Cycle Insurance Jargon Buster

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

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.


An option that provides cover for cyclists that participate in road racing, timed trials and other bicycle related competitive activities. This option also includes race fee cover and can include Public liability cover whilst competing if the correct cover is selected.

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 Cycleguard 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

Our approved lock list has been created to make sure that the best level of defence is being provided against cycling theft. In order for your bike to be covered and for any claims to be successful you must make sure that the lock that you are using is inline with our approved lock list. You can use a lock from a higher category but not lower.


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. The area of cover also extends to your family and public liability extensions if taken.


Any cycle, including tricycle and tandem, trailer cycle or push scooter, powered by human pedaling and/or battery which is not subject to the requirements of the Road Traffic Act including any fixed Accessories which are specified on Your Insurance Schedule.

Bicycle roadside recovery (Cycleguard Rescue)

This is an option that you can take out to provide you with support should you be unable to continue a bicycle journey. This could be due to cycle theft, damage or vandalism or the breakdown of your bicycle through mechanical or electrical failure.

The cover will ensure that you are transported to a suitable cycle repair shop, railway station, car rental agency or your home or overnight accommodation.

This option will provide support anywhere within the UK for 12 months.

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.


This is the amount of money that you contribute towards the cost of a claim and depends on the claim type. The standard excess is £25 unless otherwise stated within the relevant sections of the policy wording. In respect of any claim for Theft from the Insured Location defined under 1.19e communal hallways, 1.19f communal outbuildings, 1.19g privately accessed wooden sheds and 1.19h privately accessed gardens the following Excess will apply:

  • A £50 Excess for Bicycles valued up to £500
  • For Bicycles with a value of £501 and above an Excess of £100 minimum or 20% of the Value whichever is the higher shall be payable by You.
  • The first £500 of each and every claim arising from damage to third party property where an additional premium has been paid for Roadcare.


Parents, spouse, partner, siblings or children over 16 years of age and living at your insured location.

Family liability

An option that covers specified members of your family for public liability and personal accident provided they are aged 16 years and over.

Family members

An option available with Cycleguard that allows other members of your family to have occasional use of your bicycle. The cover is for theft and accidental 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.

Period of insurance

The length of time for which you are covered, all Cycleguard policies run for a period of 12 months even when being paid by monthly direct debit.

Personal accident

if you have an accident whilst using your bicycle, this provides cover up to £10,000 for death & permanent total disablement and £5,000 for loss of limb or eye.

Policy Summary

This is a brief outline of the terms and conditions including any significant exclusions or conditions of an insurance policy. The document 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.


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.

Product Information

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


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!

Public liability

This Cycleguard option for cyclists aged over 16 protects you against third party claims for injury or damage to other persons property - so, for example, in the event that you accidentally ride into a person and cause injury or damage – that person could claim against you for compensation. You can choose from 3 levels of cover available - £1, £2 or £5 million. The area of public liability cover is the same as the level of bicycle cover you choose.

The public liability option also includes personal accident cover, which pays you an amount of money should you suffer an injury whilst using your bicycle.

Public liability is also known as third party liability.

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.

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.

Third-party liability

This is the same as public liability.

Urban and Leisure

This is the standard Cycleguard 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).

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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