Cycle Insurance from Eversure

Tailored insurance for your Cycling needs

Bespoke cover for Cyclists

Whether you cycle to work or just for fun, we offer great value bicycle cover that ensures you can ride without a worry! If you’re looking for comprehensive Bicycle insurance, here at Eversure we offer specialist cycle insurance. You build your own quote by just selecting the cover you want. Simply click ‘Get a quote’ and complete our quick and easy to use quote form and the quotes will appear online.

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Essential Cover
Theft

Bike theft is the most common cause for a claim, therefore we include theft as standard. So long as you meet the security requirements, you’ll find comfort in the knowledge that you’re covered should the worst happen.

Accidental Damage

Our policies give you peace of mind that accidental damage is included as standard, so if you have a collision or a fall and the bike is damaged, it will be repaired or replaced

New for old

If you purchased the bike brand new, if its damaged or stolen and needs replacing, it will be replaced with a brand-new bike of a similar value and specification, we can cover bikes up to the individual value of £15,000. Second-hand bikes will be covered on a market value basis, this means this value should consider the depreciation due to age and condition

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Why choose Eversure?
Premiums from as little as £24.90
133,000 customers trust us
Insured in just a few minutes
Bicycle types
Road, Mountain, Hybrid, BMX, Folding, Commute/City, Cyclo-Cross and Electric

*This includes electric cycles that have powered assistance to a maximum of 25 km/h (15.5 mph) using a motor of no more than 250 Watts rated output.

Bicycle usage: Leisure, Commuting or Competitive?

Our policy will cover leisure use as standard, you can also include Commuting if you are cycling to work or Competitive use if you are participating in triathlons or other competitive events, including competitive use will also cover the cycle whilst its in a transition area and the reimbursement of entrance fees up to a maximum total of £500 in any 12 month period as a result of you being unable to attend an organised event because of illness, injury, or unforeseen cancelation of the event.

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What does Cycle Insurance cover?

Our cycle insurance policy insures you if your bike is stolen or damaged. You can then add any of the following benefits.

  • Multi-bike discount

    Do you have more than one bike?

    If you insure more than one bicycle on your policy, you will receive a discount. We don’t have a limit on the number of bikes you can have on your policy.

  • Theft from a vehicle

    Taking your bike away with you?

    Whilst kept on/in a vehicle, the vehicle must be locked and fitted with an alarm and immobilizer. If the bike is on a roof or cycle rack the cycle must be secured through the frame by an approved lock and if kept in a vehicle it must be out of sight if possible.

  • Accessories

    Want to include cover for all your kit?

    Cycling accessories means cycle locks, cycling specific helmets, hats or caps, shoes, overshoes, jerseys or vests, base layers, gilets, gloves, glasses & goggles, jackets, shorts, bib shorts, bibs, bib-longs, tights, trousers, socks, warmers, compression clothing, backpacks, water bottles and cages, hydration packs, cameras specifically designed for cycling and mounted to a helmet, frame or handlebars; cycling computer; cycling GPS unit, lights, cycle luggage, panniers, saddle bag, cycling tools, cycling armour & guards.

  • Replacement Bike Hire

    Need an alternative bike if something happens to yours?

    Select the amount required to cover costs towards the hire of an alternative cycle, within the United Kingdom, from a recognised reputable cycle dealer whilst you are awaiting repair or replacement of your cycle when it is the subject of an approved claim.

  • Public liability

    Insurance if you cause injury or property damage whilst cycling

    Public Liability Insurance will cover the costs if you are alleged to have injured another person or damaged their property whilst cycling. You can choose either £1m, £2m or £5m.

  • Free Family cover (included)

    Do you have a family of cyclists?

    Your cover will extend to your Family members, meaning your parents, spouse, partner, children or siblings (aged 12 years or over), permanently residing with you at your home address. *Personal accident cover will only apply to your family that are over 16 and under 70 years old and Public liability if they are over 16 and under 85 years old.

  • Personal Accident Cover

    Cover if you suffer a serious injury

    Choose a benefit amount of either £10k or £25k to be paid in the event of you or any member of your family suffering death, loss of limb, loss of sight or permanent total disablement whilst using the cycle.

  • Free Worldwide cover (included)

    Taking your bike to the continent?

    We have included 90 days worldwide cover for free (maximum trip length: 31 days).

  • Excess

    How much do you have to contribute when making a claim?

    If you need to make a claim you will have to pay the excess, this amount depends on the bike value, see grid below.

    Bike value Excess
    Up to £500 £25
    Up to £1000 £50
    Up to £2000 £75
    Over £2000 £100

  • Legal expenses

    Do you think it's wise to add legal cover?

    Our Comprehensive Cycle Legal expenses protection includes legal advice for the following: Personal Injury, Damage to Cycles or Cycling Equipment, Defense of Cycling Offenses, Cycling Contractual Disputes and 24hr Legal Advice and Counseling Helplines.

How do I have to secure my bike for my policy to be valid?

At home - Theft, Accidental or Malicious damage will be covered if the bicycle is kept inside your home (or alternative specified insured location) so long as all security devices are in operation and there must be evidence of forcible or violent entry or exit. If stored in communal areas the cycle must be secured through the frame by an approved lock to an immovable object. If kept inside a private garage or shed within the boundaries of the insured location the door must be fitted with a 5-lever mortice deadlock or 5-lever padlock or the cycle must be secured through the frame by an approved lock to an immovable object.

Away from home - Theft, Accidental or malicious damage is covered if the cycle is secured through the frame by an approved lock to an immovable object (it must not be unattended for more than 24 hours, and there must be evidence of force and violence used to take or access the cycle).

Bike Locks – What lock do I need for my bike?

Unfortunately, bike theft is very common, according to the Office for National Statistics, between 2016 to 2017 there were some 290,000 bike thefts in England and Wales alone. Our cycle insurance policy insures bikes up to a value of £15k, We require our clients to have the appropriate lock for the value of their bike. Most bike locks are rated by Sold Secure, an independent testing company, they award a bronze, silver, gold and platinum rating. See the table below to see standard bike lock you require.

Bike value Sold Secure rating
Up to £250 Bronze
£250 and £1,500 Silver
Over £1,500 Gold

To check the rating of your bike lock, please use the search box below.

10mm Super Quadlink Chainhttp://www.englishchain.co.ukGold
1489 EURDAThttp://www.masterlock.euSilver
1600 HB 170/210 D-Lockhttp://burg.biz/ukGold
1600 HB 170/280 D-Lockhttp://burg.biz/ukGold
2972508 ( Frame Lock )
Only the frame/ring lock is Sold Secure approved - the plug in chain in NOT part of the Sold Secure accreditation.
http://www.tonyon.comSilver
402/150HB160 MiniBronze
402/170HB230Bronze
410/170 HB 230 Ultrahttp://www.abus.comSilver
410/170 HB 300 Ultrahttp://www.abus.comSilver
420/150HB140http://www.abus.comGold
440A/150 HB 160 USH Alarm Mini
THE ALARM PART OF THIS PRODUCT IS NOT PART OF SOLD SECURE TESTING.
http://www.abus.comSilver
440A/170HB230
THE ALARM PART OF THIS PRODUCT IS NOT PART OF SOLD SECURE TESTING.
http://www.abus.comSilver
460/150HB230http://www.abus.comSilver
460/150HB300http://www.abus.comSilver
470/150 HB 230http://www.abus.comGold
470/150HB300http://www.abus.comGold
53/160 HB 300 Granit Londonhttp://www.abus.deGold
54/160HB145http://abus.comDiamond
6405-85 Bordohttp://www.extrauk.co.ukGold
6500A/110 BORDO SmartXhttp://abus.comGold
8195 Eurdprocol
D Shackle
Gold
8195 Eurdprocolbhttp://www.masterlock.euGold
8195 Eurdprocolrhttp://www.masterlock.euGold
8195 Eurdprocolshttp://www.masterlock.euGold
8195 Eurdprocolw
D Shackle
http://www.masterlock.euGold
8195 Eurdprocolwbhttp://www.masterlock.euGold
8195 Eurdprocolwrhttp://www.masterlock.euGold
8195 Eurdprocolwshttp://www.masterlock.euGold
8195 Eurdprolw Street Fortum
D Shackle
http://www.masterlock.euGold
8195 Eurdprolwrefhttp://www.masterlock.euGold
8195 Eurdprorefhttp://www.masterlock.euGold
8200Eurdprohttp://www.masterlock.euBronze
8210/110 IVENhttp://www.abus.deSilver
8210/85 IVENhttp://www.abus.deSilver
8234 Eurdprohttp://www.masterlock.euSilver
8274 Eurdpro
D Shackle
http://www.masterlock.euGold
8278Eurdprohttp://www.masterlock.euDiamond
8279Eurdprohttp://www.masterlock.euDiamond
8285 Eurdpro Street Fortum
D Shackle N.B. Only the D Shackle has passed the Sold Secure test. The cable part of this product has not passed and is only meant to provide a minimal level of security for accessories.
http://www.masterlock.euGold
8290Eurdprohttp://www.masterlock.euBronze
8676568 ( Frame Lock )
The plug in chain in NOT part of the Sold Secure Approval
http://www.tonyon.comSilver
8900Silver
Abus 1010/85/110/140/170 City Chain
Padlock & Chain
http://www.extrauk.co.ukGold
Abus 32/150 HB 230 Facilo
D Shackle N.B. Only the D Shackle has passed the Sold Secure test. The cable part of this product has not passed and is only meant to provide a minimal level of security for accessories.
http://abus.comBronze
Abus 410/150 HB 140 Ultra Minihttp://abus.comSilver
Abus 410/150 HB 180 Ultra Minihttp://abus.comSilver
Abus 420/170 HB 230 Ultimatehttp://Abus.comGold
Abus 471/150 HB 300 Sinus Plushttp://www.abus.comSilver
Abus 471/150 HB230 Sinus Plushttp://www.abus.comSilver
ABUS 53/160 HB230 Granit Londonhttp://www.abus.comGold
Abus 6000/75+90cm Bordohttp://www.abus.comBronze
Abus 6000A Bordo Alarmhttp://www.abus.deBronze
Abus 6405-110 Bordohttp://www.extrauk.co.ukGold
Abus 6500/110 Bordo X-Plushttp://www.abus.comGold
ABUS 770A/160HB 230 BK Smart X
The smart locking component is not part of the Sold Secure Approval.
http://www.extrauk.co.ukGold
ABUS 770A/160HB300 SmartX
The smart locking component is not part of the Sold Secure Approval.
http://www.extrauk.co.ukGold
Abus 9808http://abus.comSilver
Abus Bordo Granit X-Plus 6500/85
Bicycle Lock
http://abus.comGold
ABUS WBA 100
WBA 100 Wall/Ground Anchor
http://www.abus.comDiamond
Airlok 1http://www.hiplok.comGold
Alarm D MAX 320mmhttp://www.oxprod.comSilver
Alarm D Midi (260mm)
Alarm is NOT part of the Accreditation from Sold Secure.
http://www.oxprod.comSilver
Alarm D Mini
Alarm is NOT part of the Accreditation from Sold Secure.
http://www.oxprod.comSilver
Alarm D Scoot
Alarm is not part of the Sold Secure Accreditation.
http://www.oxprod.comSilver
AlarmD Pro
The alarm component is not part of the Sold Secure Approval.
http://www.oxprod.comGold
Almax Immobiliser Series III & SS65CShttp://www.almax-security-chains.co.ukDiamond
Anchor 10http://www.oxprod.comSilver
Anchor Flathttp://oxfordproducts.comSilver
Anti-Pinch Pinhttp://www.SecurityForBikes.comDiamond
AXA Absolute 8-110http://https://www.axasecurity.com/bike-security/en-gb/Silver
AXA Absolute 8-90http://https://www.axasecurity.com/bike-security/en-gb/Silver
AXA Absolute 9-110http://https://www.axasecurity.com/bike-security/en-gb/Gold
AXA Absolute 9-90http://https://www.axasecurity.com/bike-security/en-gb/Gold
AXA Cherto Compacthttp://www.axabikesecurity.comGold
Axa Fold 100http://www.trelock.deBronze
AXA Fold 100 Ultrahttp://www.trelock.deGold
Axa Fold 85http://www.trelock.deBronze
AXA Foldable 1000-Seriehttp://www.axabikesecurity.comSilver
AXA Linqhttp://https://www.axasecurity.com/bike-security/en-gb/Gold
AXA Newton Pro Mini
THE CABLE IS NOT INCLUDED IN THE SOLD SECURE ACCREDITATION
http://www.kryptonitelock.comSilver
AXA Newton ProMOTO-2http://www.axabikesecurity.comGold
AXA Newton U Lock 230http://www.axabikesecurity.comSilver
AXA Newton U Lock 300http://www.axabikesecurity.comSilver
AXA Newton U Lock Prohttp://www.axabikesecurity.comGold
AXA Solidhttp://www.axabikesecurity.comSilver
AXA Solid Plus
The Optional Compatible Cable for this product is not part of the Sold Secure Testing/Accreditation
http://www.axabikesecurity.comSilver
Bangdogge/AX1
The Alarm is not part of the Sold Secure Approval.
http://www.ulaclock.comBronze
BBL-73 SecureFoldhttp://WWW.BBBCYCLING.COMSilver
BBL-75 SecureChainhttp://WWW.BBBCYCLING.COMSilver
BBL-78 Secure Uhttp://WWW.BBBCYCLING.COMGold
Beefy Bridge Ground Anchorhttp://www.SecurityForBikes.comDiamond
Bike Folding Lockhttp://www.etook.cnBronze
Bikehangar 3.0http://www.cyclehoop.comGold
Bodenanker Ground Anchorhttp://www.trelock.deSilver
Bontrager Elite Mini U-LockSilver
Bontrager Elite U-LockSilver
Bontrager Pro U-LockGold
Bontrager Ultimate Chain LockSilver
Brute Force
Ground Anchor
http://www.oxprod.comSilver
Burg Wachter 100D U-Lockhttp://www.burg.biz/ukDiamond
Burg Wachter 152C Double Loop Cable 15mm x 2mtrhttp://www.burg.biz/ukSilver
Burg Wachter 1580 HB 165/200 D-Lockhttp://www.burg.biz/ukGold
Burg Wachter Alpha Padlock 800 65http://www.burg.biz/ukGold
Burg Wachter Alpha Titan Padlock 900 85http://www.burg.biz/ukDiamond
Burg Wachter GA1 Ground Anchorhttp://www.burg.biz/ukDiamond
Burg Wachter Gamma Padlock 700 55http://www.burg.biz/ukSilver
Burg-Wachter 12mm Double Loop Cableshttp://www.burg.biz/ukSilver
Centuro 860/110http://www.abus.deBronze
Centuro 860/85cm
Cable Lock
http://www.extrauk.co.ukBronze
Chain 10 Padlock & Chainhttp://www.oxprod.comGold
Chain 12http://www.oxfordproducts.comDiamond
Chain 8http://www.oxprod.comSilver
CHAINED 12 Stainless Steel Anchor Pointhttp://www.chainedsecurity.co.ukDiamond
CHAINED 16 Stainless Steel Anchor Pointhttp://www.chainedsecurity.co.ukDiamond
CHAINED 22 Stainless Steel Anchor Pointhttp://www.chainedsecurity.co.ukDiamond
City Chain X Plus 1060 x 110cm
Chain
http://www.abus.comGold
City Chain X Plus 1060 x 85 cm
1060 x 85cm chain
http://www.abus.comGold
Cycle Ground / Wall Anchor (Gold Hulk)http://www.cyclesecure.netGold
Cycle Ground / Wall Anchor (Silver Hulk)http://www.cyclesecure.netSilver
Cycle Wall Hanger 500mm and 750mm (Gold)http://www.cyclesecure.netGold
Cycle Wall Hanger 500mm and 750mm (Silver)http://www.cyclesecure.netSilver
Dhttp://www.hiplok.comSilver
DC
The cable does not meet the Sold Secure rating and is sold as an addition to the main product
http://www.hiplok.comSilver
DCL1/J3 Padlock & Chainhttp://www.squirelocks.co.ukSilver
Decathlon D-Lock 920http://https://www.decathlon.fr/Silver
Decathlon Set D-Lock 920
N.B. Only the D Shackle has passed the Sold Secure test. If sold with an additional cable part, then this part of the product has not passed and is only meant to provide a minimal level of security for accessories.
http://https://www.decathlon.fr/Silver
Defender RL
Ring lock that fixes to the frame of the bike and locks either the front or rear wheel.
http://www.axabikesecurity.comSilver
DIB 130 D Lockhttp://www.SecurityForBikes.comDiamond
DIB 190 D Lockhttp://www.SecurityForBikes.comDiamond
DIB 260 D Lockhttp://www.SecurityForBikes.comDiamond
DIB 300 D Lockhttp://www.SecurityForBikes.comDiamond
Discus Chain 10http://oxprod.comBronze
Dundrod 14 x 54mm U-Lock & Chain 1m, 1.4m, 1.8mhttp://www.milenco.comDiamond
Dundrod Alarm 14 x 54mm U-Lock & Chain 1m,1.4m,1.8m
Alarm Component Is Not Part Of The Sold Secure Approval.
http://www.milenco.comDiamond
Dura Secure -Bikehttp://www.dura.comDiamond
Eiger 230 D-Lockhttp://www.squirelocks.co.ukGold
Eiger Compacthttp://www.squirelocks.co.ukGold
Evolution Ground Anchorhttp://www.kryptonitelock.comSilver
Evolution Lite Mini 6http://www.kryptonitelock.comSilver
Evolution LS U Lock 14mmhttp://www.kryptonitelock.comGold
Evolution Mini 5 Double Deadbolt U Lock
Any cable supplied with this product is not part of the Sold Secure Approval.
http://www.kryptonitelock.comGold
Evolution Mini 7 Double Deadbolt U Lock
Any cable supplied with this product is not part of the Sold Secure Approval.
http://www.kryptonitelock.comGold
Evolution Mini 9 Double Deadbolt U Lock
Any cable supplied with this product is not part of the Sold Secure Approval.
http://www.kryptonitelock.comGold
Evolution Series 4 1016 Integrated Chainhttp://www.kryptonitelock.comGold
Evolution Series 4 1055 Mini Integrated Chainhttp://www.kryptonitelock.comGold
Evolution Series 4 1090 Int. Chainhttp://www.kryptonitelock.comGold
Evolution STD U Lock 14mmhttp://www.kryptonitelock.comGold
Evolution U7http://www.kryptonitelock.comGold
Eyelet + U-Lockhttp://www.tex-lock.comSilver
FalcoPod Bike Hangarhttp://www.falco.co.ukGold
FalcoPod Cargo Bike Hangarhttp://www.falco.co.ukGold
Foldylock Classichttp://www.seatylock.comSilver
FS 380 Trigohttp://www.trelock.deBronze
FS 380 Trigo Lhttp://www.trelock.deBronze
FS 480http://www.trelock.deBronze
FS 480 Lhttp://www.trelock.deBronze
G3/G4 Chain
1200mm/1800mm Length
Diamond
GA7 Ground Anchorhttp://www.squirelocks.co.ukDiamond
GHL - 057http://www.ghl-lock.comSilver
GHL - 059 14/230http://www.ghl-lock.comSilver
GHL - 059 14/300http://www.ghl-lock.comBronze
GP Chain 10http://oxprod.comBronze
GP Chain 8http://oxprod.comBronze
Granit Extreme 59/180HB260http://www.abus.comDiamond
Granit Plus 640/135HB 150http://www.abus.deSilver
Granit Plus 640/135HB 230http://www.abus.deSilver
Granit X Plus 54/160 HB230http://www.abus.comDiamond
Granit X Plus 540/160 HB 230http://www.abus.deDiamond
Granit X Plus 540/160 HB 300http://www.abus.deDiamond
Guvnerhttp://www.guvnerproducts.co.ukDiamond
Halfords 23cm Combination D-Lock 225382http://www.halfords.co.ukBronze
Halfords 23cm D Lock 225374http://www.halfords.comGold
Halfords 23cm D Lock with extender cable 225470
The Cable is not part of the Sold Secure Approval.
http://www.halfords.comGold
Halfords Advance 23cm D Lock Keyhttp://www.halfords.co.ukDiamond
Halfords Advance 23cm D Lock With 120cm Extender Cable
Cable Component is not part of the Sold Secure Approval.
http://www.halfords.co.ukDiamond
Halfords Advance Alarmed D Lock 23cm 225510http://www.halfords.co.ukSilver
Halfords Advance Chunky Cable 180cm Key 225310http://www.halfords.co.ukBronze
Halfords Advance Chunky Cable 90cm Keyhttp://www.halfords.co.ukBronze
Halfords Advance Ground Anchorhttp://www.halfords.comDiamond
Halfords Chain Lock 100cm Key 225542http://www.halfords.co.ukBronze
Halfords Chain Lock 70cm Key 225526http://www.halfords.co.ukBronze
Halfords Ground Anchor 225558http://www.halfords.comBronze
Hammerhead 230 & Hammerhead 290http://www.squirelocks.co.ukGold
Hammerhead Combi 230http://www.squirelocks.co.ukSilver
Hammerhead Combi 290http://www.squirelocks.co.ukSilver
Hardcore XC13 Chainlockhttp://www.oxprod.comDiamond
HD Chain Loop (LK146)http://www.oxprod.comGold
HD Maxhttp://www.oxprod.comGold
HD Mini
D Shackle
http://www.oxprod.comGold
Hiplok ANKR (V1)http://www.hiplok.comDiamond
Hiplok DX
Any cable supplied is not part of the Sold Secure Approval.
http://www.hiplok.comGold
Hiplok DXC
Only the D Shackle has passed the Sold Secure testing. The cable part of this product has not passed Sold Secure Testing, and is only meant to provide a minimal level of security for accessories.
http://www.hiplok.comGold
Hiplok DXFhttp://www.hiplok.comGold
Hiplok DXP
Cable Component is Not Part of the Sold Secure Approval
http://www.hiplok.comGold
Hiplok EDXhttp://www.hiplok.comGold
Hiplok Goldhttp://www.hiplok.comGold
Hiplok Homie Silverhttp://www.hiplok.comSilver
Hiplok Litehttp://www.hiplok.comBronze
Hiplok V1.50http://www.hiplok.comSilver
Homiehttp://www.hiplok.comGold
HSU636-155 U Lockhttp://www.intekin.comGold
HSU636-180 U Lockhttp://www.intekin.comGold
HSU636-240 U Lockhttp://www.intekin.comGold
HSU637 100cm, 120cm Series Lockhttp://www.intekin.comGold
Immense Padlock & ChainGold
IVY 9210/85/110/140/170http://www.abus.comGold
J3/J4 Chain
900mm/1200mm/1800mm lengths
http://www.squirelocks.co.ukSilver
Keeper 12 LShttp://www.kryptonitelock.comSilver
Keeper 12 Mini 6 U Lockhttp://www.kryptonitelock.comSilver
Keeper 12 STDhttp://www.kryptonitelock.comSilver
Keeper 712 Combo Chainhttp://www.kryptonitelock.comBronze
Keeper 712 Integrated Chainhttp://www.kryptonitelock.comBronze
Keeper 785 Integrated Chainhttp://www.kryptonitelock.comBronze
Keeper 790 Combo Chain (90cm)http://www.kryptonitelock.comBronze
Kryptolok 912 Integrated Chainhttp://www.kryptonitelock.comGold
Kryptolok 915 Integrated Chainhttp://www.kryptonitelock.comGold
Kryptolok 955 Integrated Chainhttp://www.kryptonitelock.comGold
Kryptolok 995 Integrated Chainhttp://www.kryptonitelock.comGold
Kryptolok ATB U Lock
Any cable supplied with this product is not part of the Sold Secure Approval.
http://www.kryptonitelock.comGold
Kryptolok LS U Lock
Any cable supplied with this product is not part of the Sold Secure Approval.
http://www.kryptonitelock.comGold
Kryptolok Mini 7 U Lock
Any cable supplied with this product is not part of the Sold Secure Approval.
http://www.kryptonitelock.comGold
Kryptolok STD U Lock
Any cable supplied with this product is not part of the Sold Secure Approval.
http://www.kryptonitelock.comGold
Kryptonite Keeper 510http://www.kryptonite.comBronze
Kryptonite Keeper 585http://www.kryptonitelock.comBronze
Kryptonite Kryptolok 610http://www.kryptonitelock.comBronze
Kryptonite Kryptolok 685http://www.kryptonitelock.comBronze
Kryptonite Ring Lock
The Optional Compatible Cable for this product is not part of the Sold Secure Testing/Accreditation
http://www.axabikesecurity.comSilver
K-Traz U13http://www.zefal.comSilver
K-Traz U13-Shttp://www.zefal.comSilver
K-Traz U17http://www.zefal.comGold
Lifeline Steel Core D Lock 14/143http://www.ghl-lock.comSilver
Lifeline Steel Core D Lock 14/230http://www.ghl-lock.comSilver
Lifeline Steel Core D Lock 14/300http://www.ghl-lock.comBronze
Link Lock SLhttp://oxprod.comBronze
Litelok CORE Bikehttp://litelok.co.ukDiamond
Litelok CORE Motohttp://litelok.co.ukDiamond
Litelok Flexi-U Silverhttp://www.litelok.comSilver
Litelok GO Flexi-Ohttp://www.litelok.comSilver
Litelok GO Flexi-Uhttp://www.litelok.co.ukSilver
Litelok Silver Flexi-Ohttp://www.litelok.co.ukSilver
LK8001 Onguard BruteDiamond
LK8002 Onguard PitbullDiamond
LK8003 Onguard PitbullDiamond
LK8005 Onguard Pitbull
N.B. Only the D Shackle has passed the Sold Secure test. The cable part of this product has not passed and is only meant to provide a minimal level of security for accessories.
Diamond
Lockerpod +
Sold Secure approval only valid when anchor point is used as per instructions.
http://www.cyclepods.co.ukBronze
Lockerpod + SS
Sold Secure approval is only valid when supplied ground anchor is fitted and used as per instructions
http://www.cyclepods.co.ukGold
Magnum Plus Anchor 4 Bolt Heavy Duty Ground Anchor HLKM114http://www.moorelarge.co.ukDiamond
Magnum Plus Gigantes Shackle Lockhttp://www.moorelarge.co.ukDiamond
Magnum Plus Goliath HLKM102Gold
Magnum Plus Magrobust Cable Lock 90cm HLK405Bronze
Magnum Plus Magsolid Shackle Lock HLK416Diamond
Magnum Plus Magsolid Shackle Lock with Extender Cable HLK418
N.B Only the D shackle has passed the Sold Secure test, The Cable part of this product has not passed the Sold Secure Approval, and is only meant to provide a minimal level of security for accessories
Diamond
Magnum Plus Magulitmate Chain Lock 85cm x 8mm HLK412Bronze
Magnum U-Lock
170mm x 258mm and 170mm x 315mm D Shackle / U Lock
http://www.oxprod.comDiamond
Mako CN 8/600 Chain Lockhttp://www.squirelocks.co.ukSilver
Mako CN 8/900http://www.squirelocks.co.ukSilver
Mako Combi 18/1800http://www.squirelocks.co.ukBronze
Mako Combi 18/900http://www.squirelocks.co.ukBronze
Mako Combi 25/1200http://www.squirelocks.co.ukBronze
Mako Combi AD25/1200http://www.squirelocks.co.ukSilver
Mako Combi CN8/900http://www.squirelocks.co.ukSilver
Mako Plus 18/1800 Cable Lock
Cable Lock
http://www.squirelocks.co.ukBronze
Mako Plus 18/900 Cable Lock
Cable Lock
http://www.squirelocks.co.ukBronze
Mako Plus 25/1200 Cable Lock
Cable Lock
http://www.squirelocks.co.ukBronze
Mako Plus AD25/1200http://www.squirelocks.co.ukSilver
Mason U Lock 140http://www.seatylock.comDiamond
Mason U Lock 180http://www.seatylock.comDiamond
Mason U Lock 220http://www.seatylock.comDiamond
Mason U Lock 300http://www.seatylock.comDiamond
Messenger Mini + U-Lockhttp://www.kryptonitelock.comSilver
MetroSTOR Cycle Storage Unithttp://https://www.metrostor.net/products/outdoor-storage-units/Gold
Milenco Colraine 12mm Chain Lock 1.0,1.4 & 1.8 Chain Lengthshttp://www.milenco.comDiamond
Milenco Colraine 9mm Chain 1.0,1.4 & 1.8 Chain Lengthshttp://www.milenco.comGold
Milenco Colraine 9mm Chain Lock 1.0,1.4 & 1.8 Chain Lengthshttp://www.milenco.comGold
Milenco Dundrod 12mm Chain 1.0,1.4 & 1.8 Chain Lengthshttp://www.milenco.comDiamond
Milenco Dundrod 14mm Chain 1.0,1.4 & 1.8 chain Lengthshttp://www.milenco.comDiamond
Milenco Dundrod 16 x 65mm U-Lock Chainhttp://www.milenco.comDiamond
Milenco Dundrod 18 x 230mm U-Lock Chainhttp://www.milenco.comDiamond
Milenco Dundrod Ground Anchorhttp://www.milenco.comDiamond
Monster MK 2 Disc Lockhttp://www.oxprod.comDiamond
Monster XL Lock & Chain(14mm Hex)http://www.oxprod.comDiamond
Nemesis 16mm Padlock & 16mm Chain(OF330 OF331 OF332)
Chain Lock
http://www.oxprod.comDiamond
New York M18 WLhttp://www.kryptonitelock.comDiamond
NY Chain 1210 & Evolution Series 4 Disc Lock
Padlock & Chain
http://www.kryptonitelock.comGold
NY Chain 1217 & Evolution Series 4 Disc Lock
Padlock & Chain
http://www.kryptonitelock.comGold
NY Cinch Ring Chain 1213 & Evolution Series 4 Disc Lock
Padlock & Chain
http://www.kryptonitelock.comGold
NY Cinch Ring Chain 1275 & Evolution Series 4 Disc Lock
Padlock & Chain
http://www.kryptonitelock.comGold
NY Fahgettaboudit Chain 1410 & NY Disc Lockhttp://www.kryptonitelock.comDiamond
NY Fahgettaboudit Chain 1415 & NY Disc Lockhttp://www.kryptonitelock.comDiamond
NY Fahgettaboudit Mini U Lockhttp://www.kryptonitelock.comDiamond
NY Lock STDhttp://www.kryptonitelock.comGold
OKG Chain Lock Series 80cm,120cmhttp://www.nvlok.comGold
OKG Noose Chain 80/100/120/150 Serieshttp://www.nvlok.comGold
Onguard Akita Cable Lock 100cm LK8037Bronze
Onguard Brute LS U Lock LK8000http://https://magnum.uk.comDiamond
Onguard Bulldog LK8009http://https://magnum.uk.comSilver
Onguard Bulldog LK8010http://https://magnum.uk.comSilver
Onguard Bulldog LK8012
N.B. Only the D Shackle has passed the Sold Secure test. If sold with an additional cable part, then this part of the product has not passed and is only meant to provide a minimal level of security for accessories.
http://https://magnum.uk.comSilver
Onguard Mastiff LK8019Gold
Onguard Mastiff LK8019Lhttp://https://magnum.uk.comGold
Onguard Mastiff LK8019LPGold
Onguard Mastiff LK8020http://https://magnum.uk.comBronze
Onguard Mini LK8008
N.B. The cable is not part of the Sold Secure Approval.
Diamond
Onguard Pitbull LK8006Diamond
Onguard Rottweiller LK8024http://https://magnum.uk.comBronze
Onguard Rottweiller LK8025http://https://magnum.uk.comBronze
Onguard X- Series Akita LK8037Xhttp://https://magnum.uk.comBronze
Onguard X Series Pitbull LK8005Xhttp://https://magnum.uk.comDiamond
Original Keeper STDhttp://www.kryptonitelock.comBronze
Oxford Anchor 14 Ground Anchorhttp://www.oxprod.comDiamond
Oxford Hardcore XL13http://www.oxprod.comDiamond
Oxford HD Chainlockhttp://www.oxfordproducts.comGold
Oxford Patriot Chain Lockhttp://www.oxfordproducts.comDiamond
Pedego Folding Lockhttp://www.seatylock.comSilver
Protector 1 DT
NB:EXTRA CABLE SUPPLIED IS NOT PART OF THE SOLD SECURE APPROVAL
http://www.giant-bicycles.co.ukGold
Protector 1 STDhttp://www.giant-bicycles.co.ukGold
Protector 11mm Chain
Chain Only
http://www.SecurityForBikes.comGold
Protector 13mm Chain
Chain Only
http://www.SecurityForBikes.comDiamond
Protector 16mm Chain
Chain Only
http://www.SecurityForBikes.comDiamond
Protector 19mm Chain
Chain Only
http://www.SecurityForBikes.comDiamond
Protector 22mm Titan Chainhttp://www.SecurityForBikes.comDiamond
Roundlock RL21 and RL21Ahttp://www.SecurityForBikes.comDiamond
Sentinel + 14 x 260mmhttp://www.oxprod.comDiamond
Sentinel + 14 x 320mmhttp://www.oxprod.comDiamond
Sentryhttp://oxfordproducts.comSilver
Set Lock 900 Mini D
N.B. Only the D Shackle has passed the Sold Secure test. If sold with an additional cable part, then this part of the product has not passed and is only meant to provide a minimal level of security for accessories.
http://www.sinoxlock.comSilver
Shackle 14 (260mm)http://www.oxprod.comDiamond
Shackle 14 (320mm)http://www.oxprod.comDiamond
Sheffield Style Cycle Stands With Locking Pointhttp://https://www.autopa.co.uk/Diamond
Snaplok 210http://www.squirelocks.co.ukSilver
Snaplok 260http://www.squirelocks.co.ukSilver
Soloist CX1http://www.ulaclock.comSilver
Squire Inigma FL1 Folding Lock
The Bluetooth component is NOT part of the Sold Secure Approval.
http://www.squirelocks.co.ukBronze
Squire Inigma IC1
The Bluetooth part of the product is NOT part of the Sold Secure Accreditation.
http://www.squirelocks.co.ukBronze
Squire Inigma-Bluetooth D Lock
Sold Secure Approval only applies to Mechanical resistance only. Bluetooth Component Is NOT Part Of The Sold Secure Approval
http://www.squirelocks.co.ukGold
SS50 P5 Padlockhttp://www.squirelocks.co.ukGold
Sterling 1010S Security Chain
10mm link chain
http://www.sterlinglocks.comGold
Stockholm BX1http://www.ulaclock.comGold
Street Fortum 8195 Eurdpro
D Shackle
http://www.masterlock.euGold
Streetpodhttp://www.cyclepods.co.ukDiamond
Stronghold Ground Anchorhttp://www.kryptonitelock.comDiamond
Sub Major Ground Anchorhttp://www.SecurityForBikes.comDiamond
Torc Ground Anchor Series 2
Ground Anchor
http://www.SecurityForBikes.comDiamond
Torc Maxi Series III Ground Anchorhttp://www.SecurityForBikes.comDiamond
Torc Mega Series III Ground Anchorhttp://www.SecurityForBikes.comDiamond
Trelock BC 480 Chainhttp://www.trelock.deSilver
Trelock BC 580 Chainhttp://www.trelock.deGold
Trelock BC 680 Chainhttp://www.trelock.deGold
Trelock FS 580http://www.trelock.deGold
Trelock U4http://www.trelock.deSilver
Trelock U4 Minihttp://www.trelock.deBronze
Trelock U4 Plus U-Lockhttp://www.Trelock.deGold
Trelock U5 Minihttp://www.trelock.deGold
Trelock U5 Mini Flex
Any cable supplied with this product is not part of the Sold Secure Approval.
http://www.trelock.deGold
Trelock U5 Mini Flexhttp://www.trelock.deGold
U6 L U-Lockhttp://www.Trelock.deGold
U6 U-Lockhttp://www.Trelock.deGold
Ulockmi TWOFOLD Bike U-Lockhttp://www.dedimi.comGold
Viking Chain Lockhttp://www.seatylock.comGold
VKK10X35http://www.brindleychains.co.ukGold
Warrior Rangehttp://www.bikeaway.comDiamond
WBA 75 Ground Anchorhttp://abus.comDiamond
WL2001 Lock Serieshttp://www.sinoxlock.comSilver
WL3001 Lock Serieshttp://www.sinoxlock.comGold
WL3002 Lock Serieshttp://www.sinoxlock.comSilver
WL6002 Chain Lock Serieshttp://www.sinoxlock.comSilver
X-Lock With Eyelet
Eyelet component is not part of this certification.
http://www.tex-lock.comGold
YCL 3/10/110/1 Maximum Security Chain 110cmhttp://www.yalelock.comGold
YCL 3/10/180/1 Maximum Security Chain 180cmhttp://www.yalelock.comGold
YCL3/10/110/1CH YALE CHAIN 1100MM YCL3/10/180/1CH YALE CHAIN 1800MMhttp://www.yalelock.comGold
YUL 2/13/230/1 High Security U Lockhttp://www.yalelock.comSilver
YUL 2C/13/230/1 High Security U Lock & Cable
The cable is not part of the Sold Secure Testing
http://www.yalelock.comSilver
YUL 3/14/230/1 Maximum Security U Lockhttp://www.yalelock.comGold
YUL 3C/14/230/1 Maximum Security U Lock & Cable
The cable is not part of the Sold Secure Testing
http://www.yalelock.comGold

Last updated: 11 Jun 2021

Cover against accidental damage

Despite our best efforts, accidents can happen – especially when cycling through built up and heavily congested areas. In fact, the RoSPA reported that a total of 18,477 cyclists had been involved in road accidents in 2016. If you’re caught up in an accident and your bicycle is damaged, our cycle insurance policy will cover your repair costs up to a value of £15k - allowing you to get back up and running (or riding!) in no time.

Get a Quote
FAQs
Buying Eversure Cycle insurance
  • I need to change or cancel my cycle insurance policy, are there any fees?

    If you have purchased a policy on or after the 13 August 2019 then the following fees will apply: 

    • Mid Term Adjustments - £10.00 
    • Cancellations - Touring Caravan - £10.00  

    Please note that administrative fees are non-refundable. 

  • Are there any age limits on your cycle policies?

    Yes we do have age restrictions which are as follows:

    • To purchase a cycle policy: 18 – 84 inclusive
    • Public Liability cover (optional extra): 16 - 84 inclusive
    • Personal Accident cover (optional extra): 16 - 69 inclusive

  • How can I pay for my Cycle insurance?

    You can pay for your annual policy in full by using any UK credit or debit card including American Express.

    If your policy is valued at over £120.00, we offer the facility to pay in monthly repayments via our partner, Premium Credit.   When selecting this payment method, you will pay a deposit to Eversure.  Your remaining repayments will be collected by Premium Credit, and your first monthly repayment will be collected one month after the start date of your policy.

    You will receive a welcome pack from Premium Credit by email within 14 days, which will include a repayment schedule. Please read it carefully and sign the Credit Agreement as soon as possible.  A £10 charge may be incurred if Premium Credit are required to remind you to sign the agreement.

    If you change your mind you can cancel the credit agreement free of charge within 14 days of purchase, you will have to make alternative arrangements to pay the balance of your insurance policy.

    Please Note: We can't offer this payment method to policies that don't meet this value so please don't ask. We don't like saying no!

  • I do not live in the UK, can I still buy your cycle insurance?

    We're not permitted to write insurance to non-UK residents at this time. 

    Additionally, residents of The Isle of Mann and the Channel Islands are not permitted to purchase our  insurance.

    To qualify as a valid resident for the purposes of our Cycle Insurance, you will have spent at least 6 of the last 12 months in the UK, and will spend at least 6 of the following 12 months in the UK.

    If you are staying in the UK on a Visa, you will be covered providing your insurance policy will expire within the duration of your Visa.

  • Is my cycle lock covered under the policy?

    Your policy can include cover for your cycle lock, you must ensure that you select 'Accessories' cover in the purchase process.

    We can offer cover of up to £250, £500 or £1000 in accessories cover and it's not just limited to your cycle lock, other accessories can include cycling specific helmets, hats or caps, shoes, overshoes, jerseys or vests, base layers, gilets, gloves, glasses & goggles, jackets, shorts, bib shorts, bibs, bib-longs, tights, trousers, socks, warmers, compression clothing, backpacks, water bottles and cages, hydration packs, cameras specifically designed for cycling and mounted to a helmet, frame or handlebars; cycling computer; cycling GPS unit, lights, cycle luggage, panniers, saddle bag, cycling tools, cycling armour & guards.

    The lock must be an approved lock from the appropriate Sold Secure category - our list of approved locks can be found here.

    Cycle accessory cover can also be added to your policy if you are already a policyholder, please get in touch with us if you would like to add this to your policy.

  • Where can I find the Policy Wording for Cycle Insurance?

    The policy wording can be found on the home page of our website, we always recommend you read this before purchasing a policy to ensure that they understand how your cycle policy works and what is covered.  

    If you are already a Policyholder, your policy wording would have been sent to you when you made the purchase of your policy.  All documents are sent to your email address.

  • Do you offer Public Liability on Cycle policies?

    Yes, we can offer Public Liability cover in the following amounts:

    £1 million

    £2 million

    £5 million

    You can select the level of cover you require when obtaining a quote through our website.

    Public Liability protects you against claims brought on by a third party as a result of damage or injury you cause.  There are age restrictions concerning this element of cover, customers aged between 16 - 84 (inclusive) can include this benefit under the policy.

  • Why should I take out Cycle insurance if it's covered on my home policy?

    When we visit cycle retailers, or speak to our customers, we are often asked "Why shouldn't I just cover my bike under my Home Contents insurance?".  This is an important question, and the answer depends upon whether you are willing to accept some of the major exclusions that are common under Home Contents policies.

    Home Contents insurance is an excellent product that every household should consider. Most people usually under-estimate the value of their possessions, and subsequently under-insure on their Home Contents. Home Contents insurance serves a very important purpose; that is to protect the contents of your home against fire, theft, flood, and accidental damage. Without Home Contents insurance, the cost of replacing your possessions after any of the above events could mount up very quickly.

    As with any insurance, Home Contents insurance has its limitations - it cannot possibly cover every single item that you own in every single situation, and it is not designed to do so. For example, people frequently transport items such as bicycles on or in their cars, but you would not expect your car insurance to pay to replace a bicycle stolen from your boot. Likewise, you would not expect your Home Contents insurance to replace your car if it was stolen from your garage.

    Like all insurances, the only way to determine whether a Home Contents insurance policy is suitable for your needs is to carefully read the policy wording.

     

    Key Points to look out for with a Home Contents insurance policy:

    •  We reviewed 10 very well-known Home Contents insurance policies and found that only 2 of them actually covered bicycles against damage whilst being ridden! Most policies also excluded Accidental and Malicious Damage whilst the cycle was away from the home. Eversure Cycle Insurance now insures bikes against non-superficial Accidental Damage and Malicious Damage immediately from purchase.

    •  We also found that the majority of the Home Contents policies we reviewed did not cover bicycles against theft whilst away from the home, even when locked up securely at a bona fide cycle rack. The Eversure Cycle Insurance policy instantly covers the bike against theft, provided you have used the appropriate level Sold Secure Approved Lock. Bikes may be left at a cycle rack for up to 12 hours, or up to 24 hours at a train station.

    •  Most of the Home Contents insurance policies we reviewed had a very low maximum cycle limit. Eversure Cycle Insurance routinely insures cycles up to the value of £10,000.

    •  Several of the Home Contents insurance policies did not cover permanently fixed cycle accessories. Eversure Cycle Insurance covers all permanently fixed accessories included in the value of the cycle.

    • The Public Liability benefit included in the Home Contents insurance policies we reviewed was rarely extended to cover sporting activities such as cycling. This is an important exclusion to note, as Public Liability covers you should you cause injury or damage to another person or to their property whilst cycling. For example, colliding with a pedestrian or scraping down the side of an expensive car. Public Liability Cover can be added to the Eversure Cycle Insurance policy for a small additional charge.

     

    In summary, it is important to read your Home Contents policy wording thoroughly, and to also read the Eversure Cycle Insurance Policy Wording to compare the cover provided. In both cases, make sure that you understand what you are getting for your money and then make the decision as to whether you want a Home Contents policy that may include the above mentioned limitations that are not always reflective of a cyclist’s needs, or whether you want a specialist cycle insurance policy.

  • Why should I choose Eversure Cycle Insurance?

    Eversure bicycle insurance offers you great value, clear and reliable cover, carefully designed to cover you and your family's cycling needs. With cover for theft, accidental and malicious damage, the Eversure cycling insurance policy also provides personal accident cover and replacement bike hire. With optional public liability cover and bike breakdown available, our policy provides cover for both the leisure and competitive cyclist.

    • Personal accident cover
    • Call and speak directly with our trained staff
    • Email if you prefer
    • Family cover included

  • I've changed my mind and don't want my policy now, can I cancel?

    We hope you are happy with the cover our policy provides.

    After purchasing our insurance, should you decide that the insurance no longer meets your requirements, you are entitled to cancel this insurance policy by notifying Eversure in writing to our address or by using the Contact Us form on our website within 14 days of issue.  You will receive a refund of premium paid less our cancellation fee, unless you have made a claim in which case the full premium is due.

    You are entitled to cancel this insurance policy after the cooling-off period stated above by notifying Eversure in writing, however no refund of premium will be payable.  A cancellation fee may apply, please see your terms of business agreement provided initially at purchase.  If a claim has been made under your policy then the full premium will be due.

    We shall not be bound to accept renewal of any insurance, and we may cancel this insurance policy by providing 14 days notice in writing to Your last known address. Any return of premium due to you will depend on how long this insurance policy has been in force unless you have made a claim in which case the full premium is due.

    How to cancel your Cycle Insurance

    If you would like to cancel your cover, please submit this in writing either by using the contact us form or by sending a letter to our registered address: Eversure Limited, Bury House, 1-3 Bury Street, Guildford, GU2 4AW.

    Please note: Administration fees (where applicable) are not refundable.

  • What evidence of ownership will I need to provide to make a claim?

    Ordinarily, this means the original purchase receipt, showing the date, price paid, details of the bicycle and/or approved lock, name and address of seller, or other evidence which clearly demonstrates ownership. Other evidence, which would demonstrate ownership, would include at least one item from the following list:

    • A copy receipt from the retailer stating the item, value and date of purchase
    • An invoice stating the item, value and date of purchase
    • A credit agreement stating the item, value and date of purchase

     

    If you do not have any of the above, we will require a combination of at least two of the below:

    • Clear photographs of your cycling equipment which are date and time stamped
    • A bank or credit card statement showing the date and value of the purchase and the retailers details
    • Any literature which shows details of the item and purchase
    • A recent valuation or repair statement from a reputable cycle dealer stating the item, value and date
    • For items purchased through an online auction such as eBay; a printed copy of the original auction, including photo's, description and auction number as well as the relevant proof of payment

  • Can I get insurance if I have previously made a claim?

    At Eversure we treat everyone as an individual and we consider the circumstances of their claim and, if any action is possible, what they have done to prevent it happening again.

    If you have made a claim, our online underwriting may prevent you purchasing our products instantly and should this happen please get in touch with us to discuss your application and we will refer your responses to our underwriters for a decision.

  • What value should I use for my bicycle?

    If you purchased your cycle from new, you should insure your cycle for the new replacement value.  This is called New for Old cover.

    If you purchased your cycle second hand, you should insure your bicycle (and fixed accessories) for the current replacement value from a reputable supplier at the time of applying for cover.   This is called Market Value cover.

     

     

Making a claim
  • I need to make a claim

    If you need to make a claim on your Eversure Cycle Insurance policy, rest assured we aim to make the claim process simple and efficient.

    On the happening of any event which may give rise to a claim you shall give immediate notice, as soon as you become aware to;

    1. the police in respect of any theft or malicious damage, and
    2. to Direct Group Property Services;
    Direct Group Property Services
    Quay Point,
    Lakeside Boulevard,
    Doncaster, DN4 5PL.
    Tel: 0344 893 1022
    Fax: 0344 412 4234

    Quoting scheme reference number 05268A

    Within 30 days of notifying us, you shall supply, at your own expense, full details of the claim in writing together with any supporting information, evidence of ownership and proofs which we may reasonably require including proof of purchase.

    You shall give such information and assistance as we may reasonably require to substantiate any claim and where requested provide proof of your identity prior to settlement of any claim.

    In respect of public liability claims, you must send us any claim, writ or summons as soon as you receive it. Do not negotiate, pay or settle, admit or deny any claim without our written permission. You must also notify us in writing of any impending prosecution inquest or fatal accident enquiry.

    Direct Group Property Services are an insurers agent and in the matters of a claim act on behalf of the underwriters.

    Please Note: Direct Group Property Services has become Ryan Direct Group, combining the latest technology with great customer service to provide insurance solutions to some of the UK’s best known insurance and retail brands.

  • Is there an excess when I claim?

    Policy Section Sum Insured Excess
    Theft of your cycle

    Accidental damage to your cycle

    Malicious damage to your cycle
    £100 - £10,000 Bike value:
    Up to £500: £25
    Up to £1000: £50
    Up to £2000: £75
    Over £2000: £100
    Optional Cover Sections
    Cycling Accessories Cover Up to £1,500 £25
    Replacement Cycle Hire Up to £1000 None
    Personal Accident Up to £25,000 None
    Public Liability Cover Up to £5 million £250 (third party property),
    £500 (third party injury)

What isn't covered?
  • Do your policies cover bicycles that are hired?

    No, the policy will not cover bicycles that are hired.  The policy can only cover bicycles that you own.

  • What are the main exclusions I should be aware of?

    These are what we consider the main exclusions of our policy. You should check the policy wording for a full list.

    • Using the cycle professionally or for any trade/business  
    • Any claim whilst using your cycle for organised events such as triathlons, sportives, cyclo-cross, road cycle races, time trials, track cycling and mountain bike races unless Cycle Event cover has been purchased
    • Any claim relating to commuting to and from work unless Commuting cover has been purchased
    • Theft where the security requirements have not been met
    • Insured items for which you cannot provide evidence of ownership
    • Theft of or damage to accessories or removable parts, unless the cycle is stolen or damaged at the same time and the Cycling Accessories cover has been purchased
    • Tyres or inner tubes unless the cycle suffers accidental or malicious damage at the same time
    • Damage that does not impair the function and/or performance of the cycle
    • Personal accident cover for anyone aged under 16 or over 69
    • Public Liability cover for anyone aged under 16 or over 84
    • Any claim where the cycle has been abandoned

  • Do you cover motorcycles or electric scooters?

    No, our cycle policy provides cover for pedal cycles only.

What is Covered?
  • Am I covered if my cycle is stolen from me whilst I'm riding it, or if I am mugged?

    Your cycle policy would be able to assist in this unfortunate scenario.  It is important that you notify the police as soon as possible and provide them with a detailed account of what has happened.  Before submitting a claim, please ensure you have:

    • a valid and substantiated crime reference number
    • evidence of ownership

    In the event that your cycle has been stolen, in addition to the above, you will also need to provide the key for the approved lock and a receipt demonstrating the make and model. 

     

  • I'm going abroad with my cycle, will this policy respond when my cycle is in transit?

    This policy will cover repair costs if your cycle is accidentally damaged whilst in transit with a recognised transport provider, you must ensure that the cycle is securely packaged and a receipt obtained.

    If your bike is stolen whilst in transit, you will need to seek advice from the airline or transport provider as this policy does not cover theft when the cycle has been entrusted to the recognised transport provider.

  • Is my cycle covered when being transported on a rear-mounted cycle carrier on a car?

    If you are transporting your cycle by car on a rear-mounted cycle carrier and your cycle is damaged by a third party colliding into the rear of the car, we would expect you to be claiming for the damage from the third-party who has hit you given they would be liable for damages.

    Typically though, the cycles would be covered for accidental damage if they were damaged whilst on the racks. They would not, however be covered for theft.

  • What are the key features of Eversure Cycle Insurance?

    The main features of our cycle insurance covered as standard are:

    • Theft
    • Accidental damage
    • Malicious damage
    • Replacement cycle hire
    • Personal accident
    • European Cover

    If you'd like additional cover, you can add the following:

    • Public liability cover
    • Cycle breakdown
    • Cycling accessories
    • Cycle Event Cover
    • Worldwide Cover

  • Does your insurance cover cycles when used in cycle races, triathlons, cycle sportives, etc.?

    Our optional Cycle Event cover will extend the standard policy to also cover you whilst you are using the cycle during organised events such as triathlons, sportives, cyclo-cross, road cycle races, time trials, track cycling and mountain bike races

  • Do you insure wheels?

    If you take out our insurance you have a ‘duty of care’ and therefore you must take care to prevent any accidental damage, malicious damage, theft or loss of your bicycle or component parts. You must make all reasonable efforts to make it as difficult for the wheels or any other component to be stolen, for example, if they are quick-release wheels then:-

    • The approved lock can be fed through both the front wheel and the frame of the bike;
    • Approved lock(s) can be purchased to lock the frame and wheels to an immovable object: Approved Lock List

  • Can I get mountain bike insurance?

    Yes, the Eversure Cycle insurance policy also covers mountain bikes, as well as road bikes. 

    We can even provide cover for adult tricycles or a tandems and electric cycles that have powered assistance to a maximum of 25 km/h (15.5 mph) using a motor of no more than 250 Watts rated output.

  • I got my bicycle through the 'Cycle to Work' scheme, can I get cover?

    Yes, the Eversure policy will cover cycles obtained through the 'Cycle to Work' scheme.

  • Are electric cycles covered by the policy?

    Yes, we can cover electric bicycles providing they meet EAPC requirements

    Electric cycles must have powered assistance to a maximum of 25 km/h (15.5 mph) using a motor of no more than 250 Watts rated output.

  • Am I covered to take my cycle abroad?

    Yes, you are covered all over the world!

    You are covered up to a maximum of 31 days any one trip and a total of 90 days in any one period of insurance.

    All trips must begin and end in the United Kingdom before the end date shown on your policy schedule

  • Am I covered for Third Party damage or injury?

    You can select Public Liability Cover when you purchase Eversure Cycle Insurance.

    Providing you are aged over 16 and under 85, this will give you cover should you injure another person or damage their property whilst using your cycle.

    In the event that a third party is deemed liable for part or all of any claim, we may exercise our right of subrogation (subrogation is the legal right held by most insurance carriers to legally pursue a third party that caused an insurance loss to the insured).  

    You shall, at our request and our expense, agree to and permit us to do such acts and things as may be necessary or reasonably required for the purpose of exercising this right.  You will take no action or make any agreements that may weaken or remove our rights under this clause without our prior written permission.  We will pay any costs or expenses involved in exercising our right of subrogation.

  • Do you provide Personal Accident Cover?

    Yes, if you are over 16 and under 70 years of age the Eversure Cycle Insurance policy provides two levels of Personal Accident cover - Level 1 offers £10,000 of cover and Level 2 offers £25,000.

    If you select Personal Accident cover then your are covered up to the amount shown below if at any time whilst you or any member of your family are using the cycle are involved in an accident, which shall solely and independently of any other cause, result in such bodily injury which results in either death, loss of limb, loss of sight or permanent total disablement.

    The amounts we will pay under this section are; 

     

    Principal Cover    
       Level 1 Level 2
    Death £10,000 £25,000
    Loss of limb (one or more)  £5,000 £12,500
    Loss of Sight (permanent & total)       
    Both eyes:  £5,000 £12,500
    One eye:  £2,500 £6,250
    Permanent Total Disablement  £10,000 £25,000

  • Am I covered if I lend my bike to someone else?

    This policy only covers you and the following members of your family that permanently reside with you at the same address, family members are considered as your:

    • parents
    • spouse
    • partner
    • children or siblings (aged 12 years or over)

Security
  • I can't find my approved lock on your list - Help!

    If you can't find your lock on our approved locks list, please try searching for the specific lock model rather than the manufacturer. For example, if searching for a 'Kyroptonite Evolution Mini 7' lock, 'Kryptonite' will not yield any results but 'Evolution' will. If you still can't find your lock, please get in touch either by chat or the contact us form.

  • What are the full security requirements under this policy?

    It is so important that you follow the security requirements of your policy, by not adhering to these could invalidate a claim.

    Below is the minimum security requirements under this policy:

    Security requirements where the cycle is at the insured location

    Accidental or malicious damage to or theft of the cycle whilst at the home shall only be covered in circumstances where the cycle is;

    • kept inside the insured location with all security devices in operation and there must be evidence of forcible or violent entry or exit. If stored in communal areas the cycle must be secured through the frame by an approved lock to an immovable object.
    • If kept inside a private garage, wooden, plastic or aluminium shed within the boundaries of the insured location the door must be fitted with a 5-lever mortice deadlock or 5-lever padlock or the cycle must be secured through the frame by an approved lock to an immovable object.

    Security requirements where the cycle is away from the insured location

    Accidental or malicious damage to or theft of the cycle whilst away from the home shall only be covered in circumstances where;

    • The cycle is not left unattended, unless it is secured through the frame by an approved lock to an immovable object (it must not be unattended for more than 24 hours, and there must be evidence of force and violence used to take or access the cycle).

    Security requirements where the cycle is in or on a vehicle

    Theft whilst the cycle is in or on a vehicle shall only be covered in circumstances where;

    • The vehicle must be securely locked with a factory/professionally fitted alarm and immobiliser in operation and there must be evidence of forcible or violent entry. Where possible the cycle should be out of sight.
    • if the cycle is left in or locked on to the vehicle between the hours of 9pm and 6am the vehicle must be fitted with a:
      • Thatcham category 1 alarm/immobiliser, or
      • category 2 immobiliser or
      • category 3 steering lock
      If any such category 1 and 2 device is not factory fitted, it must have been installed by a member of the Vehicle Security Installation Board and evidence of such must be provided in the event of a claim.
    • When you are outside the United Kingdom where it is impossible to comply with the Thatcham security requirements, theft shall only be covered if the vehicle is fitted with a factory fitted alarm or immobiliser and evidence of its existence must be provided in the event of a claim.
    • If the cycle is on a cycle or roof rack, the cycle must be secured through the frame by an approved lock to a roof/cycle rack which is properly attached to the vehicle. All doors, windows and other openings of the vehicle and cycle rack must be left closed, securely locked and properly fastened. Any security devices must be in operation.
    • The vehicle must be road legal and insured.

  • What sort of lock do I need?

    The Eversure Cycle Insurance policy requires that your cycle is secured using an approved lock.

     An approved lock means:

    • A nominated lock from the appropriate Sold Secure category 
      (as specified on your policy schedule)
      • for cycles up to £250 in replacement value, an approved lock is one which is tested to a bronze standard by Sold Secure.
      • for cycles greater than £250 but less than £1,500 in replacement value, an approved lock is one which is tested to a silver standard by Sold Secure.
      • for cycles greater than £1,500 in replacement value, an approved lock is one which is tested to a gold standard by Sold Secure.
    • Any other specified lock accepted by us and agreed in writing.

    We have a handy lock-searcher on our website. Enter your lock and you'll be shown whether it's covered or not. Just follow this link to check your lock now.

    As a general rule, you should be purchasing a lock that shows the below logo as these have been tested by bodies that our underwriters have approved.

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