About the bike insurance cover


If I were to go shopping, leave my bike secured with an approved lock to a lamp post and it were then to be stolen from the high street, would I be insured?

When you are away from your home and need to leave your bike unattended, we will cover you against theft providing your bike has been locked through the frame to an immovable object with an approved lock (a lock from our locklist). The bike cannot be left in a location other than the insured location for more than 12 hours at any one time or at a train station or your place of employment for more than 24 hours at any one time.

I'm buying a bike through a Cycle to Work scheme – will this affect my bike insurance premium?

No, neither your premium nor coverage will be affected.

Does your insurance policy cover my bike whilst transported in a plane?

If you have selected the foreign travel option & added this to your policy, you are covered from the point that the airline takes receipt of the bike. You must keep the receipt from the airline when checking your bike in. The bike must be in a Hard or Rigid cased luggage Bike Box. For the avoidance of doubt, fabric bike bags are not classed as a bike box. 
We will reimburse you up to £500 in any one period of insurance, if your bike fails to arrive at a destination outside the United Kingdom due to a delay by an airline, lose or damage to your bike and your bike box (or any bike box you hire).

Is my bicycle covered whilst locked outside where I work?

The bike cannot be left in a location other than the insured location for more than 12 hours at any one time or at a train station or your place of employment for more than 24 hours at any one time.

I live in France but cycle regularly in the UK. Can you offer me bike insurance cover?

We can only offer you bike insurance cover providing you are resident in the UK, Channel Islands or Isle of Man.

I have previously made a claim after having my Bike damaged, will this affect my bike insurance cover?

We do not offer cover renewal if you have had two claims in a year or one over £500 in the last year. Please contact us either by phone or email in the event that you have had a previous claim/s and we will try to help..

My bike isn't brand new - is it still worth insuring?

Yes. We replace on a new for old basis with a minimum bike value of £400, so as long as the replacement value of your bike is over £400 it can be insured with PedalSure

I work as cycle courier. Do you insure professional cyclists?

Unfortunately no we don’t, the cover under this policy is not for any use in connection with a profession, business or occupation (other than commuting).

From What age Can I be insured?

We can cover persons from 16+. It is a requirement that the Parent takes out the policy then emails the D.O.B and full name of their son or daughter to cservice@pedalsure.com

How much should I insure my bike for?

For bikes that can be readily replaced with a new one (or similar model) from the shops, the value should be the undiscounted replacement cost including VAT from a reputable dealer at the time you apply. End of season offers and bargains from Ebay do NOT count as the usual price. If your bike is modified the declared value should include the value of any additional purchased parts such as wheels, groupsets or pedals which are essential to the operation of the bike. Accessories such as lights, computers and paniers are not essential to the operation of the bike and if cover is required for these they can be included within the optional ‘Accessories and Personal Effects’ limit.

If you built your bike yourself, the insured value should be the total value of the individual parts that make up your bike – you should not include any value for the time you spent building up the bike.

It’s important that you retain proof of purchase for any after-market parts (as well as for the bike itself) as these will be required to prove ownership in the event of a claim.

What is the maximum value Bike you insure?

Any bike(s) (up to a maximum of five) with an individual value of £15,000 or aggregate value over £30,000 unless we have agreed to provide cover and have reflected this in an endorsement to your Policy Schedule.

Can I insure my collection of Bikes on one insurance policy?

You must understand that the cover purchased is for the insured policyholder only, and that any bicycles covered are those owned and ridden by the named policyholder, where the 50% discount will apply. We can cover up to a maximum of 5 bikes with a total aggregate value of £30,000. If you, your partner or any other family members have a bicycle each, you will need separate policies.

Is there an excess on this bike insurance policy?

This depends on the type of insurance claim. There is no excess for claims under Sections 1 (Personal Accident), 2 (Personal Liability) or 3 (Legal Expenses). In respect of any claim under Section 4 (Theft and Accidental Damage) the following excess will apply for any claims involving loss or damage to your bike:
  Bike Value - £0.00 - £750 - excess £125
  Bike Value - £750.01 - £1,500 - excess £175
  Bike Value - £1,500.01 - £2,500.00 - excess £250
  Bike Value - £2,500.01 - £5,000.00 - excess £350
  Bike Value - £5,000.01 - £15,000.00 - excess £450

We may arrange for any bike, cycling related personal possessions or accessories which have been lost or damaged to be repaired or replaced by a specialist dealer of our choice who will invoice us directly for the repairs or replacement.

What are your Approved Locks?

A lock appropriate to the value of the bike which is:
  1. specified in the Master Locksmiths Association ‘Sold Secure’ list of cycle locks
  2. a Thatcham approved motorcycle lock
  3. any other specified lock accepted by us in writing
Bikes valued at £1,000 or under require a Silver or Gold rated Sold Secure lock or a Thatcham approved motorcycle lock. 
Bikes valued at more than £1,000 require a Gold rated Sold Secure lock or a Thatcham approved motorcycle lock. The easiest way to search for an approved product is by approval category on the Sold Secure Website. You can find a list of approval categories with links to products approved in their respective areas http://www.soldsecure.com/search-by-approval-category/ 

If you have any doubt which lock is required then please e-mail locks@pedalsure.com

Do I need any specific security on the vehicle where the insured bike is stored?

Theft whilst the bike is in or on a vehicle will only be covered in circumstances where:
  1. All doors, windows and other openings of the vehicle are left closed, securely locked and properly fastened; and
  2. Access to or removal of the bike must have been obtained by forcible and violent entry or exitand
  3. Any security devices installed in the vehicle are in operation; and
  4. The bike is stored out of sight, or is secured through the frame by an approved lock to the roof or bicycle rack attached to the vehicle
Please note only one bike (not multi bikes) is covered whilst in a vehicle; car/Caravan or van

Do I need to comply with any specific security requirements whilst my insured bicycle is at my home?

Yes, you do. Full details are contained in the Policy Wording under, “Security Requirements” but a summary is set out below: Theft of your bike whilst at the insured location will only be covered if the bike is:
  1. Kept inside a house, self-contained flat, or self-contained lockable room in private halls in which you live. Any security devices must be operating correctly and access to the bike must be obtained by forcible and violent entry or exit; or
  2. Kept inside a privately accessed garage, outbuilding or shed within the boundaries of the private house in which you live. Access to the bike must be obtained by forcible and violent entry or exit and you must have complied with the following security requirements:
    1. all external doors must be secured by a minimum of a 5-lever mortice deadlock to BS3621 standard or a Sold Secure Gold rated lock or CEN Rated Padlock, and
    2. the bike is secured through the frame by an approved lock to an immovable object within the building; or.
  3. Kept in a communal hallway within the building in which you live, or in a communal outbuilding within the boundaries of the property in which you live. Access to the bike must be obtained by forcible and violent entry or exit and the bike must be secured through the frame by an approved lock to an immovable object within the hallway or communal building.

Am I covered if I lend, loan or hire my insured bicycle to another person?

Unfortunately we are unable to provide bicycle insurance cover whilst the bike is hired or loaned by you to any other person including a family member.

Does the insurance cover me to take my bicycle abroad?

As standard your bike will be covered within the United Kingdom, Channel Islands and Isle of Man. If you wish to take your bike abroad we are happy to cover this providing you have paid the appropriate additional premium and the cover is shown on your schedule. Please note that we are unable to provide Public Liability cover for any claims arising from the use of your bike in the USA or Canada.

Can I add or make changes to the bike insurance policy at any time?

Yes, you can make amendments to your policy during the period of insurance by emailing cservice@pedalsure.com. Any changes that are made to the policy during the period of insurance may be subject to an increase in your premium. We will always confirm you are happy to proceed before making changes to your premium. Some changes to policies will incur an administration charge.

What is personal liability cover?

Personal liability is known by a couple of different names – public liability or third party liability. It provides cover against damage to persons or property caused by your proven negligence. Pedalsure offer you the choice of up to £2 million of liability cover.

I am only looking for personal liability cover when I am cycling – can you help?

You can append Personal Liability to Theft/Accidental Damage Policy or select bronze for the most basic level of Personal Cover when cycling.

Do you cover motorcycles, or scooters?

No we only cover Bikes. Our definition of a bicycle includes: tricycle and tandem, trailer cycle or push scooter, powered by human pedalling and/or battery which is not subject to the requirements of the Road Traffic Act and is specified in your schedule.

About proof of ownership


I recently bought my bike from eBay, I don't have a receipt for it – can I still insure it?

Yes we can, although you should make sure that the value you insure it for sufficiently covers a new bicycle of the same style, quality and functionality. This is because we replace bicycles on a new for old basis – if you put a lower value in, you may have to make up the difference to get a bicycle of similar functionality. As you don’t have a receipt, we’d advise that you have a picture taken of you with the bike and upload that to our website along with the serial Number. You will also need to keep a copy of the receipt showing the date, price paid, details of the bike and the name and address of the seller, or other evidence which clearly demonstrates ownership and proof of purchase.

I don't have receipts for all of my bike parts and accessories, what can I do to prove ownership for bike insurance?

It's particularly important for bike insurance you have proof of ownership of any major cycle parts and lock. Proof of this could be packaging, manuals or photos of all of the relevant parts, clearly showing the make (and model if applicable) of that item. Alternatively bank or credit card statements can be provided and in some occasions, retailers may be able to provide copy receipts for larger purchases.

About the policy (activities)


Will PedalSure bike insurance cover me if I take part in charity cycle events like the London to Brighton ride?

Yes – you are covered to take part in charity bike rides such as the London to Brighton and Prudential Ride London 100.

Will PedalSure bike insurance cover me if I take part in triathlon events?

Yes, as long as you take out the option for competition you will be covered for Triathlons and Duathlons. This will cover the bike element of the race and the transition phase. If you also take out personal cover with PedalSure (Silver or Gold) and have competition cover on your policy, the personal cover will also be extended to the swim and run phase of the triathlon, where the triathlon is a recognised event.

About the bike insurance policy options (area cover)


I'm going on a single bicycle touring trip around Europe which will last four months. Your online quote states 60 days maximum per year, is it possible to cover me?

As standard you are covered within the United Kingdom, Channel Islands and Isle of Man. If you wish to take your bike abroad we are happy to cover this for up to 60 days each year providing you have paid the appropriate additional premium and the cover is shown on your schedule. Please note that we are unable to provide Public Liability cover for any claims arising from the use of your bike in the USA or Canada.

If your trip last longer than 60 days then regrettable we cannot provide cover.

I only want bike insurance cover for my 2 week annual cycling trip abroad, can I buy a short term policy?

Unfortunately not. If you are only looking for short term cover whilst abroad we would recommend you look at specific Sports Travel Insurance products as they will also cover medical and repatriation expenses if you have an accident abroad, as well as the cost of any damaged sports equipment such as your bike.

Insuring bikes, parts and accessories


I built my bike myself - can I still be covered by PedalSure bike insurance?? The frame, drive train and components were all bought from separate stores, with various parts being older than 3 years. Do I need proof of purchase for all components? And can I include an amount in the insured value for the time I spent constructing the bike?

When insuring custom built bikes we ask that you insure them for the full retail cost as new to replace with the same or similar frame and components as you currently have. Unfortunately you cannot include the time it would take to build up your bike again. In the event of a claim you do need to provide us with proof of ownership for your bike and lock, so as your bike does consist of various components we would require receipts, packaging, instruction manuals, or photographs for your bike and the components attached, in order to be able to replace the bike with the same or similar.

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.

PedalSure insurance would cover the cost of any wheels fitted to the bike at the time it is damaged or stolen. We would suggest including the value of the most expensive set of wheels in the Replacement Value of the bike that you declare to us when you take out the policy. Please note that in the event of a claim, you will need to provide proof of ownership of the items that you are claiming for. Ideally this means the receipt, but can include packaging or photos of the items attached to the bicycle.

Do We Insure Electric Bikes?

We insure all types of bikes including Electric Bikes. Please note that the bike has to be under 25 cc or less than 250 watts. We regret that we cannot insure electric bikes if you reside in Northern Ireland.

Hi, I want to insure my bike but don't have a frame number. Can I still insure it with PedalSure?

The frame number can usually be found on one of the following locations: under the bottom bracket; horizontal to the frame from the bottom bracket to the strut rear suspension; on the diagonal brace from the seat tube to the rear suspension or on the connector beneath the seat tube. If it’s a carbon frame, the frame number could be on a sticker. If your bike does not have a frame number, you can either have your post code etched into the frame (which can be done at your local police station or cycle retailer) or put a Datatag inside the frame and provide us with the Datatag number. 

I have recently purchased a child trailer costing £500 does PedalSure bike insurance you cover such items?

When you take out your bike insurance policy you are given the option to add cover for bike accessories and personal possessions that are lost or damaged at the same time as your bike. Child trailers fall under the definition of fixed accessories. You cannot insure the child trailer as a separate item. This option also provides covers lights and panniers as well as clothing and personal possessions such as phones lost or damaged at the same time as your bike.

About locks and security for Pedalsure bike insurance


I have a lock which isn't included in your approved lock list for bike insurance – what should I do?

Pedalsure insurance approved lock list has been created to make sure that the best level of defence is being provided against theft of your bike. In order for any claim for theft of your bike to be successful you must make sure that the lock that you are using either appears on our approved lock list or has been approved by us prior to use. If your lock does not appear on this list, you can e-mail your lock details locks@pedalsure.com and we may be able to offer cover.

Hi, as part of your security requirements it says the insured bicycle must be locked to an immovable object inside the house - is this correct?

It depends on the insured location where you keep your bicycle. If your bike is kept at a house, flat or a room in a communal residence, the bicycle must be kept inside and any domestic security devices (door locks, house alarms etc) put into use. The bike does not need to be locked to an immovable object, if the Bicycle is stored in a private garage or privately accessed wooden shed. Either all external doors must be secured by a minimum of a 5-lever mortice deadlock to BS3621 standard, a 5-lever padlock or CEN Rated Padlock or the Bicycle must be locked to an immovable object.

Also the bike cannot always be kept indoors, and at times it will be parked in town and at the university/hospital bike racks for a number of hours, what is the insurance policy on this?

We recognise that insured bicycles can’t always be kept indoors. If you need to leave your bicycle at work, university, hospital or a shop, you need to ensure that it is locked to an immovable object using one of our approved locks (see our lock list for details). The bike cannot be left in a location other than the insured location for more than 12 hours at any one time or at a train station or your place of employment for more than 24 hours at any one time.

Does the PedalSure bike insurance policy cover bicycles stored outside overnight, if locked to an immovable object using an approved lock? For instance - a rear garden or a campsite with cycle storage.

That depends. At your primary residence, you can keep your bike stored in an outbuilding or shed within the boundaries of the private house in which you live as long as the following are in place:
  1. all external doors must be secured by a minimum of a 5-lever mortice deadlock to BS3621 standard or a Sold Secure Gold rated lock or a CEN Rated Padlock
  2. the bike is secured through the frame by an approved lock to an immovable object within the building.
If you take your bike away with you on holiday, the bike can be left outside overnight as long as you are able to secure it through the frame to an immovable object with an approved lock for no longer than 12 hours. In either event, in order to be covered the theft must be by forcible and violent means.

WHO DO WE COVER

  • Electric Bikes
  • Mountain Bikes
  • Amateur Racing
  • Commuter Cyclists
  • Club Cyclists
  • Triathletes

WHAT DO WE OFFER

  • PedalSure includes Sportive as standard
  • 30/60 days Overseas Use which inc Air-Transit
  • We cover your Bike and Accessories in Transition
  • Option for Personal Cover up to £50k
  • Include up to 5 Bikes
  • 50% Multi-Bike Discount

What our Claimants Say?