Cycling and Bicycle Insurance

What's covered

Whatever type of cycling you love or bicycle you have, you can tailor Cycleplan's flexible cover to suit your needs. And if you’ve got more than one bicycle, no matter what type, you can cover them all under one, single multi-bike policy.

Cycleplan covers both pedal and electric bikes, including:

• Road
• Mountain
• BMX
• Commuter
• Folding
• Hybrid
• Electric
• Electric scooters

What's not covered

Unfortunately, Cycleplan can’t cover everything. Make sure you’re comfortable with what’s not covered, including:

• Theft where you’ve not secured your bicycle as per the minimum security requirements
• Any claim where you can’t provide evidence of ownership for your bike and/or accessories
• Using the bicycle for business reasons, like working as a courier or carrying paying passengers (this doesn’t apply to commuting to or from work)
• Competitive use (unless you've chosen the Competitive Use optional add-on)
• Using your bike outside of the UK (unless you've chosen the European or Worldwide optional add-on)

See the policy wording for a full list of what’s not covered.

Optional add-ons

Once you’ve selected one or both of the main cover options, you can choose from the following optional extras to create cover tailored to your needs.

• Theft, Loss and Accidental Damage to accessories up to £1,000 – For any temporary or fitted accessories, such as helmets, locks or lights, that are stolen, accidentally damaged or vandalised. Only available with main bicycle insurance
• Personal Accident up to £50,000 – For death or permanent disability, if you have an accident or fall off and seriously injure yourself. It also provides financial compensation if you break certain bones or need emergency dental work, hospitalisation or physio
• Loss of Earnings up to £750 – Financial help if you’re hurt while cycling and unable to work. Only available with Personal Accident cover ^{Footnote [2]}
• Legal Expenses up to £50,000 – Cover the legal costs of pursuing a civil claim if you’re injured in a road accident involving the insured bicycle or need to recover uninsured losses. Also covers professional fees for pursuing a local authority for damage to your bike caused by a pothole on a public highway
• Replacement Cycle Hire up to £1,000 – Hire a replacement bicycle after making a claim on your insured bike while waiting for it to be repaired or replaced
• Europe or Worldwide – Take your bike, and your cover, abroad
• Competitive Use – Extend your normal cover when taking part in a competition

If you need to make a claim, please get in touch with Cycleplan's trusted claims handlers Davies Group on 0333 400 7387^.

Or email newclaim.cycleplan@davies-group.com

For theft or malicious damage claims, tell the police as soon as possible about the loss or damage and ask for a crime reference number.

So that your claim can be processed quickly, you’ll need:

• Your policy number
  
• The date the incident took place
• Evidence of ownership
• Photographs of the bike
• Crime reference number (if applicable)
• Any damaged items or locks