UK specialist cycle insurance premiums options claims

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UK specialist cycle insurance - premiums/options/claims. NB Scroll right (use right arrow key) to see all columns.

Insurance

Bike Insurance 2016 (Oct 15 policy) CTC Cyclecover 2016 (May 14 policy) Cycleguard 2016 (Oct 15 policy) Cycleguard 4 Kids 2016 (Oct 15 policy) Cycleplan 2016 (Jan 16 policy) Cyclesure 2016 (Aug 14 policy) Ecoinsure 2016 (May 14 policy) Endsleigh 2016 (Jan 2016 policy) ETA 2016 (Apr 2015-Mar 2016 policy) Evans 2016 (Oct 15 policy) LCC Urban Cycling 2016 (Aug 14 policy) Protect Your Bubble 2016 (Jun 2013 policy) Velosure 2016 (Nov 2015 policy)

Insurance

Minimum claim

£100

£100

 ✗

£100

 ✗

£100

 ✗

 ✗

£100

 ✗

 ✗

see excess

see excess

Minimum claim

Excess

See policies for exact details

£25 for each/any claim

Higher of £100/20% in certain situations

£25

Theft: 10%/£25 or 20%/£100 depending on location

£25 for each/any claim (differs in some situations)

Varies from none to higher of £100 or 20% of value, depending on the case.

£25 or 5% of claim value for equip/accessories; £300 for damage to 3rd party property; £500 for injury to 3rd party.

Option to pay for excess claim waiver

£25

Theft: 10%/£25 or 20%/£100 depending on location

Damage:£25

Theft: £25 - 100

10% of claim (max £50)

5% of insured value (min £25).

20% (min £100) for folding bikes in public places, and any bike 1-4am in public place.

£25 for each/any claim (differs in some situations)

£25

Theft: 10%/£25 or 20%/£100 depending on location

On a sliding scale £25 - £200 depending on value.

First 5% of value (minimum £50; maximum £200) of every theft/personal accident claim

£50; for road rage; £500 for public liability

Excess

See policies for exact details

Public liability

 ✗

but this is a British Cycling membership benefit

 ✓

but this is also a Cyclists' Touring Club membership benefit

An option

 ✗

An option if 16-85

An option

An option

An option

 ✓ but geographical/age limits.

 ✗ for competitive use.

An option if 16-85

 ✓

but this is a London Cycling Campaign membership benefit

 ✗

 ✓ if 16-85; £500 excess

Higher level optional

Public liability

Personal accident

 ✗

An option if 16-85

An option

An option if 16-85

An option

An option if 16-85

An option if 16-85

 ✗

 ✓ Europe.

An option if 16-85. Excl. total disablement if over 65.

An option if 16-85

 ✗

 ✓

Personal accident

Replacement cycle hire

 ✓

 ✓ only for holiday

 ✓

 ✗

An option

 ✓ only for holidays

 ✓ only for holidays

 ✗

 ✓ (£250 limit)

 ✓

 ✓ only for holidays

 ✗

 ✓ (£500 limit)

Replacement cycle hire

Roadside rescue

 ✗

 ✗

An option

 ✗

 ✗

 ✗

 ✗

 ✗

 ✓ only for 1-25 mile radius of specified destnations in GB.

 ✗

 ✗

 ✗

 ✓

Roadside rescue

Premium

Annual or monthly

Annual

Annual or monthly

Annual or monthly

Annual or monthly

Annual

Annual

Annual

Annual

Annual or monthly

Annual

Annual or monthly

Annual or monthly

Premium

Other info

Eligible with 2 prior claims, but must declare them.

Cover incl. tandems, trikes, recumbents, trailer cycles, push scooters.

Option to cover certain electric battery-assisted bikes.

Option to cover cycle accessories to value of £250 or £500.

Cover incl. tandems, trikes, recumbents, certain electric battery assisted bikes.

10% of CTC Cyclecover premiums support CTC.

Eligible with prior claims, but must declare them.

Cover incl. tricycles, tandems, trailer bikes, some electric bikes.

Eligible if made previous claims, but must declare these.

Cover excludes paper round.

All types of bikes incl. BMX, mountain, road, electric, tandem, adult tricycle, unicycle.

Incl. tandems, trikes, recumbents, certain electric battery assisted bikes.

Incl. tandems, trikes, recumbents, certain electric battery assisted bikes.

A portion of Ecoinsure premiums support Sustrans

Non-motorised bicycles, tandems, tricycles

Incl. tandems, adult trikes, certain electric bikes

Eligible with prior claims, but must declare them.

Incl. electric bikes

Incl.
tandems, trikes, recumbents, certain electric battery assisted bikes.

A % of premiums donated to London Cycling Campaign.

Incl. road bikes, mountain bikes, E-bikes, foldable bikes, BMX bikes, hybrid bikes and children’s bikes

Incl. tandems, tricycles, trailer cycles, push scooters, some electric cycles

Optional cover for road rage; helmet/clothing/footwear

Other info

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