Before you start

Do you have everything you need?

  • Your Cycling Insurance policy number and documents.
  • Details of what happened, and supporting evidence like images of the damage to your bicycle, damage reports, witness statements, etc.
  • Details of any other vehicles, people or property involved.
  • Contact details of any witnesses.
  • Crime reference number, if applicable.

Do you know what you’re covered for?

Check our current policy booklet if you don’t have yours to hand.

Ready to claim?

Start your claim online

It’s often faster than calling us. Just complete this form to tell us what happened and what you’re claiming for.

Start online claim

Need more help?

You can search our site or ask a question to our virtual assistant.

Contact Us

If you’d rather talk to us, just give us a call. We can help you choose the right kind of cover.

Call us

Our 24-hour commitment

We don’t want you to be out of action for any longer than necessary, which is why we aim to resolve your claim within one working day of receiving all required information. Give us a call or start your claim online, and we’ll get you back on your bike as soon as possible.

Making a claim – how does it work?

If we accept a claim for a bicycle or cycling accessory covered under this policy we will, at our discretion:

  • Repair it
  • Replace it, or
  • Pay you the amount that it would have cost us to repair or replace it.

If we choose to repair or replace your bicycle or cycling accessory, our liability will be limited to the cost required to repair or replace it as near as possible to its appearance and condition immediately prior to the claimed loss or damage, less any applicable excess.

The most we will pay for any repair or cash settlement will be the lesser of the following, minus any applicable excess:

  • Our replacement cost, or
  • Your sum insured

In the event of a partial loss of a bicycle or cycling accessory, we will pay the lesser of the following, minus any applicable excess:

  • Our purchase cost for an item of equivalent age, standard and condition, or
  • Your sum insured

You may have to contribute towards the cost of repairing or replacing tyres, chains, clusters, chainrings, bearings, seals, shock absorbers, forks or other items that have been affected by wear and tear or rust and corrosion.

The amount you are required to contribute will be determined by the amount of wear and tear or rust and corrosion that is evident at the time of a claim.

Preferred repairer

In the event of a claim where we choose to repair your bicycle, we will advise you of our preferred repairer. Please note we reserve the right in all instances to have repairs undertaken at a repairer of our choice.

Replacement parts

If any part of your bicycle requiring repair or replacement is not available in the UK at the time of your claim, the most we will pay in relation to any such part will be the lesser of the manufacturer’s most recent UK price list or the list price of the closest equivalent part available in the UK.

If your bicycle is a total loss

If we’ve paid out on a total loss claim, your bike and other claimed parts or accessories become our property, so we’ll keep the proceeds of any salvage sold.

We’ll switch cover to your replacement bike for the remainder of your policy term, so your renewal date stays the same. If the value of your new bike and/or replacement parts is higher than the value of your original insured items, you’ll be asked to pay an additional premium.

If your bicycle is a partial loss

If you have a partial loss claim on your bicycle or custom parts or accessories, the claimed item/s will become our property and we will keep the proceeds of any salvage sold. Your policy remains active during and after the claim being processed and your premium obligations remain unchanged.

Things you need to know

Ongoing claims will be covered up to the policy limit on your current policy.

You must never, without our consent:

  • Approve any repairs or arrange replacements
  • Dispose of any damaged property

These actions may result in us reducing or denying your claim.


Your cycling insurance excess is a flat rate of £50, which is applicable on a per claim basis.

What we need from you:

  • Proof of ownership and value regarding any claimed loss or damage of your bicycle or custom part or accessory.
  • Proof, in the event of a theft or an attempted theft claim, that you complied with the policy’s security conditions. Proof includes, but is not limited to, providing us with:

    • confirmation of the lock’s make and model, and/or
    • the lock’s key or the remains of the lock, and/or
    • evidence of forcible and violent entry or removal of the bicycle
  • Help us manage your claim by providing us with appropriate supporting evidence or written statements under oath, where necessary. We may also need to ask you questions and inspect your bicycle.
  • Make your damaged bicycle or custom part or accessory available for inspection by us or another representative nominated by us.
  • Keep the bicycle or custom part or accessory that has been damaged and allow us to inspect it or assess repair costs.
  • Allow us to take possession of damaged property that is the subject of a claim and retain that property if your claim or any part thereof is settled on a total loss basis.
  • Help us as we work to exercise, for our benefit, your legal right of recovery against any other party.
  • Tell us about any other insurance that may be relevant to the claim.
  • Answer all questions honestly and completely. Provide us with any information a reasonable person under the circumstances would expect us to want to know. We may refuse payment of your claim and/or cancel your policy if you or any person who is acting with your express or implied consent, misrepresents, deliberately omits, avoids providing or falsifies any information provided to us in relation to a claim.
  • We may reduce or deny your claim in the event that you fail to meet or comply with the above claim requirements.

Frequently asked questions

The cycling claims team aims to resolve your claim within one working day, once they’ve received all the relevant information.
There is a flat rate of £50 excess on each claim you make. So, if you need to get your bike repaired, pay the excess when you make your claim and the claims team will pay the bike shop directly.
Making a claim online is easy. First, complete all the relevant information and submit your claim. Once submitted, you will be contacted within 24 hours. Arrangements will then be made for any repairs to be made, or a suitable replacement of your bike.
The claims team will keep you up to date and provide the information needed for your claim, which typically takes around 10 days.
Sorry, no claim discount (NCD) is not offered on our cycling insurance.
When you’re ready to make a claim, you will need the following information to hand:
  • Your policy number
  • A brief description of the incident: what happened, when, where and how
  • Police Crime Reference (if necessary)
  • Any additional evidence for example photos, medical reports, invoices etc.
You can suggest a preferred bike shop, but the insurer reserves the right to make the final choice in which bike shop carries out the work.
If your claim is declined, you will always be provided with the reason(s) this decision was reached, so that you can understand the claims process. Please get in touch if you have any questions regarding your claim or the decision. If you aren’t satisfied with the outcome, you are welcome to make a complaint.
No. General wear and tear on a bike isn’t accidental and therefore won’t be covered. The wear and tear that isn’t covered includes a drivetrain wearing, chain stretching, tire issues, and brake pad replacement.
Yes, without this information, your claim can’t be processed and paid. You should always provide proof of ownership when you take out your policy.
If you bought your bicycle new, within the last 30 days, all you need to do is send in a copy of the purchase receipt.
If your bike is older, you’ll need to take a high-resolution photo (using your smart phone or digital camera) of each side of your bicycle. In each image, you must display a sheet of paper that clearly displays your policy number (be careful not to hide any part of your bike with the paper).
You also need to provide a clear image of your bicycle’s serial number. This can usually be found on the underside of the bottom bracket so you may need to turn your bike upside down to get a good picture. Other common serial number locations include the headset and rear stays.

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