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Product Features

Cycleguard insurance offers different levels of cover to suit the widest variety of cyclists. Our flexible cover allows you to choose the options that match your needs - for example, if you don't need racing or competition cover... why pay for it?

The information displayed is for guidance only and no contract or contract term is implied - only the policy wording can be taken as a binding contract.

For more information on what is or is not covered under the policy, please read the Policy Information section where you will find Cycleguard summary of cover document or the policy wording.

Cycleguard insurance is suitable for:

  • Cyclists that use their bicycle for leisure activities
  • Cyclists that commute to work
  • Cyclists that race or are involved in other competitive cycle sports
  • Mountain and off road riders
  • Electric bike riders
  • Road Riders
  • And many more, we aim to cover every type of cyclist.

Cycleguard provides:

  • Cover against theft and accidental damage up to £12,500, higher limits are available upon referral.
  • Replacement on a new for old basis for bicycles up to 3 years old (older cycles are subject to depreciation)
  • Agreed Value Cover for modified bikes, depreciation is not deducted from any claims settlements (Available via the call centre only)
  • Bicycle hire- until items are replaced or repaired (subject to an approved claim)
  • Choice of area covered: 
  • UK only
  • EU for 90 days (45 day maximum trip)
  • Worldwide for 90 days (45 day maximum trip)

Optional extensions:

  • Roadcare - Public liability and personal accident cover
  • Cycleguard Rescue - Bicycle roadside recovery option
  • Family members option
  • Active Cover - Racing or competition use
  • Cycling Accessories Pack - cover for theft and accidental damage to cycle accessories

What is not covered

We are committed to providing you with clarity on the cover you are looking to purchase and aim to tell you the key exclusions of this policy before you buy.

Exclusions relating to theft of your bicycle when stored in its usual storage location:

  • Theft at home or the insured location if the bike is left outside.
  • Theft at home or the insured location unless there is forcible and violent entry
  • Theft in a communal bike store, communal hallway or privately accessed garden unless the bike is locked to an immovable object with an approved lock

Exclusions relating to theft of your bicycle when you go out on it:

  • Theft if the bike is left without being locked to an immovable object  
  • Theft when the lock you have used is not an approved lock
  • Theft of your bike if it is left unattended anywhere for any more than 18 hours

Exclusions relating to Accidental Damage of your bicycle

  • Any cosmetic damage which does not impair the function or performance of the bike
  • Whilst in transit by any carrier unless it is securely packaged
  • Accidental damage when loaned or hired out to any other person
  • Any mechanical or electrical failure
  • Faulty or defective design
  • When using the bike for racing or competition unless you have purchased active cover
  • Using the bike for hire and reward

Excess

  • £25 excess on each and every claim
  • For bikes stored in wooden or metal sheds, communal hallways, privately accessed gardens or communal outbuildings, an excess of the first £100 or 20% whichever is the greater will be applied. Unless the bike is valued at £500 or below where a £50 excess only will be applied.
  • Public liability claims are subject to a £500 excess for third party property damage only.

Depreciation

If your bike is less than 3 years old you will receive a new replacement for your bike. Thereafter your bike will be subject to an adjustment for depreciation (unless otherwise stated in an endorsment) due to wear and tear which means the settlement will be reduced dependent upon the age of the bike up to a maximum of 50% when the bike is over 10 years old.

Depreciation will not apply to any fixed accessories that are under three years old where evidence of ownership can be provided at the time of the claim.


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