About our cover
This section gives a brief overview of our Cycleguard cover. It outlines the Product Features, along with information about certain aspects of our cover like Public Liability, security requirements and our roadside recover policy, Cycleguard Rescue.
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?
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:
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.
There are many reasons to trust Cycleguard - We have flexible cover options with the option to create the cover you want. We also cover more than £10 million of bicycles for over 18,000 cyclists. Our simple to use site makes it easy.
We cover more than £10 million of bicycles for thousands of cyclists. Tailor your cover to suit your individual cycle insurance needs.
If you decide that for any reason, this policy does not meet your insurance needs then please confirm in writing to 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.
In addition you may cancel between 15 and 28 days and you will receive a refund of your premium less an administration fee of 20% of the premium, subject to a minimum of £5 and a maximum of £25, and a time on risk charge apportioned as a percentage of the premium.
Thereafter you may cancel the insurance cover at any time however no refund of premium will be payable.
Thousands of cyclists already trust us to insure their cycles - Cycleguard has over £10 million worth of bikes on cover! Names like Marin, Whyte, Willier, Norco, Mezzo and Saracen trust us too - Cycleguard is the only insurance provider they promote to their customers as well as over 600 cycle shops across the country who refer their customers to Cycleguard on a daily basis!
We've created the Cycleguard website to take all of the guesswork out of buying bicycle insurance. Our instant quote system guides you through the buying process - from a basic quote, to adding in the options that you need and then on to completing your online application.
The site is also totally secure and monitored daily by HackSafe to ensure our site conforms to strict standards.
You need to know that in the event of a claim, that your claim will be handled quickly and without any undue hassle. 92% of customers who experienced a claim rated our service as excellent or good and 86% would recommend us to others.
The cheapest way to pay is to make a single annual payment in advance. The easiest way to pay is by spreading the cost over 12 monthly instalments.
This is a one-off payment in advance, which will be taken by card or debit card through our secure server when you have completed your application.
This enables you to spread the annual cost and pay monthly by Direct Debit. This facility is provided by a simple finance agreement with Thistle Insurance Services Limited.
The single annual premium cost is increased to include interest and divided by 12 to calculate the monthly payments.
With all insurance policies there are terms and conditions that must be followed. If these conditions are not met, it is possible that any claim you make may be rejected. The links on this page provide a very brief outline of our security terms and conditions for full details of these please see Policy Wording.
When it is impossible to comply with the Thatcham requirements above, evidence of a factory fitted alarm or immobiliser and evidence of its existence must be provided.
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.
Please view the lock list to understand the type of lock your cycle will require.
Public liability is also known as third party liability and protects you against third party claims for injury or damage to property. For example, If you were to accidentally ride into someone or something and cause injury or damage, that person could look to claim compensation from you.
Cycleguard offer a choice of £1, £2 and £5 million public liability cover.
If you only require liability insurance when using your bike, then click to get a quote from Cycleguard Roadcare.
If you were to personally suffer injury whilst using your bicycle Cycleguard provides cover up to £10,000 for death and permanent total disablement or £5,000 for loss of limb or eye. This is included as standard if you choose to take the public liability option with your Cycleguard bicycle insurance.
Cycleguard Rescue is an emergency roadside recovery service for cyclists. It is a unique rescue service brought to you by Cycleguard with the recovery service provided by Call Assist, one of the UK's biggest rescue specialists.
If you became unable to complete a journey in the UK due to a cycling accident, vandalism or irreparable breakdown of your bike, Call Assist will take you and your bicycle to a bicycle repair shop, railway station, car rental agency or your home or alternative overnight accommodation if either are nearer.
It's worth noting that any roadside breakdown must have occurred at least a quarter of a mile away from your home to be eligible to use your Cycleguard Rescue cover.
Cycleguard Rescue costs just £18 per bicycle for 12 months of cover or £13 if you are adding Rescue to a Cycleguard policy which will cover your bike against theft and accidental damage.
Unfortunately the policy will only cover one specified bike. If you have more than one bike, you'll need separate cover for each one.
I was delighted with the service and help I got today from Cycleguard. I needed to make a claim and was talked through the process. Tom was a pleasure to talk to and extremely helpful.
Victoria Smith - Coventry 2015
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