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Please note: the explanation of terms below is intended for guidance only; for contractual definitions, refer to the policy wordings.

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Accessories Cover - an option that provides cover for the following cycling specific accessories against theft and accidental damage: helmets, hats or caps, shoes, overshoes, jerseys or vests, base layers, gilets, gloves, glasses & goggles, jackets, shorts, bib shorts, bibs, biblongs, tights, trousers, socks, wetsuits used exclusively for Triathlons, warmers, compression clothing, backpacks, water bottles and cages, hydration packs, cameras specifically designed for cycling and securely mounted to a helmet, frame or handlebars; cycling computer; cycling GPS unit, lights, cycle luggage, panniers, saddle bag, cycling tools, cycling armour & guards.

Annual payment - a one-off payment in advance to cover a year’s insurance. This is the cheapest way of obtaining cover.

Annual policy - all British Cycling Bike Insurance policies, even when paid by direct debit, are annual policies and cover you for a full 12 months unless cancelled by either party under our standard cancellation terms.

Approved lock - a lock from the appropriate category of the approved locklist supplied by us. Any other lock which is not on the list would need our written approval.

Approved locklist - a list of locks tested by Sold Secure (a division of the Master Locksmiths Association), which form the basis of our bicycle security requirements. You must use a lock from the relevant category that applies to your bicycle – you can use a lock from a higher category but not lower.

Click to go to our approved locklist.

Area - you can choose to be insured for locations outside of the UK. If you require worldwide cover, you will automatically receive the EU cover also.

Bicycle - any bicycle, tricycle, tandem, trailer cycle or push scooter that is powered by human pedalling and/or battery. The bicycle must not be subject to the requirements of the Road Traffic Act.

Business use - this allows you to use your bike for business purposes BUT excludes hire, reward, courier services or using your bike for the carriage of paying passengers.

Commencement date - the date that the policy starts.

Electric bike - a bicycle which is powered both by human pedalling and/or a battery, any electric bike you wish to insure must not be subject to the requirements of the Road Traffic Act.

Evidence of ownership - to pay out for an insurance claim, we need to be certain that you were/are the owner of the insured items. Evidence can be shown by, for example, an original receipt clearly showing the item and date of purchase. Alternative evidence can include a bank or credit card statement, photographs, a copy receipt from the retailer, packaging or literature.

Excess - this is the amount of money that you contribute towards the cost of a claim.

  • For policies incepted on or after 2nd January 2013 there is a £25 excess on each and every claim
  • For policies incepted before 2nd January 2013 no claim will be paid under £100 however we will consider the full cost of any claim over this figure
  • The first £100 or 20% whichever is the greater for bikes stored in wooden sheds, communal hallways or communal outbuildings
  • Public liability claims are subject to a £500 excess for third party property damage only

Forcible and violent entry - entry to a property that clearly shows damage to the lock, building, room or vehicle, caused as a direct result of theft.

Immovable object - this can be:

  • A solid object that is not capable of being undone, removed with or lifted under or over the bicycle
  • A properly fixed roof rack or bike rack
  • At train stations a bike rack supplied by the train station specifically for the purpose of securing bikes and within the jurisdiction of the transport police.

Insured location - this is a single, specified place where you keep your bicycle overnight, typically your home or student accommodation.

Minimum claim - for policies incepted before 2nd January 2013 no claim will be paid under £100 however we will consider the full cost of any claim over this figure.

Other riders - means any other member of your family, club, group or association aged over 12 years.

Period of insurance - the length of time for which you are covered, all British Cycling Bike Insurance policies run for a period of 12 months even when being paid by monthly direct debit.

Policy summary - this is a brief outline of the terms and conditions including any significant exclusions or conditions of an insurance policy. The summary is not a substitute for reading the full policy wording.

Policy wording - this sets out in full the terms and conditions of your insurance cover. It is essential that you read the wording and comply with any terms and conditions it sets out. We have made it as straightforward as possible to read and understand.

Much of the information provided on this site is for guidance – only the relevant policy wording can be taken as a binding contract.

Premium - the amount you pay (either a single amount in advance or by credit agreement with Thistle Insurance Services Limited) to provide annual insurance cover for your bicycle.

Professional cyclists - when we refer to professional cyclists we mean cyclists where their full time occupation is cycling and they derive all of their income through sponsorship, endorsement and prize winnings.

If you sole occupation is cycling but you are lottery or government funded - you do not fall under our definition of a professional cyclist (and therefore you can take out British Cycling bike insurance).

Property - when we refer to property we don’t only mean buildings but also personal items, such as a laptop, a table or car… basically anything!

Racing - this provides cover for cyclists that participate in road racing, timed trials and other bicycle related competitive activities. Sorry, professional cyclists are not eligible for this option.

Replacement value - this is the price an item would normally cost new in a store including VAT rather than a specially discounted or sale price or ebay bargain!

Serial number - the unique code that identifies your bicycle, also referred to as a frame number.

It is essential that we have the serial number for all bicycles, if your bicycle does not have a serial number you must use an identification system with a unique number or a transponder/tag installation with a registration number.

The serial or frame number is usually located on the underside of the bottom bracket (the large circular section that your crankset sits in).

Sum insured - this is the total value of your bicycle and any fixed accessories.

Terms of business - the basis on which you do business with us. Click for more information.

Urban and Leisure - this is the standard British Cycling Bike Insurance policy which provides cover for general cycling - including commuting and business use. You are also able to participate in road based time trials but not mass starts (select the Active option if you need cover for mass starts or other competitive bicycle related activities).

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