Claims, handled by cyclists

Built around real bikes, real riding, and real-world outcomes.

When something goes wrong, you don’t want to deal with generic call centres or lose time setting the context of your cycling or travel.

At Pedal Cover, cycle claims are handled by cycling specialists — including former bike mechanics and industry experts — who understand bikes, components, and real-world replacement values.

Travel claims are handled by specialist travel claims teams, trained to understand cycling activities, the circumstances in which incidents occur, and the practical issues cyclists can face when travelling.

Whatever the situation, we’ll guide you to the right team and get things moving quickly.

We’ll first ask which type of policy you hold.
Claims Multi Tool

Start your claim

Select the type of policy you hold below. We’ll take you directly to the right claims team.

What happens once you start your claim

  1. Log in and select the right claim type
  2. Your claim is routed to the appropriate specialist team
  3. We’ll confirm next steps and any information needed
  4. Decisions are made by the appropriate specialist team based on the circumstances of your claim.

We combine covers for both your home and bikes under one fantastic policy; however, we think it is vital that bicycle claims are dealt with by people who know about bikes.

Please log in to your dashboard and select “start a claim”

If you have a bike-only insurance policy, please log in to your dashboard and select “start a claim”.

You will be able to claim for any cover on your policy, including damage, theft and race fee cover.

In the event of any medical emergency or hospital treatment abroad, call the Healix’s 24-hour emergency number on:
+44 (0) 208 608 4227
For all non-emergency claims, please log in to your dashboard and select “start a claim”.

Protected by the Peloton

Claims decisions built around cycling expertise — not generic insurance assumptions.

Because we only insure cyclists, cycle claims are assessed by people who understand bikes, components, and real-world replacement values — not generic household contents assumptions.

This leads to clearer decisions, fewer disputes, and faster outcomes when something goes wrong.

Where possible, we prioritise repair over replacement and work directly with specialist suppliers to reduce delays and get riders back on the road sooner.

For travel claims, we work with specialist partners while remaining your point of support throughout.

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