No, you only need to list valuables that you want insuring under this policy.
Home insurance for cyclists. Building cover, contents cover and bicycle insurance all in one bundle, so no matter where your bike takes you, the things that matter most are taken care of.
• Theft away from home
• Crash damage
• Personal Expenses
• Legal expenses
• Race cover
• Public liability
• Multi bicycle cover
• Theft from a vehicle
+
• Buildings up to £1m
• Contents up to £100k
• Flexible contents cover
• Theft or attempted theft
• Theft from outbuildings
• Fire, explosion, lightning
• Accidental Damage
• Personal liability
From
£15
a month
If you already have buildings insurance, we can just look after your prized possessions. This includes up to £50,000 worth of bicycles.
From
£20
a month
Home insurance for cyclists, provides the cover of a specialist cycle policy as part of your home policy, cutting the hassle and expense of dealing with separate providers.
Our core home insurance for cyclists allows you to add bikes with a total value of £25,000 and individual bikes valued at £10,000. With Podium, you can add bikes with a total value of £50,000 with a £15,000 single bike limit.
What’s more, all of your family living in your household will get the same level of cover as the policy holder.
Our home insurance customers get instant access to discounts from some of the best cycling, triathlon, outdoor, and lifestyle brands in the UK.
If you’re looking to upgrade a power meter, buy some new outdoor clothing or equipment, or even looking to buy a new bike, we could save you hundreds.
We can hopefully answer all your questions related to our home insurance built for cyclists offered by NIG. For customers with questions about other policies, you should go to the relevant product page or contact the team.
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.
Yes – any family members who permanently reside with you are covered under this policy.
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.
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 bicycles. This means in most cases we ask that you insure the bicycles 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 bike 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).
Other insurers may have differing views on how to value your items. You may have even had a different cycling insurance policy in the past.
We have a consistent valuation method. Our examples below might help you. If you’re unsure after reading you can contact support.
You must have proof of purchase for your bikes e.g. paper or electronic receipts.
| Q1 | I purchased my bike for £5,000 from a retailer in 2016 and have had no upgrades since; what’s the value? |
| A | The value is £5,000, i.e. the price you paid for it. ! Remember to include any pedals or upgrades you added at the time of purchase. |
| Q2 | I purchased my bike for £2,000 from a retailer in 2018 and then spent £1,800 upgrading the wheels and saddle in 2019; what’s the value? |
| A | The valuation is the total price paid for the bike and the extra parts, i.e. you paid £2,000, and then spent £1,800 upgrading the wheels and saddle, you should value it at £3,800. |
| Q3 | I purchased a bike worth £1,000 RRP for £600 in a sale; what’s the value? |
| A | It would be best if you insured it for the RRP at the time of purchase, i.e. £1,000. The invoice should show the discounted price. |
| Q4 | I was gifted a bike worth RRP £3,000 in 2019; what’s the value? |
| A | The value of the bike is the RRP at the time of gifting, i.e. £3,000. This also includes if you won the bike as a prize in a competition. ! Remember to keep proof of the prize or evidence it was gifted. |
| Q5 | I purchased an antique bike ridden by Eddy Merckx for £5,000 in 2012; what’s the value? |
| A | In this instance, you insure the bike for the value that an expert has calculated. You must provide photos of the bike and a copy of the valuation letter less than three years old to verify the value. |
| Q6 | I built a bike up myself from parts. I paid a total of £4,500 for the frameset, wheelset, groupset and finishing kit from various sources; I also paid £500 for a power meter, what’s the value? |
| A | It would be best to insure the bike for £5,000 plus a little extra for the labour costs. |
| Q1 | I purchased a bike from a friend for £750; what’s the value? |
| A | If you bought a bike from your friend for £750, you should insure it for £750. ! Remember to keep a copy of the receipt or transfer of ownership |
| Q2 | I bought a bike for £500 on the internet, and then purchased a brand new wheelset for £1,000; what’s the value? |
| A | You should insure it for £1,500 |
| Q3 | My Aunt gifted me a second-hand bike; what’s the value? |
| A | If your Aunt has the receipt, e.g., she paid £450 on eBay, you should insure it for £450. ! If you don’t know the price she paid, you should speak to our support team in advance to agree on a value. |
| Q4 | My brother gifted me a second-hand bike, and I’ve since spent £700 upgrading the groupset; what’s the value? |
| A | If you know the price paid for the bike, add that to the new parts’ price. ! If you’re in doubt, confirm the value with our support team. |
| Q5 | I paid £2,500 for an ex-demo / ex-display bike, but it’s worth £5,000 RRP; what’s the value? |
| A | If you paid £2,500 for an ex-display bike, you should insure it for £2,500., this also includes buying bikes sold off by race teams at the end of a season. |
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.
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.
| Standard Perils any other Claims Excess | £100, £250 or £500 |
| Accidental Damage Excess | £100, £250 or £500 |
| Personal Possessions | £100, £250 or £500 |
| Pedal Cycles | £100, £250 or £500 |
| Flood Excess if ceded to Flood Re | £250 |
| Escape of Water Excess | £450 |
| Subsidence Excess | £1,000 |
| Additional Excess for flat roof | |
| 0-25% | £250 |
| 25-50% | £500 |
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.
If your bike doesn’t exist anymore and it was stolen, we would look to replace your bike with a similar current make and model, up to the value of the bicycle when you bought it. If it was a collector’s item or an antique, you would be covered up to the value of recently conducted valuation.
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.
It depends on the level of cover you have. With our Pedal Cover product, you’re covered for most cycling disciplines, but you cannot ride in Criterium races, any road races or downhill mountain biking. With our Podium product, you’re covered in every cycling discipline. So long as you’re not a pro. Sorry, Geraint.
Our home insurance has two levels of cover, Pedal Cover our core product, and Podium which gives you that little bit extra.
Combining home and bike insurance under one policy cuts the hassle and expense of dealing with separate providers, and it can be much more cost-effective. We provide the best of a bike policy combined with the best of a home and contents policy.
View a summary of our two levels HERE to see what’s covered under each tier for contents, buildings, personal accidents, bicycles and legal expenses
Best visit the claims page HERE for all the most up to date information.
Building and Contents claims under this scheme are handled by NIG, part of the Direct Line Group.
However, at Pedal Cover we 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.
Visit the claims page HERE for all the most up to date information and contact details.
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.
| Standard Perils any other Claims Excess | £100, £250 or £500 |
| Accidental Damage Excess | £100, £250 or £500 |
| Personal Possessions | £100, £250 or £500 |
| Pedal Cycles | £100, £250 or £500 |
| Flood Excess if ceded to Flood Re | £250 |
| Escape of Water Excess | £450 |
| Subsidence Excess | £1,000 |
| Additional Excess for flat roof | |
| 0-25% | £250 |
| 25-50% | £500 |
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.
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.
Best visit the claims page HERE for all the most up to date information.
Building and Contents claims under this scheme are handled by NIG, part of the Direct Line Group.
However, at Pedal Cover we 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.
Visit the claims page HERE for all the most up to date information and contact details.
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.
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 reside with you are covered under this policy.
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.
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.
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, 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 bicycles. This means in most cases we ask that you insure the bicycles 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 bike 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).
Other insurers may have differing views on how to value your items. You may have even had a different cycling insurance policy in the past.
We have a consistent valuation method. Our examples below might help you. If you’re unsure after reading you can contact support.
You must have proof of purchase for your bikes e.g. paper or electronic receipts.
| Q1 | I purchased my bike for £5,000 from a retailer in 2016 and have had no upgrades since; what’s the value? |
| A | The value is £5,000, i.e. the price you paid for it. ! Remember to include any pedals or upgrades you added at the time of purchase. |
| Q2 | I purchased my bike for £2,000 from a retailer in 2018 and then spent £1,800 upgrading the wheels and saddle in 2019; what’s the value? |
| A | The valuation is the total price paid for the bike and the extra parts, i.e. you paid £2,000, and then spent £1,800 upgrading the wheels and saddle, you should value it at £3,800. |
| Q3 | I purchased a bike worth £1,000 RRP for £600 in a sale; what’s the value? |
| A | It would be best if you insured it for the RRP at the time of purchase, i.e. £1,000. The invoice should show the discounted price. |
| Q4 | I was gifted a bike worth RRP £3,000 in 2019; what’s the value? |
| A | The value of the bike is the RRP at the time of gifting, i.e. £3,000. This also includes if you won the bike as a prize in a competition. ! Remember to keep proof of the prize or evidence it was gifted. |
| Q5 | I purchased an antique bike ridden by Eddy Merckx for £5,000 in 2012; what’s the value? |
| A | In this instance, you insure the bike for the value that an expert has calculated. You must provide photos of the bike and a copy of the valuation letter less than three years old to verify the value. |
| Q6 | I built a bike up myself from parts. I paid a total of £4,500 for the frameset, wheelset, groupset and finishing kit from various sources; I also paid £500 for a power meter, what’s the value? |
| A | It would be best to insure the bike for £5,000 plus a little extra for the labour costs. |
| Q1 | I purchased a bike from a friend for £750; what’s the value? |
| A | If you bought a bike from your friend for £750, you should insure it for £750. ! Remember to keep a copy of the receipt or transfer of ownership |
| Q2 | I bought a bike for £500 on the internet, and then purchased a brand new wheelset for £1,000; what’s the value? |
| A | You should insure it for £1,500 |
| Q3 | My Aunt gifted me a second-hand bike; what’s the value? |
| A | If your Aunt has the receipt, e.g., she paid £450 on eBay, you should insure it for £450. ! If you don’t know the price she paid, you should speak to our support team in advance to agree on a value. |
| Q4 | My brother gifted me a second-hand bike, and I’ve since spent £700 upgrading the groupset; what’s the value? |
| A | If you know the price paid for the bike, add that to the new parts’ price. ! If you’re in doubt, confirm the value with our support team. |
| Q5 | I paid £2,500 for an ex-demo / ex-display bike, but it’s worth £5,000 RRP; what’s the value? |
| A | If you paid £2,500 for an ex-display bike, you should insure it for £2,500., this also includes buying bikes sold off by race teams at the end of a season. |
No, you only need to list valuables that you want insuring under this policy.
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.
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.
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.
| Standard Perils any other Claims Excess | £100, £250 or £500 |
| Accidental Damage Excess | £100, £250 or £500 |
| Personal Possessions | £100, £250 or £500 |
| Pedal Cycles | £100, £250 or £500 |
| Flood Excess if ceded to Flood Re | £250 |
| Escape of Water Excess | £450 |
| Subsidence Excess | £1,000 |
| Additional Excess for flat roof | |
| 0-25% | £250 |
| 25-50% | £500 |
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.
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.
If your bike doesn’t exist anymore and it was stolen, we would look to replace your bike with a similar current make and model, up to the value of the bicycle when you bought it. If it was a collector’s item or an antique, you would be covered up to the value of recently conducted valuation.
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.
It depends on the level of cover you have. With our Pedal Cover product, you’re covered for most cycling disciplines, but you cannot ride in Criterium races, any road races or downhill mountain biking. With our Podium product, you’re covered in every cycling discipline. So long as you’re not a pro. Sorry, Geraint.
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.
Providing that the damage is reported to the airline within 72 hours of discovery, We will cover the damaged box.
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.
You have an option to pay annually, by credit or debit card, or monthly on direct debit via a premium credit facility with a charge. In both circumstances, you are buying an annual contract of insurance.
If you pay monthly you are still buying a year’s insurance, we facilitate a loan with Premium Credit so you can spread the cost.
Paying by monthly instalments is more expensive than paying for your insurance in one go.
Paying monthly for home insurance is different to paying for your utilities monthly, this is not just a direct debit it is a finance agreement and you shouldn’t cancel your agreement without speaking to us first.
You may cancel your policy at any time by emailing Pedal Cover at enquiries@pedalcover.co.uk or by sending us notice in writing.
If you cancel your policy before it is due to start, we will return any premium paid in full, at no charge.
If you cancel within 14 days of your policy starting, we will return any premium paid, less our administration fee, shown in the Pedal Cover terms of business.
After 14 days an amount for the period the policy has been in force will also be charged.
We can not refund any premium if:
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.
There are several scenarios where you may need to secure your bicycle with a lock at and away from home, and you must use an approved bicycle lock for our theft cover to be valid.
It can be difficult to choose a bicycle lock. There is a huge range in quality, and the price isn’t always a great indicator of how secure a bicycle lock actually is. To solve this problem a company called Sold Secure, part of the Master Locksmith Association, test locks sold in the UK and give them a rating of Bronze, Silver or Gold. A lock’s rating is usually printed prominently on the packaging along with the Sold Secure logo. The vast majority of locks sold in the UK will have a rating, and if they don’t, it’s a very good indication you are looking at a poor-quality lock.
If your bicycle is valued at £1499 or less, any Sold Secure Silver rated bicycle lock is sufficient to secure your bike.
If your bicycle is valued at £1500 or more, you need to use a Sold Secure Gold bicycle lock when securing your bike.
If you are making a claim for a bicycle that was secured with a bike lock, our claims handlers will want to see some form of evidence for the lock you were using. We recommend finding the receipt now to make sure you have this if you need it. If you do not have a receipt for your lock, you can take a photograph of it with the keys to demonstrate that you own it. Thieves almost always take a cut lock away with them, so do not rely on finding a broken lock where you left your bicycle.
Some D-locks come with extra cables attached to them. These “accessory” cables are NOT rated by Sold Secure, and should not be used to secure your bike. If a thief can steal your bicycle by cutting this cable without cutting the Sold Secure lock, your bike would not be covered by the policy. The bicycle wasn’t locked using the Sold Secure rated lock.
For more information, visit our security blog HERE.
If you’re storing your bicycles inside your home, then security is easy. Your doors and windows must be locked for the cover to be in place, but there are no additional requirements such as locking your bikes to an immovable object.
This also applies to a temporary residence such as a holiday home or hotel room.
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.
Our home insurance will cover your bicycles in your shed or garage, but there are a few security requirements you need to follow.
The garage must be within the boundaries of your home, and be accessible to you and your family members only. A shared bike store in a block of flats wouldn’t meet this requirement for example, as other residents of the building would also have access.
The external doors need to be secured with a mortice deadlock, or a CEN grade 3 standard closed shackle padlock. These are both industry standards and are usually clearly marked on the lock’s packaging.If the locks on the doors to your shed or garage do not meet this requirement, you can lock your bicycle through the frame to an immovable object with an approved bicycle lock.
Our requirements for wooden sheds are slightly stricter. Bicycles valued under £1500 are covered so long as the shed door is secured using a lock noted above. Bicycles valued at £1500 or above must also be locked through the frame to an immovable object with an approved lock. The shed itself must not have any exposed screws which can be removed to gain access and bypass the locks.
Your bicycle is covered for theft if you leave it locked through the frame to an immovable object while away from home. This gives you protection if you are leaving a bike outside the shops, gym, or locked to your roof rack while travelling. There is a hard limit to how long you can leave your bike locked up, however.
Bicycles can be left securely unattended for a maximum of 18 hours at a time. If a bicycle is left for more than 18 hours, it is no longer covered for theft.
f you are securing your bicycle outside the shops or in a wooden shed, you will need to lock it through the frame to an immovable object with your approved lock. There are many things which could be considered “immovable objects” from railings to round anchors, so long as they meet all of the requirements laid out in the policy wording:
This could be a ground anchor installed in your shed, a “Sheffield stand” on your local high street or even set of railings. We would also consider a roof rack an “immovable object”, and we describe this explicitly in the policy wording:
Bicycles can be left securely unattended for a maximum of 18 hours at a time. If a bicycle is left for more than 18 hours, it is no longer covered for theft.
Wheels with quick-releases are not covered if a thief can simply undo the quick-release to remove them, leaving the rest of your bicycle behind. To secure your wheels, you should make sure the lock passes through the wheel, frame, and immovable object.
Some D-locks come with extra cables attached to them. These “accessory” cables are NOT rated by Sold Secure, and should not be used to secure your wheels (or bike). If a thief can steal your wheels by cutting this cable without cutting the Sold Secure lock, your wheels would not be covered by the policy.
Bicycles can be left securely unattended for a maximum of 18 hours at a time. If a bicycle is left for more than 18 hours, it is no longer covered for theft.
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.
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 cycle travel insurance to cover you for your trip.
We can offer you a quote for this and you can find out more information by visiting our cycle travel insurance page
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.
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.
If after looking through the FAQs you can’t find the answer you are looking for you can click our live chat open Mon to Fri from 9 am to 5 pm
Our in-house bicycle claims team won Claims Team of the Year 2021
We are the official insurance partner of Cycling UK
Our home insurance is backed by NIG, a subsidiary of Direct Line
Our home insurance for cyclists has two levels, our core product and Podium, which gives you that little bit extra. Use the menu below to compare the various sections of cover that we offer.
Pedal Cover | Podium | |
| Buildings Blanket Limit | up to £750,000 | up to £1,000,000 |
| Storm or flood | Covered | Covered |
| Water or oil escaping from fixed water or heating systems | Covered | Covered |
| Trace and Access | £2,500 | £5,000 |
| Theft or attempted theft | Covered | Covered |
| Fire, explosion, lightning, earthquake and smoke | Covered | Covered |
| Being hit by vehicles, aircraft, flying objects and animals | Covered | Covered |
| Subsidence or heave of the site on which your home stands, or landslip | Covered | Covered |
| Vandalism or malicious acts | Covered | Covered |
| Falling trees or branches | Covered | Covered |
| Falling TV aerials, radio aerials, satellite dishes and their fittings | Covered | Covered |
| Frost damage to water pipes and tanks | Covered | Covered |
| Riot, civil unrest, labour disputes or political disturbance | Covered | Covered |
| Weight of snow | Covered | Covered |
| Additional Cover | ||
| Service pipes and cables | Covered | Covered |
| Loss of keys | Covered | Covered |
| Emergency entry to buildings and gardens | Not Covered | Covered |
| Alternative accommodation, kennel fees and storage | £25,000 | £50,000 |
| Clearance costs | Covered | Covered |
| Professional fees | Covered | Covered |
| Government or local authority regulations and requirements | Covered | Covered |
| The time between exchange and completion when selling your home | Not Covered | Covered |
| Sets and suites | Not Covered | Covered |
| Accidental Damage | Optional | Covered |
| Property owner’s liability | £2,000,000 | £2,000,000 |
Pedal Cover |
Podium |
|
| Contents Blanket Limit | up to £75,000 | up to £100,000 |
| Maximum valuables limit | £22,500 | £30,000 |
| Valuables single item limit unspecified | £2,500 | £5,000 |
| Valuables single item limit specified | £10,000 | £15,000 |
| Storm or flood | Covered | Covered |
| Water or oil escaping from fixed water or heating systems | Covered | Covered |
| Theft or attempted theft from your home | Covered | Covered |
| Theft from outbuildings/garages | £5,000 | £10,000 |
| Fire, explosion, lightning, earthquake and smoke | Covered | Covered |
| Being hit by vehicles, aircraft, flying objects and animals | Covered | Covered |
| Subsidence or heave of the site on which your home stands, or landslip | Covered | Covered |
| Vandalism or malicious acts | Covered | Covered |
| Falling trees or branches | Covered | Covered |
| Falling TV aerials, radio aerials, satellite dishes and their fittings | Covered | Covered |
| Riot, civil unrest, labour disputes or political disturbance | Covered | Covered |
| Additional Covers | ||
| Frozen and chilled foods | Unlimited | Unlimited |
| Loss of keys | Covered | Covered |
| Moving home | Covered | Covered |
| Oil and metered water | Covered | Covered |
| Alternative accommodation, kennel fees and storage | £15,000 | £30,000 |
| Contents outside within boundaries of your home | £1,000 | £2,500 |
| Contents temporarily away from the home | Not Covered | £10,000 |
| Contents at university, college or boarding school | Not Covered | £10,000 |
| Downloaded content | Not Covered | £3,000 |
| Garden plants | Not Covered | £2,500, £500 per plant |
| Birth of a child, religious festivals & weddings / civil partnership | Not Covered | Increase by 10% |
| Title deeds | Not Covered | Covered |
| Business equipment | Not Covered | £10,000 |
| Money in the home | £500 | £750 |
| Guests belongings | Not Covered | £1,000 |
| Sets and suites | Not Covered | Covered |
| Credit Cards | £1,000 | £2,500 |
| Accidental Damage | Optional | Covered |
| Personal liability | £2,000,000 | £2,000,000 |
| Employer’s liability | £5,000,000 | £10,000,000 |
| Tenant’s liability | £10,000 | £15,000 |
We cover pedal cycles listed in your schedule. Below are the maximum limits allowable on each tier.
Pedal Cover | Podium | |
| Bicycles | ||
| Theft at and away from the home | Included | Included |
| Accidental damage | Included | Included |
| Bicycle maximum limit | £25,000 | £50,000 |
| Bicycle single limit | £10,000 | £15,000 |
| Depreciation from price paid | None | None |
| Overseas travel | Europe 30 days per trip | Worldwide 60 days per trip |
| Cycling disciplines | Excluding: Criteriums, Road Racing, Downhill Mountain Biking | All |
| Public Liability | £2,000,000 | £2,000,000 |
| Taxi Reimbursement | £100 | £200 |
| Bicycle Hire | £25 per day, up to 10 days | £35 per day, up to 10 days |
| Race Fee Withdrawal | 1 event up to £250 | 1 event up to £500 |
| Personal Accident | ||
| Loss of Limb | £5,000 | £10,000 |
| Loss of Sight | £5,000 | £10,000 |
| Death | £10,000 | £15,000 |
| Physiotherapy | up to £350 | up to £500 |
| Dental Cover | up to £350 | up to £500 |
Pedal Cover |
Podium |
|
| Accidental loss and damage unspecified | £2,500 | £5,000 |
| Accidental loss and damage Specified | As per schedule | As per schedule |
| Maximum single item limit specified | £10,000 | £15,000 |
| Theft from unattended locked vehicles | £500 | £1,000 |
| Items in a bank or safe deposit box | Covered | Covered |
| Theft or accidental loss of money away from the home | £500 | £1,000 |
| Cover for items abroad | Europe 60 days a year | Worldwide 60 days a year |
| Sets and suites | Not Covered | Covered |
| Repair Guarantee | 12 months | 12 months |
Pedal Cover |
Podium |
|
| Family Legal Protection | £50,000 | £50,000 |
| Employment Disputes | Covered | Covered |
| Contract Disputes (including sale of property) | Covered | Covered |
| Property Protection | Covered | Covered |
| Tax protection | Covered | Covered |
| Personal Injury | Covered | Covered |
| Legal Defence | Covered | Covered |
| Jury service and court attendance | Covered | Covered |
| Clinical Negligence | Covered | Covered |
| Identity Theft Legal Expenses | Covered | Covered |
Mon to Fri from 9 am to 5 pm
The Old Mill, Ewenny, CF35 5BN
0800 121 4424
