another person with the intention of permanently depriving you of it.
England, Scotland, Wales, The Channel Islands, Isle of Man and Northern Ireland.
United Kingdom Resident
Means domiciled in the U.K.
Up to 45 days Worldwide during any one trip and the cover is shown on your Insurance Schedule.
The insured person/persons named on the Insurance Schedule who is a United Kingdom Resident.
Where you have paid the appropriate premium and bicycles and accessories cover is shown on your insurance you are covered for:
- Theft of your bicycle from your home
- Theft of your bicycle while away from your home
- Theft of your bicycle from a motor vehicle
- Accidental damage to your bicycle
- Malicious damage to your bicycle
We will pay for the cost of replacement as new providing the damaged bicycle was not more than 3 years old at the date of loss and provided it was new when you purchased it. If the bicycle was more than 3 years old or was not new at the time of purchase, then we will deal with the claim on an indemnity basis.
Cover is extended to include theft from your home and accidental damage to accessories where you have paid the appropriate premium and accessories cover is show on your Insurance Schedule.
Evidence of ownership will be required for you to make a claim. This can include original sales or till receipt, bank statements, dealer valuation or other evidence clearly showing details of the date, price paid and details of the bike or any accessories. Keep hold of any damaged items or locks.
It is a requirement of the policy that your bicycle is secured using the appropriate "Sold Secure" lock or Thatcham approved lock.
Please review our "Key Information" section for further information, plus you can watch our short video, to understand which bike lock to use and how and where to lock your bike.
You are covered up to the limit stated on your Insurance Schedule if at any time you are involved in an accident whilst using a bicycle, which shall solely and independently of any other cause, cause:
- Bodily injury, which results in your death, permanent disablement, broken bones Arm (Humerus, Radius, Ulna) or wrist (carpels), Leg (Femur, Tibia, Fibula), Ankle (Tarsals) or Kneecap (Patella), medical expenses, physio treatment or loss of income.