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Terms & ConditionsCYCLEGUARD INSURANCE - CUSTOMER FAQ’S
What is cycleGuard insurance?
At cycleGuard we have over 20 years’ experience protecting cyclists and triathletes across the UK. Our specialist cycle insurance includes cover for theft, accidental damage, vandalism, fire and flood damage as standard, whether inside the home or away from the home – no matter what time of bike you ride. We’re rated as ‘Excellent’ by our customers on Trustpilot for high levels of service, and our specialist cycle insurance cover enables you to enjoy the ride, whilst protecting what matters most to you.
How do I take out a cycleGuard insurance policy?
Taking out a cycleGuard quote is simple. Just follow this link and the discount will be automatically applied.
How much does cycleGuard insurance cost?
It really depends on several different factors, which is why we have made it quick and easy for you to get an initial quote and choose the type of cover that best suits what you ride and the way you ride. With interest free monthly payments also available, we are confident that you can find the cover that suits your budget.
How do I claim my cycleGuard discount?
Claiming your cycleGaurd discount is easy – simply follow this link and the discount will be automatically applied as part of your quote. If you’d prefer to get a quote over the phone, then call our specialist cycle team on 0333 004 3444 and quote EVANSCYCLE / EVANSCYCLESNEW.
My bike isn’t brand new, is it worth me insuring it?
Absolutely. Our cover is specifically designed to provide cover for bike owners, old and new, which is why all our cycle customers receive ‘genuine’ new for old cover. Unlike some other cycle insurance providers, we don’t reduce the bike value when you make a claim for bikes aged over 3 years, we provide new for old replacement on all bikes regardless of their age.
Can I insure any bike or does it have to be new?
Yes, you can cover any type of bicycle, regardless of age, safe in the knowledge that we provide new for old replacement on bikes of all ages.
How do I value my bicycle for a cycleguard insurance policy?
The value should be the current, new undiscounted cost including VAT from a reputable dealer at the time you apply. End of season offers, and bargains do not count as the usual price.
Do I have to be a certain age to be able to get cycleGuard insurance cover?
The minimum age for the main policyholder is 18. Public Liability and Personal Accident cover (if you have chosen to include this on your policy) will only apply to anyone aged 16 or over at the time of any incident, and total permanent disablement cover is only available for anyone aged 65 or under.
Why do I need proof of bike ownership for a cycleGuard insurance policy?
It’s not uncommon for insurance providers to require proof of ownership when you make a claim and it’s important as it helps to speed up the claims handling process so we can get you back out riding as soon as possible.
What proof of ownership do you accept for a cycleGuard insurance policy?
It’s important that you have proof of ownership of any major bike parts and locks. Proof of this could be packaging, manuals or photos of all the relevant parts, clearly showing the make (and model if applicable) of that item. In addition, bank or credit card statements can be provided and, on some occasions, retailers may be able to provide duplicate receipts for larger purchases.
How old do I have to be to take out a cycleGuard insurance policy?
The minimum age for the main policyholder of a cycleGuard policyholder is 18 years of age.
Do I need to use a specific bike lock to be covered with cycleGuard insurance?
It is a condition of cycleGuard insurance that you use an approved lock appropriate with the value of the bike. You can find our approved lock list which details our requirements here.
I have previously claimed for a stolen bike, will the cost of my cycleGuard insurance increase?
You ned to tell cycleGuard about any cycle related losses or claims you have had within the last three years, whether insured or not. It is important that you make an honest disclosure of any previous claims or losses, as this could invalidate your cover.
Does cycleGuard cover protect me when I am racing or taking part in an event?
Your cycleGuard cover can be extended to cover you for amateur races and includes cover up to £750 in race fees and £500 in associated travel costs if you’re injured and can’t make the start-line.
Can I insure my cycling clothing or bike accessories e.g. helmet, bike computer on a cycleguard policy?
It’s easy to cover your cycling accessories with us. We can cover up to £2,500 of your cycling equipment. Includes light sets, clothing, shoes and more. Mobiles and smartphones excluded.
I purchased my bicycle through the Ride to Work scheme, can I still a cycleGuard insurance policy?
Yes, every year we insure customers who have taken advantage of the Ride to Work scheme to either to take up cycling again or get themselves a new model.
How do I go about cancelling my bicycle insurance policy?
If you decide that for any reason the policy does not meet your insurance needs, then please tell us within 14 days of issue. On the condition that no claims have been made or are pending, we will then refund your premium in full. If you cancel the policy prior to the renewal date, you will receive a pro rata return of premium, less a £10 cancellation fee, provided that no claim has been made or is pending during the current period of insurance. To cancel, contact cycleGuard on 0333 004 3444.
How do I make changes to my cycleGuard policy?
You can make changes to your policy by simply logging into your online account here, or by calling our specialist cycleGuard team on 0333 004 3444. You can add or delete insured items and change some aspects of your policy. Note that additions will incur additional costs. Additional premiums are charged on a pro rata basis from the data of change. Any cover options that you choose can only be added or removed when you first buy the policy or at renewal.
How many bikes can I insure on one cycleGuard policy?
You can insure up to a maximum of 10 bikes per household under one policy.
Do you cover electric bikes on cycleGuard insurance?
Yes, we can cover e-bikes that meet the following requirements.
An electric bike, or an e-bike, is an ‘electrically assisted pedal cycle’ (or EAPC). An e-bike has a motor – usually either in the bottom bracket between the cranks or within the rear wheel hub – which is used to assist the rider when needed.
In order to be classed as an electric bike, an e-bike cannot be subject to the UK Road Traffic Act requirements. We can cover e-bikes that meet the following specification:
Any electrically-assisted pedal cycle (EAPC) that must still be powered by human pedalling and is only being assisted by electrically-motored power.
Does not require any key or ignition switch.
Has a motor with a maximum continuous rated power of 250W.
Has a motor with a cut-off, when unassisted at 3.7mph.
Has a motor with a cut-off, when assisting whilst being pedalled at 15.5mph.
We are unable to cover any form of speed pedelec, speed e-bike, e-scooter, e-moped or e-motorbike. We can only cover an EAPC / e-bike if it is being ridden by someone aged 14 or over.
I live outside of the UK, can I still take out a cycleGuard policy?
Unfortunately, at this moment in time, cycleGuard insurance is only available for UK residents, permanently domiciled in the United Kingdom.
Does cycleGuard bike insurance cover me when I am abroad?
Yes, your policy will cover you for 30 days in the EU as standard, with the option to extend to annual worldwide cover (maximum 60 days per trip). Please note that the Cycle Rescue cover, Claims Bike Hire and Public Liability cover option only applies to the United Kingdom. Public Liability cover is excluded from North America.
What are the different types of cyleGuard bike insurance cover available?
Our bike insurance includes cover for theft and accidental damage, as well as vandalism, fire and flood damage as standard whether inside the home or away from your home. Alongside this, you can add optional Global Travel and £5million Public Liability cover. Find out more here.
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