Yes. With our Pedal Cover product, any named bike is covered in Europe for up to 30 days, any one trip. With our Podium product, any named bike is covered worldwide for up to 60 days, any one trip.

If you are transporting your own bikes on or in a car, you would be covered for accidental damage and theft (if you adhere to our security criteria). If you hand your bike over to a courier company or common carrier, we would cover the bike for accidental damage so long as the bike is securely packed and you have a receipt for the transit. We would not cover the bike for theft though. If you fly with your bike, we would cover it for theft and accidental damage. The same rules apply; it must be securely packed, with a receipt as proof of transit. If your bike is lost or stolen whilst in the care of the airline, we would cover this so long as you report it to the airline within 72hrs of discovering the loss.

If you only want to insure a couple of bikes in your fleet, that’s A-OK. Just tell us which ones you want to insure, and list them on your policy. If you claim for a bike that is not listed on your policy, we cannot cover it.

No – the accidental damage section on our contents policies for your typical household possessions (phones, glasses, TVs). The pedal cycle coverage is separate and includes accidental damage as standard. Even if you choose our Pedal Cover tier without accidental damage, your listed pedal cycles are automatically covered for damage.

No, it doesn’t need to be listed as the box would be covered under the cycle accessories. Bike boxes are covered up to the price you paid, you will need proof of purchase in the event of a claim.

Cycle accessories are most definitely covered. We regard accessories as items not essential to the operation of your bike e.g. jerseys, bib shorts, helmets, cycle shoes, saddlebags, cycle computers, bottle cages, bottles, clip-on tri-bars and bike boxes (the list does on…). If you have upgraded components or wheels,  you need to add them to the total value of your bike as these wouldn’t be covered under cycle accessories.

We do not depreciate pedal cycles. This means in most cases we ask that you insure the pedal cycles at the price you paid for them (whether new or second-hand). There are a few exceptions though. If you bought the bike new from a retailer, with a significant discount, you can insure it for the RRP at the time. If the pedal cycle is an antique or vintage, you can insure it at the valuation provided to you by a suitable shop or expert, (the valuation must be within the last 3 years). If you built the bike up from parts, you can insure it for the sum of all the parts, including any external labour costs (i.e. you can’t include your own time).

Yes, we will cover the bike box for the price you paid for it. You would need to be able to evidence of purchase, a receipt or email transaction record.

No. We can only insure pedal cycles that are permanently stored at your home, as listed on your schedule. If you keep your bikes at a second address, you should make sure they’re covered under a separate policy.

In order for us to agree to the value of a custom build without any receipts, we would need you to email our customer support team so we can agree on a value. In the event of a claim, we’d hate to disagree! It’s always best to be on the same page.

Best visit the claims section of our contact page HERE for all the most up to date information.

Yes.

Yes, there are different excesses applied to the policy depending on which section you’re claiming under.

We provide a selection of excesses for standard perils and fixed excesses for other sections.

One of the unique features of our policy is we do not depreciate the value of your bicycle, no matter its age. You should therefore always insure your bicycle for what you paid (whether new or second-hand).

If you underinsure your bicycle, we will simply reduce the settlement value proportionately to the level of underinsurance. This is common practice within most areas of insurance.

For complete clarity, here is an example of how we would calculate a pay-out for an underinsured bicycle.

(sum insured/actual value) x loss = claim sum paid

Example :

Price Paid – £2,000

Insured for – £1,500

Bike is stolen

(£1,500 / £2,000) x £1,500 = £1,125

Pay-out to the customer is £1,125 less the excess

Our customer service team are always willing to explain this if you need any further clarification.

For policies purchased after 01/01/2021 – Building and Contents claims under this scheme are handled by NIG, part of the Direct Line Group. However, as Pedal Cover are the cycling experts, we handle the cycling-specific elements on their behalf. Any family legal claims are handled by DAS, the insurer of the legal protection.

Sports equipment is covered under our Personal Possessions section. Under our Pedal Cover product, any personal possession over £2,500 needs to be listed if you want it covered, and any personal possession under £2,500 is covered as standard. Under our Podium product, any personal possession over £5,000 needs to be listed if you want it covered, and any personal possession under £5,000 is covered as standard. We cover the sports equipment whilst stored at your home, however, we cannot cover them for accidental damage whilst in use.

No, only the items you want insuring. Under our Pedal Cover product, any item over £2,500 needs to be listed if you want it covered, and any item under £2,500 is covered as standard. Under our Podium product, any item over £5,000 needs to be listed if you want it covered, and any item under £5,000 is covered as standard

Sets and Suites are covered under our Podium product only. There is no Sets and Suites cover under our Pedal Cover product.

If you purchased a valuable item recently, you should insure it for the price you paid for it. However, for older or collector’s items, you should make sure you have a recently dated valuation certificate to prove the value (within the last three years). These should be updated regularly as values can fluctuate significantly, particularly gold.

No, you only need to list valuables that you want insuring under this policy.

Unfortunately not, business equipment (Laptops, printers, photocopiers etc) are only covered whilst in the home.

Personal mobile phones are covered, however mobiles for business use only are not. If you need cover for accidental damage for your phone, and not just theft, you need to make sure you select the appropriate coverage.

We would classify an engagement ring as a ‘Valuable’ item. Under our Pedal Cover product, any valuable over £2,500 needs to be listed if you want it covered. Any valuable under £2,500 is covered as standard. Under our Podium product, any valuable over £5,000 needs to be listed if you want it covered, any valuable under £5,000 is covered as standard.

One of the unique features of our policy is we do not depreciate the value of your bicycle, no matter its age. You should therefore always insure your bicycle for what you paid (whether new or second-hand).

If you underinsure your bicycle, we will simply reduce the settlement value proportionately to the level of underinsurance. This is common practice within most areas of insurance.

For complete clarity, here is an example of how we would calculate a pay-out for an underinsured bicycle.

(sum insured/actual value) x loss = claim sum paid

Example :

Price Paid – £2,000

Insured for – £1,500

Bike is stolen

(£1,500 / £2,000) x £1,500 = £1,125

Pay-out to the customer is £1,125 less the excess

Our customer service team are always willing to explain this if you need any further clarification.

Our home + bicycle policy has two levels of cover, Pedal Cover our core product, and Podium which gives you that little bit extra.
Our policies have all the covers you’d expect from top-notch home insurance.
Compare our two levels HERE to see what’s covered under each tier for contents, buildings, personal accident, pedal cycles and legal expenses

You and your family cannot use your home for business purposes other than paperwork, telephone calls and computer work.

They are on our Podium cover, up to £10k. There is no cover on our Pedal Cover product for this.

Yes – any family members who permanently resides with you are covered under this policy.

Our home + bicycle policy has two levels of cover, Pedal Cover our core product, and Podium which gives you that little bit extra.
Our policies have all the covers you’d expect from top-notch home insurance.
Compare our two levels HERE to see what’s covered under each tier for contents, buildings, personal accident, pedal cycles and legal expenses

No – this is the responsibility of the landlord. You can only insure the contents of the building, as you don’t own the building itself.

Heave is the upward movement of the ground normally associated with clay soils that swell as they get very wet. Heave normally creates vertical cracks in the brickwork and windows, distorts doors in their frames and might lift up paths and patios.

Subsidence is where the ground beneath a property sinks, pulling the foundations down too. Subsidence is normally caused by clay shrinkage, tree roots growing close to foundations and water washing away soil beneath foundations. Cracks from subsidence are normally diagonal and get wider as they go up.

Our home + bicycle policy has two levels of cover, Pedal Cover our core product, and Podium which gives you that little bit extra.
Our policies have all the covers you’d expect from top-notch home insurance.
Compare our two levels HERE to see what’s covered under each tier for contents, buildings, personal accident, pedal cycles and legal expenses

Yes. Under our Pedal Cover product, you are covered for up to £2m within Europe for up to 60 days (limited to 30 whilst cycling). For our Podium product, you are covered up to £2m worldwide for up to 60 days (including cycling). However, liability does not extend to the USA and Canada for cycling based activities. If you require this, you should take out appropriate travel insurance.

No, this is not a travel insurance product. If you require medical, repatriation or cancellation cover, you should take out appropriate travel insurance to cover you for your trip.

If you intend on leaving your property unoccupied for more than 60 days, please call to see what options you have. If you don’t tell us, you may not be covered.

Yes. If you cancel your policy before it is due to start, we will return any premium paid in full.
If you cancel within 14 days of your policy starting or within 14 days of receiving your documents (whichever is later) we will return any premium paid, less our fee.
If you cancel after 14 days have passed, we will return any premium paid, less our fee and an amount for the period the policy has been in force.
However, we will not refund any premium if there has been a claim against the policy.

One of the unique features of our policy is we do not depreciate the value of your bicycle, no matter its age. You should therefore always insure your bicycle for what you paid (whether new or second-hand).

If you underinsure your bicycle, we will simply reduce the settlement value proportionately to the level of underinsurance. This is common practice within most areas of insurance.

For complete clarity, here is an example of how we would calculate a pay-out for an underinsured bicycle.

(sum insured/actual value) x loss = claim sum paid

Example :

Price Paid – £2,000

Insured for – £1,500

Bike is stolen

(£1,500 / £2,000) x £1,500 = £1,125

Pay-out to the customer is £1,125 less the excess

Our customer service team are always willing to explain this if you need any further clarification.

We have some simple to follow minimum security requirements at Pedal Cover for your home. They differ depending on the building you’re locking (house, shed, garage etc).

Your home or temporary holiday accommodation (but not domestic garages, outbuildings and sheds)
– You must lock all final exit doors with a deadbolt, and where you have them, all window locks and alarms must be in operation.

Your domestic garage, outbuilding or shed within the boundaries of your home
– You must secure all external doors by a deadbolt or a CEN Grade 3 closed shackle padlock, and any window locks must be in operation.

A self-contained, lockable room with restricted access within a university hall of residence or boarding school.
– You must lock all final exit doors of the room, and all window locks must be in operation.

Your vehicle.
– You must store all items within a closed glove box or covered boot and you must lock all windows and doors including the boot. You must also switch on an alarm if the vehicle has one.

We also have locking requirements specifically for bicycles, found HERE.

In the instances you need to use a bike lock, you need to make sure its a good one and the object you lock it to is immovable. We insist on Sold Secure locks. Sold Secure is an independent association which tests a wide range of locks which means we can both be sure of the quality and robustness of the lock you’re using. If your bike’s value is less than £1,500 you need a minimum of a Sold Secure Silver rated lock. If your bike is worth more than £1,500 you need to use a Sold Secure Gold rated lock. For more information, visit our security blog HERE.