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Home and bike insurance all under one roof

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.

Home insurance for cyclists

Podium finishing reviews

Home insurance for cyclists

Stop balancing policies. Start using Pedal Cover.

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.

Our cover at a glance

Cycling insurance

•  Theft away from home
•  Crash damage
•  Personal Expenses
•  Legal expenses

 •  Race cover
 •  Public liability
 •  Multi bicycle cover
 •  Theft from a vehicle

+

Buildings and contents cover

 •  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

The best home insurance for cyclists

Home insurance for cyclists

From

£15

a month

Home contents and bicycle cover

If you already have buildings insurance, we can just look after your prized possessions. This includes up to £50,000 worth of bicycles.

Home insurance for cyclists

From

£20

a month

Buildings, home contents and bicycle cover

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.

There’s no such thing as too many bikes

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.

Pedal perks

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.

Welcome to our bundled home
and bike insurance FAQ section

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.

We are in the process of building functionality to add and remove bicycles online via the customer portal. In the meantime, as a temporary solution, we have a web form that allows you to tell us about bikes you wish to add or remove. Our team will process the change for you and confirm any changes in cost. Before you complete the form, you can check your entire schedule of bikes on your latest proposal confirmation (sent via email), or you can log in online HERE and see a summary. Please click the button below if you’d like to add or remove bikes from your NIG home insurance.

Add/Remove bike form

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.

 

A few valuation scenarios when buying a bike from new

Q1I 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.

Q2I 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?
AThe 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.
Q3I purchased a bike worth £1,000 RRP for £600 in a sale; what’s the value?
AIt 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.
Q4I was gifted a bike worth RRP £3,000 in 2019; what’s the value?
AThe 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.
Q5I purchased an antique bike ridden by Eddy Merckx for £5,000 in 2012; what’s the value?
AIn 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.
Q6I 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?
AIt would be best to insure the bike for £5,000 plus a little extra for the labour costs. 

 

A few valuation scenarios when buying a USED bike

Q1I 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

Q2I bought a bike for £500 on the internet, and then purchased a brand new wheelset for £1,000; what’s the value?
AYou should insure it for £1,500
Q3My 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.

Q4My 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.

Q5I paid £2,500 for an ex-demo / ex-display bike, but it’s worth £5,000 RRP; what’s the value?
AIf 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 and 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. We will also cover your bike box if it is damaged by airline, providing that the damage is reported to the airline within 72 hours of discovery.

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.

 

A few valuation scenarios when buying a bike from new

Q1I 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.

Q2I 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?
AThe 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.
Q3I purchased a bike worth £1,000 RRP for £600 in a sale; what’s the value?
AIt 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.
Q4I was gifted a bike worth RRP £3,000 in 2019; what’s the value?
AThe 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.
Q5I purchased an antique bike ridden by Eddy Merckx for £5,000 in 2012; what’s the value?
AIn 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.
Q6I 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?
AIt would be best to insure the bike for £5,000 plus a little extra for the labour costs. 

 

A few valuation scenarios when buying a USED bike

Q1I 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

Q2I bought a bike for £500 on the internet, and then purchased a brand new wheelset for £1,000; what’s the value?
AYou should insure it for £1,500
Q3My 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.

Q4My 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.

Q5I paid £2,500 for an ex-demo / ex-display bike, but it’s worth £5,000 RRP; what’s the value?
AIf 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.

 

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:

  • you have made a claim during the period of insurance
  • a claim has been made against you during the period of insurance.

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.

Sold secure bicycle lock rating logos

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.

deadbolt

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.deadboltIf 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.exposed-hinges

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:

  1. An object which cannot be undone or removed unless using extreme force (i.e. requiring the use of power tools or other machinery, not simple hand tools such as a spanner). 
  2. An object from which a pedal cycle cannot be lifted, either over or under, without having broken the approved lock. 

how-to-lock-your-bike

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:

  • A properly fixed motor vehicle pedal cycle rack which is locked to the vehicle which cannot be undone or removed unless using extreme force (i.e. requiring the use of power tools or other machinery, not simple hand tools such as a box cutter). 
  • A pedal cycle rack supplied expressly for the purpose of securing pedal cycles which cannot be undone or removed unless using extreme force (i.e. requiring the use of power tools or other machinery, not simple hand tools such as a spanner), including those found at rail stations, city centres and places of work.  

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. 

how-to-lock-your-bike

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.

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. 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

Other polices we offer

Cycle insurance (only)

Travel insurance for cycling

High value home insurance

Our awards and recognition

Claims Excellence 2021

Our in-house bicycle claims team won Claims Team of the Year 2021

We Are Cycling UK

We are the official insurance partner of Cycling UK

NIG are our Insurer

Our home insurance is backed by NIG, a subsidiary of Direct Line

Stories from the Pedal Cover blog...

Our full summary
of covers

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 homeIncludedIncluded
Accidental damageIncludedIncluded
Bicycle maximum limit£25,000£50,000
Bicycle single limit£10,000£15,000
Depreciation from price paidNoneNone
Overseas travelEurope 30 days per tripWorldwide 60 days per trip
Cycling disciplinesExcluding: Criteriums, Road Racing, Downhill Mountain BikingAll
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 Withdrawal1 event up to £2501 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
 Physiotherapyup to £350up to £500
Dental Coverup to £350up to £500
We cover possessions at and away from the home up to the unspecified limit. If you have items above the unspecified limit (depending on the tier) you must tell us about them and they need to be listed on your schedule to be covered.

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
This cover provides all our customers with a 24/7 advice line and legal costs of up to £50,000 to pursue claims for things like personal injury or disputes with neighbours.

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

Whatever your discipline we've got you covered...

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Contact us

Mon to Fri from 9 am to 5 pm
The Old Mill, Ewenny, CF35 5BN
0800 121 4424