Ride.Smart.
It’s our mantra and something we aim to help all cyclists do.
Below are a collection of frequently asked questions, hopefully the
answer you’re after is there.
If not, just click on the help button, enter a question in the search
field or drop us a line.
What does your cycling insurance cover?
How much does your cycling insurance cost?
Who underwrites your cycling insurance?
What ages do you provide insurance for?
Am I covered if I bought my bike through a Cycle to Work scheme?
When will my cycling insurance policy start?
What is an excess in cycling insurance?
How much is the excess with Pedalsure?
I live outside of the UK - can Pedalsure cover me?
I have previously made a claim - will this affect my cycling insurance cover?
My bike isn't brand new - can I insure it with Pedalsure?
What does ‘new for old’ mean?
Do you cover cycle couriers and business use of bicycles?
How much should I insure my bike for?
What is underinsurance?
What is the maximum value bike you insure
Can I insure my collection of bikes on one insurance policy?
Am I covered if I lend, loan or hire my insured bicycle to another person?
Can I insure my family on my policy with Pedalsure?
What is personal liability cover?
I am only looking for personal liability cover when I am cycling can you help?
Do you provide cover against personal injury?
Am I covered for riding other people’s bikes?
Do you cover motorcycles, or scooters?
How do I cancel my policy?
How do I make changes to my cover?
Can I change the way I pay for my policy?
Can I change the payment date of my premium?
How does my policy renew?
How do I cancel my renewal?
Why has my renewal price increased from last year?
Do I need to use a specific type of lock with a Pedalsure insurance policy?
Do I need to comply with any specific security requirements while my insured bicycle is at my home?
Can I leave my bike in the garden?
Can I leave my bike in a shed or garage at home?
How should I secure my bike while it is away from my home?
Can I leave my bike outside overnight?
Is my bicycle covered at my place of work?
Can I leave my bike in a car or other vehicle?
Am I covered if I ride my bike abroad?
I am going on a 4-month bicycle trip abroad - can you cover me?
I only want bike insurance cover for my 2-week annual cycling trip abroad, can I buy a short term policy?
Does your insurance policy cover my bike while transported in a plane?
Does cycling insurance cover racing?
Will your insurance cover me if I take part in charity cycle events like the London to Brighton charity ride?
Will Pedalsure insurance cover me if I take part in triathlon events?
Do you cover electric bikes?
Do you cover cargo bikes?
Do I need to prove ownership of all bikes and equipment covered under my policy?
Can I insure a bike that was gifted to me?
I built my bike myself - can I still be covered by Pedalsure?
What does your accessories option cover?
I have a racing bike with several sets of racing wheels which I also need to insure. Should I include the cost of them in my bike value?
I have recently purchased a child trailer costing £500 - does Pedalsure bike insurance cover such items?
How do I make a claim?
How long does a cycling insurance claim take?
Will you repair my bike or replace it if it’s damaged?
Will my premium go up if I make a claim?