The ownership and use of cycles have risen dramatically in the UK over the last few years. As we become more aware of the environmental impacts that cars have on the environment, the benefits of regular exercise and the costs of operating a car, more people are now using cycles to combat those very problems. Using a cycle clearly creates less pollution, greenhouse gases and depletes the finite resources far less than a car. Cycling is an excellent way to exercise and causes less damage to the body than jogging for instance, whilst the maintenance costs associated with a cycle is a fraction of that of owning a car. However many people do overlook the need for specialist cycle insurance. Cycles are relatively easy to steal and resell, they don’t have the security devices that cars benefit from and many cycle users don’t have liability cover to protect them from third party claims. There are now over 23 million cycles in the UK and only a fraction will be covered by specialist cycle insurance.
Around 60% of the cycles in the UK are used for commuting or professional work. Obviously the more you use your cycle, the more likely you are to suffer from theft, accidental damage or be involved in (or cause) a road accident. Whilst a cycle commuter may be financially able to replace their bicycle, they are less likely to be able to cover the costs of a third party claim. Cycleguard insurance provides a public liability insurance option, which covers you should you cause injury or damage to another person or their property. The cover can extend up to £5,000,000 of cover to provide a significant amount of third party liability cover.
Even if you only use your cycle at the weekends, it’s worth getting a cycle insurance quote from a specialist. Many home contents policy will not cover items like cycles if they are over a certain value or they are taken away from the home. If you take your cycles away at weekends, they may also not be covered if you transport them on a car rack – so check with your home insurer. Cycleguard insurance offer an in vehicle option which also covers your cycles whilst ‘on’ a vehicle rack (as long as you apply the necessary security requirements).
Why buy Cycleguard? If you missed it earlier, here's our quick sales pitch:
We guarantee the best price – there's no need to hunt the web for quotes Flexible cover options – you create the cover you want
We cover more than £3 million of bicycles for over 5,000 cyclistsOur simple to use site makes it easy!Price guaranteeThis is where we get a little bit cocky… we are so confident that our prices can't be beaten, that we guarantee to give you double the difference back, if you find the same or better cover at a eaper price within 28 days of the start of your policy (written proof is required).Independent review The GoodWebGuide recently reviewed the Cycleguard website and gave it full marks. Here's what they said:'
Cycleguard is another excellent product from JLT Online offering insurance cover to cyclists and their bikes, which also includes electric bikes.
This well tuned website makes applying Public liability and personal accident What is public liability?
Public liability is also known as third party liability. This cover protects you against third party claims for injury or damage to 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. We're sure you wouldn't drive a car without insurance - it's really no different for cyclists!Cycleguard offer a chioce of £1, £2 and £5 million public liability cover as an option. You can also choose to extend liability cover to family members. If you don't have a bicycle to insure but still require liability cover, you need our Cycleguard Roadcare cover What is personal accident cover? If you were to personally suffer injury whilst using your bicycle, Cycleguard provides cover up to £10,000 for death and permanent total disablement and £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.
Bicycle roadside recovery (Cycleguard Rescue)
What is bicycle roadside recovery?
The bicycle roadside recovery option is our new emergency roadside recovery service for cyclists - a cycling version of those yellow or orange vans that help when your car breaks down! It is a unique rescue service brought to you by Cycleguard but with the recovery service provided by one of the biggest rescue specialists Call Assist.
How does it work?
If you became unable to complete a journey (anywhere in the UK), due to an accident, theft, vandalism or irreparable breakdown of your bike, Call Assist will take you and your bicycle would be taken to a convenient location. That could be a bicycle repair shop, railway station, car rental agency or your home or alternative overnight accommodation if either are nearer. It's great for commuters as well as leisure cyclists who enjoy using their bicycles away from home.It's worth noting that any roadside breakdown must have occurred at least one mile away from your home to be eligible to use your Cycleguard Rescue cover.
Does it cover multiple bicycles?
No - the cover is for a specified bicycle. If you have more than one bike, you'll need separate cover for each one?(but you can buy roadside recovery for up to 3 bicycles in one application at a total cost of £36). You can specify roadside recovery for each bicycle when you add the bicycle details later when you take out a policy.
Are there any significant things it doesn't cover?
If you are outside of the UK
If the theft, damage, accident or breakdown occurred whilst using your bicycle for racing, time trials or other competitive cycle sport
If you are within a mile of your home
Flat tyres or punctures
How do I arrange cover for this?
You will be able to add this to your Cycleguard policy as an option.
How do I make a claim for roadside recovery?
When you receive your policy documents you will be provided with the Cycleguard Rescue contact number. We recommend you store this number on your mobile phone or in a place accessible when you are using your bike. If you need to use this service simply call this number and 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. 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.
Cover summary
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?
Cycleguard insurance is suitable for:
Cyclists that use their bicycle for leisure and/or business purposes
Cyclists that commute to work on pedal bicycles or electric bicycles
Cyclists that race or are involved in other competitive cycle sports
Cycleguard provides:
Cover against theft, loss and accidental damage up to £5,000Replacement on a new for old basis for bicycles up to 3 years old (older cycles are subject to depreciation)Bicycle hire - until items are replaced or repaired (subject to an approved claim)No excess as standard Choice of area covered:
Worldwide (45 day maximum trip)
Optional extensions:
Public liability and personal accident cover
Bicycle roadside recovery option (Cycleguard Rescue)Family members option
Why buy Cycleguard?
If you missed it earlier, here's our quick sales pitch:
We guarantee the best price – there's no need to hunt the web for quotes Flexible cover options – you create the cover you want We cover more than £3 million of bicycles for over 5,000 cyclists Our simple to use site makes it easy! Price guarantee This is where we get a little bit cocky… we are so confident that our prices can't be beaten, that we guarantee to give you double the difference back, if you find the same or better cover at a cheaper price within 28 days of the start of your policy (written proof is required). The GoodWebGuide recently reviewed the Cycleguard website and gave it full marks. Here's what they said: 'Cycleguard is another excellent product from JLT Online offering insurance cover to cyclists and their bikes, which also includes electric bikes. This well tuned website makes applying for online quotes very simple. Just a few clicks and you will have an online quote.'
Flexible cover options
With Cycleguard you can customise your policy so it matches your needs – you can literally create your own cover!
Money back guarantee
If you change your mind or find that Cycleguard is unsuitable for your needs, you can cancel your policy within 28 days and receive a refund. [more info]
The cyclists choice
Over 5,000 cyclists currently trust and insure their bicycles with Cycleguard and that's a lot of cycles – Cycleguard has over £3 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. They aren't the only ones…over 600 cycle shops across the country refer Cycleguard to their customers on a daily basis!
Our claims performance
You need to know that in the event of a claim, that your claim will be handled quickly and without any undue hassle. Over 92% of claims processed are settled within 28 days. Of these, more than half are settled within 14 days. Only 1% take longer than 56 days. On the subject of claims: please, please, please, please, please read the policy wording. Yes, we know it's boring but it contains crucial information about the care that you need to take, of your bicycle.
Cycleguard standards of service
To ensure that we serve all of our customers to the very best of our ability, we've created a set of standards (our Seal of Good Service) that we promise to work to. If we fail at any point we'll give you a minimum of £5 discount off your premium and our sincerest apologies. [more info]
So, there you go, our reasons that you should buy Cycleguard insurance. What do our customers think? Well, here's what they say:
Standards of service
To ensure that we serve all of our customers to the very best of our ability, we've created a set of standards (our Seal of Good Service) that we promise to work to. If we fail at any point, we'll give you a minimum of a £5 discount off your premium and of course you'll receive our sincerest apologies.We will:
despatch your full set of policy documents, either electronically or by post, within 3 working days
reply to any written correspondence within 3 working days of receipt
reply to email communications within 2 working days of receipt
despatch a claims form within one working day but you can download one anytime from the website
acknowledge any communication regarding a claim within 3 working days
respond to a voice message left on our telephone system within 4 working hours
if eligible, despatch an offer to renew your policy no less than 25 days prior to expiry of the current policy.
A working day is defined as any weekday, excluding bank holidays, when normal business is conducted between the hours of 9:00am and 7:00pm |
