0345 450 6751
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Mon to Fri 9.00am to 6.00pm

Frequently asked questions (FAQs)

We have split the FAQ's into 5 sections - please click on the relevant link to see those questions.

About the cover
About the company
About the site
Problems opening or receiving documents
About your payment plan

About the cover
  • 1) Do you only cover UK residents?
    • Yes. You must have been a resident of the United Kingdom for a minimum of 12 months at the time of policy inception. You must have a permanent residential address in the UK and have not been travelling abroad continuously for more than 12 months.
  • 6) What value should I insure my bicycle for?
    • For items that can be readily replaced with a new one (or with a similar model), the value should be the usual, undiscounted cost including VAT from a reputable dealer at the time you apply. End of season offers and bargains from Ebay do NOT count as the usual price.

      It is better to over insure rather than under insure.
  • 7) What is the maximum value you insure?
    • We can provide cover for individual bicycles and fixed accessories up to a maximum value of 12,500 on any one policy. You can insure up to 3 bicycles on one policy providing the total value does not exceed 12,500.

      If you have a bicycle over that value, we may be able to cover you, please call on 0345 450 6751 for an individual quote.
  • 8) Do you cover more than one bicycle on a policy?
    • Yes, provided they are all owned and mainly used by the same person. You will receive a 10% discount if you insure 2 bicycles with us or 15% discount for 3 bicycles on the same policy.

      The bicycle values must not exceed a combined total of 12,500 including any fixed accessories.

      If you, your partner or any family members have a bicycle each, you will need to have separate policies.

      If other members of your family, club, group or association need occasional use of your bicycle, select the other riders option which extends theft and accidental damage cover whilst they use your bicycle.
  • 9) Is there an excess on this policy?
    • There is a £25 excess on each and every claim except for stored in wooden sheds, communal hallways, communal outbuildings or privately accessed gardens when the excess will be £100 or 20% of the bike value; whichever is the greater.
  • 13) Am I covered to take my bicycle abroad?
    • This depends on the options you choose with British Cycling Bike Insurance. Our standard cover allows you to use your bicycle anywhere in the UK (England, Scotland, Wales and Northern Ireland).
      If you need cover outside of the UK, you can choose to extend this cover to:

      Anywhere in EU (30 days per trip) with a maximum of 90 days in any year
      Anywhere in the world (up to 45 days in any policy year).

If you can't find an answer to the question you're looking for, submit your question and email address and we'll endeavour to get back to you as soon as possible with the answer. (Monday to Friday, 9am to 6pm only)
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