Cover Details

Personal Accident

We will pay the amount shown below if, at any time whilst you are using the bicycle, you are involved in an accident which solely and independently of any other cause, leads to bodily injury which results in your death, loss of limb, loss of sight or permanent disablement.  Cover is up to £10,000.

Public Liability

We’ll pay up to £1 million against any third party claims made against you if you injure someone or damage their property whilst cycling. 

Worldwide Cover

Whether you’re planning an adventure along the Coast of Southern Europe or a trip through the mountains and villages of South America, you’ll be in good hands with us.

You’ll be covered for up to 60 days per year anywhere in the world. During that time abroad your cover will be as usual.

New for Old Replacement

Provided your bike is under two years old from the time of manufacture, we’ll replace it with a brand new bicycle if it gets stolen or damaged beyond repair.

Theft Cover

If your bike is stolen, we will offer you a replacement bicycle as new.  If the bicycle cannot be replaced with a new and identical bicycle to the one that was insured, we will replace it with one of comparable specifications or the equivalent value of the original bicycle (minus depreciation if applicable)

Accidental Damage

If your bike or any of its insured parts and accessories is damaged, we’ll pay the costs.

Mechanical Breakdown

If you find your bike has a defect in the parts or workmanship from the manufacturer and is out of warranty, we’ll get it sorted.




Legal Expenses Cover

If you have a cycling accident giving rise to a claim, our legal team is on hand 24 hours a day, 365 days a year to offer specialist advice and, where appropriate, take over the claim on your behalf. Cover is up to £100,000.

ID Theft Cover

If you’ve been the victim of Identity Theft, we’ve got specialists on hand to help you through the legal proceedings associated with getting yourself back. Cover is up to £25,000.