Make a Claim

Find out how you can make a claim

Our claims process

If you've suffered damage to or theft of your bike, we know how distressing it can be. That's why we'll do everything possible to deal with your claim promptly and get you back out cycling again. Our easy-to-use claims process is listed below with some helpful information regarding what to do if you need to make a claim.

If you're making a claim

Here are a few bits of helpful advice to bear in mind before making a claim, and what to do once you've made a claim:

  • In the event of any theft or malicious damage, your first port of call should be the police. Failure to notify them of the incident could result in your claim being delayed or rejected.
  • Do not negotiate, pay or settle, admit or deny any claim without our, or your insurer's, written permission.
  • Please note that any repairs or replacement of items without prior authorisation from our claims team may prejudice your claim.
  • All claims will need to include documents to support the claim and/or circumstances. This can be sent by return of email or post.
  • All claims will be assessed within 5 working days of receipt, where hopefully a decision can be made at the time of the assessment. Should any further info be required then we will make you aware so this can be provided to assist with our assessment.

How to make a claim

If you do need to make a claim, then you can speak to a member of our friendly, UK-based claims team using the number below:

Phone: 0333 004 1999

Guardcover Claims: Opening Hours Update

The Guardcover Claims Department phone lines will be open Monday to Friday: 9am - 5pm

Claims can still be reported via your online portal 24/7, or you can contact the team at:

Cycle Rescue

Cycle Rescue

If you’ve broken down and find yourself in need of roadside assistance, please use the contact details below.

Call Assist (the rescue providers) will ask for your personal or policy details. They will then despatch a rescue operator to your location and recover you and your bike to the nearest bicycle repair shop, railway station, car rental agency or your home or alternative overnight accommodation if either are nearer. You just need to make sure that you're on an accessible road, so that you and your bike can be picked up.

Don't worry if you haven't got your policy details to hand, they can usually locate your cover details from your personal details, but if not, they will take a credit card number as a deposit and will refund you once your policy has been located. 

Phone: 01206 771 767