Specialist Bicycle Theft & Damage Insurance
Comprehensive insurance cover for theft and damage of bicycles. Instant cover in the UK and overseas.
Specialist Bicycle Theft & Damage Insurance
We’ve partnered with Cloud Cover to offer specialist bicycle insurance to give you comprehensive cover for theft and damage.
We can give you instant cover for almost any risk that can affect you or your bike when you cycle in the UK. We can also cover you when you cycle overseas.
Insurance Cover for New, Second-Hand and Custom Bikes
Our policies are available for brand new bikes, for second-hand bikes, and for custom bikes. We’ll even cover you if you bought your bike through a cycle to work scheme.
What’s Included in Our Specialist Bicycle Insurance?
Our bicycle insurance policies include, as standard, up to £6,000 theft and damage cover for bicycles. Our policies cover both accidental damage and malicious damage to your bike.
If your bike is under three years old, we can also provide a new for old replacement in the event of theft or damage.
Optional Extras
Our bicycle insurance standards can also include the following as optional extras:
- Worldwide cover – so you can still get cover for theft or accidental damage if you take your bike overseas.
- Accessories cover – choose from £300, £600, or £900 cover for your bicycle accessories.
- Replacement cycle hire cover – we can pay up to £1,000 towards the hire of a replacement cycle.
- Cycle rescue cover – UK roadside recovery for any incidents that occur more than a mile from your home.
- Personal accident cover – a fixed lump sum of up to £25,000 in the event of an injury or death occurring while you cycle.
- Legal expenses cover.
- Public liability cover – to pay any compensation or other expenses should you ever accidentally injure someone else, or damage someone’s property, while cycling.
What Isn’t Covered by Bicycle Insurance?
Our bicycle insurance policies only provide cover for personal or recreational cycling. We will cover you for damage and theft if you use your cycle to commute. But we cannot cover you for business use – such as for work as a courier.
Nor can we cover you for competitive cycling, or for professional racing.
Finally, while we do offer cycle recovery for UK cycling, we cannot provide roadside assistance for worldwide cycling.
Do I Need Bicycle Insurance?
Whether cycling is your hobby, your passion, or your main means of travel, then it’s absolutely worth getting insurance cover for your bike.
Accidents can happen, and bike repairs can be very expensive. Also, all cyclists are at risk of bike theft. Bicycles will always be a prime target for thieves, and criminals don’t just target rare or expensive bikes.
There’s a thriving online marketplace for certain bicycle parts, including brakes and sprockets. Opportunistic thieves may target any bike, regardless of its value, on the chance that they might be able to salvage some parts to sell.
You could get cover for your bike as part of your home insurance. But this won’t cover you for all of the risks you might face while cycling, such as personal injury and damage to third party people or property. Home insurance also won’t give you any cover for cycling overseas.
So if you’re serious about cycling, only specialist bicycle insurance will give you all the cover you need.
Need more
information?
If you’d like to find out more about bicyle insurance, please call Claire Farmer on 0208 290 9086 who can give you the help you need and get you a quote. Alternatively, email us at personal@anthonyjones.com
Thoroughly professional, knowledgeable and friendly service from Claire Farmer in particular, arranging excellent value cover for our campervan and electric vehicles.
David Cowan
FAQ’s
Some of our most asked questions, answered below:
When might I need High Net Worth insurance rather than a standard Home insurance policy?
If you have personal assets (excluding the value of your home) over £100,000, it’s likely that a High Net Worth insurance product would give you better protection than a standard Home insurance policy. This is particularly true if you have a number of high value items in your home, such as a jewellery or watch collection, antiques or a classic car.
HNW insurance tends to have higher sum insured limits overall as well as higher limits for individual items of particular value.
Can I cancel my temporary car insurance?
You can cancel your policy at any time but due to the short nature of this policy there will be no refund of premium. For learner policies of less than one month an administrative charge of no less than £25 will apply.
Policies with a duration of more than one month can be cancelled and a refund will be given less a charge for the days cover has been provided. A minimum administration charge of £25 will also apply.
What type of driver's licence do I need for temporary car insurance?
To take out temporary car insurance you will need a full UK licence or EU/EEA licence. For Learner Driver insurance you will need a UK provisional licence.
Can I buy temporary car insurance to export a vehicle outside of the UK?
No. Under the cover that the insurer provides, all journeys must begin and end in the UK.
Can I buy temporary car insurance to retrieve an impounded vehicle?
No. Our insurance cannot be used on vehicles that have been seized, impounded, or taken by the police.
How much does one day car insurance cost?
The price of one day car insurance varies depending on a number of factors. These include the value of the car, where you keep it, and what you do for a job.
Can I get temporary car insurance to cover me for my practical driving test?
Yes, subject to meeting the assumptions and eligibility criteria for the insurer.
Can I get temporary car insurance to cover my SORN vehicle?
As long as your vehicle is in a roadworthy condition, and you either have tax or will tax the vehicle with our insurance certificate, you can insure your vehicle for this purpose. The vehicle must have a current MOT or you must have a pre-booked MOT appointment to attend whilst insured with us for the insurance to be valid.
Can I take out temporary car insurance to insure a car that doesn't belong to me?
Yes - you can insure a car that doesn't belong to you. But you must have the owner's permission to use the vehicle before purchasing a policy.
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