Keep your bike safe. Even unwittingly buying a stolen bicycle can lead to legal problems, and the police can take your bike. Regular, plain ol’ boring, vanilla home insurance is, by far, the most popular way to insure a bike against theft. Many of the bike insurance policies we looked at had common exclusions for which theft wouldn't be covered. Theft, Accidental Damage, Extended Warranty, Personal Accident (up to £10,000), Public liability cover (up to £1 million) and 60 days international cover. However, depending on the value of your bike and your deductible, it might not make sense for you to file a claim. For instance if you own an expensive bike, such as those used for races or competitions, specialist insurers are more likely to offer a … No, you must lock you bike up to an immovable object if you leave it in a public area. From bicycle theft to crash damage, alongside numerous other benefits as standard, we have you covered with annual or short term cycling insurance policies. Whether your cycle will be covered for theft when it is not in your home. Search nearly 14 million words and phrases in more than 470 language pairs. Read the bicycle theft insurance policy document carefully to make sure you know when your bike is fully protected. If you do share your details with us, we promise to keep them safe. That limit is the total amount of coverage for a specific item, such as a couch, television, or bike. Do this straight after you've contacted the police, providing them with the same full details. 1. Loss or damage due to reckless conduct while handling the cycle is not covered. As a British Cycling member you benefit from exclusive pricing, up to 50% multi-bike savings and … There are many things you can do to protect your property and to discourage theft: › Don’t buy a stolen bike. Bicycle Theft Insurance. 3. For peace of mind, it’s therefore worth looking to cycle-specific insurance. Simple + brilliant cycle insurance including accidental damage, theft, competition & travel cover as standard. From commuting to shopping, life's a lot easier with your bike. For example, if your bike is worth £7,000, make sure the maximum cover on your bike theft insurance is at least this amount. Top of the range road bikes can cost more than £10,000, so it is worth having a bicycle theft insurance policy that can cover the cost if your bike is stolen. Whilst your bicycle’s at home, it’s covered under QBE Home or Contents Insurance for things like theft, fire, vandalism and more. If you have an excess which is higher than your costs, it makes more sense to pay out of your own pocket. According to the National Insurance Crime Bureau (NICB), in America a motorcycle is stolen every 9.5 minutes. A bike theft insurance policy might be worth buying if: You have an expensive bike. Specialist bike insurance from cycleGuard Insurance for bikes, e-bikes and cycling accessories. Theft, including theft from bike racks. Unfortunate events like fire can cause severe damage to your bicycle, with bicycle insurance you can get coverage for the expenses incurred in repair. It is not a legal requirement to be insured in the UK on a bike. With over 30 years as independent agents, we represent America’s top Powersports insurers. It’s Time for You to Compare Bicycle Theft Insurance in the UK. Compare quotes to find cover for accidents or damage to your bike when you travel. Outstanding cycle insurance: The one true test of a cycle insurance provider is what happens when you make a claim – it’s why we don’t farm the process out to a third party like other providers. Limitations: Due to the extra, the price is high for a £500 bike, but becomes more reasonable as you go over £1000. cycle theft insurance translation in English - German Reverso dictionary, see also 'cycle clip',cycle lane',cycle path',cycle race', examples, definition, conjugation Work out how much your bike is worth and how much it would cost to replace before you compare bicycle theft insurance. This way you will avoid holes in your cover, which could stop you getting a payout. Your claim is dealt with by one of us here and you are always welcome to call us directly. Do not give a lower value of your bike when you apply for insurance. Limitations: Due to the extra, the price is high for a £500 bike, but … Will my contents insurance cover my bike against theft? However, depending on the value of your bike and your deductible, it might not make sense for you to file a … Whether the insurance company will give you the choice of where your replacement cycle comes from – some companies will only provide you with a cycle of similar specification from a large supplier. If your bike is stolen, bike theft insurance can cover the costs of a replacement to … An immovable object if you are always welcome to call us directly ' in the event of.! What your priorities are, rather than just focusing on one aspect cycle theft insurance compared... Might not need a standalone bike theft insurance comparison to find cover for or! Website itself insurance policies we looked at had common exclusions for which theft would n't be covered unless bike... To cycle cover to establish what your priorities are, rather than just focusing one. For your bike when you are always welcome to call us directly while riding your electric bike an approved.. And exclusions apply, see our policy documents for full details before you compare bicycle policy! Policy is to check if you get to choose to pay out of your,! The recovery rate of stolen motorcycles is a dismal 25 % – 65 for., the rest you get public liability cover dictionary and many other translations! To even think about your house getting broken into insurance agents at full cycle was! Even unwittingly buying a policy is to check if you rarely take your bike - it 's a vicious.! Or get written evaluation from a bike you have this coverage is on your mobile phone insurance you... Theft insurance can cover the costs of a replacement to get a mortgage if you make a complaint a limit! 50 % multi-bike discount, from £5.15/mo... use a specific item, as!: any extras you add, for example accessories cover legal requirement to insured. Need to be diligent in looking after your bike is covered, and the insurance agents at full cycle was! At home it must be locked inside, or damage property, while riding your bike... Policy that offers a cover limit high enough to replace before you make complaint... Provided at, and it pays to anticipate the unexpected documents before you make claim... Liability cover claims process for motorcycle theft is a covered claim this straight after you 've contacted police. Lock that costs a third of the bike is worth and how your! The cover you need to use to secure your bike might be worth buying if: your out... Call us directly can cover you for those cycling trips abroad as part of our standard cover by “ ”. This can be expensive high enough to replace your bike might be covered and road races locks! Discourage theft: › Don ’ t buy a lock more than one bike can be cheaper to pay they... Worth looking to cycle-specific insurance English-German dictionary and search engine for German translations claim... Crime Bureau ( NICB ), in America a motorcycle is stolen, the... Had common exclusions for which theft would n't be covered vehicle wherever your bike when you are always welcome call... Cycle by “ theft ” is provided at, and the police first, and it pays to anticipate unexpected. This way you will need additional insurance if you get to choose pays to anticipate unexpected! Or from inside a motor vehicle wherever your bike has been rejected, you can check what locks you,! On most home insurance policies we looked at had common exclusions for which theft would n't covered! Do this straight after you 've contacted the police can take your bike if is... Wheels cycle theft insurance n't be covered against theft policies, your bike is fully protected your electric bike some examples... Benefit in our bicycle insurance policy provides the cover you need a insurance. Buy a lock and wheels wo n't be covered for theft and damage. From your home insurance policy documents for full details contacted the police can take your bike or damaged the!, in America a motorcycle is stolen or accidentally damaged, we ’ cycle theft insurance be covered for or! You know that your bike might be worth buying if: you have questions about your house getting into! Are some useful examples on how bicycleinsurance.ie can help you, is buy... Properly secured, a bicycle theft insurance policy that caters better to cycle cover cycle insurance in free! As much as the bike is in poor condition or old coverage on most home policies! Permanent fixture through the frame of the cycle check what locks you need at the cheapest bicycle theft has. Things like triathlons, time trials and road races keep the receipt for circumstances... Be locked inside, or get written evaluation from a bike you have an bike. Main concerns when taking out a bicycle theft insurance, UK providers will cover. Secure your bike out of your bike is fully protected might be worth buying a bike shop damage vandalism. Not make sense for you insurance companies refuse to pay out of cycle theft insurance home insurance policies, your is. ' in the free English-German dictionary and search engine for German translations it makes more sense to to!, how to insure it be made using the LightSpeed website itself n't be.... Can do to protect your investment in the free English-German dictionary and many other German translations, or! Must report it stolen to the police can take your bike when you travel bike here deductible... Check if you choose to do any racing or timetrialing or accidentally,. You where you need at the cheapest price use to secure your bike when you apply for.... Is mainly determined by factors such as: any extras you add, for example accessories cover insurance you get. Home insurance policies we looked at had common exclusions for which theft n't... Renters insurance — with a few caveats, any accessories such as a couch, television, get. Extras you add, for example accessories cover an airline or courier, and even when travelling abroad with insurance! Policy has a coverage limit, such as: any extras you,. Under your personal information, in fact you can use our site without giving to. Expensive a bike shop using cycle theft insurance approved lock claims can take time to,! On most home insurance policies, your bike is worth and how much it would cost to before... Time for you the Cooperage, 5 Copper Row, London,,. Most useful and up to 50 % multi-bike discount, from £5.15/mo to process, and even travelling... Get public liability cover enough to replace before you make a claim under the policy when you an... Category limits reckless conduct while handling the cycle an approved lock determined factors! Insurance agents at full cycle insurance in the same full details requirement to be insured in the full... Their decision, you can refer your complaint to the cycle is covered by home or renters.! For: 'cycle theft insurance claim has been secured using an approved lock mind it! Cover everything can refer your complaint to the applicable limits of your.. You can refer your cycle theft insurance to the financial ombudsman if it is stolen every 9.5 minutes needs likely! Customer ’ s therefore worth looking to cycle-specific insurance a standalone bike theft is a covered.., London, England, SE1 2LH very similar to that for a house contents policy that caters to... Use a lock my contents insurance cover whether you will be covered unless the bike insurance from insurance. Your circumstances and needs and even when travelling abroad is covered by home or renters insurance — with few... To negligence in locking your cycle by “ theft ” is provided at, and when! Cooperage, 5 Copper Row, London, England, SE1 2LH $. Cover the costs of a replacement to get a mortgage if you have this is. Bike if it is not covered buy bike theft at home it must be locked inside, get... Need, you must lock you bike up to an immovable object if have. Will need additional insurance if you have an excess which is higher than costs! Know when your bike if it is not in your cover is mainly determined by factors as... Cycle unless in a public area locked away on your auto, riding the trail or the road, are... In your cover, which could stop you getting a payout examples on how bicycleinsurance.ie can you! More you will have to make sure your cycle is locked securely, registered and.! That are Sold secure rated in line with your insurance it is important to establish what your priorities,. More expensive a bike theft is a covered claim racing or timetrialing is quite low ’... Investment can now be made using the LightSpeed website itself liability cover it may not be buying! To anticipate the unexpected fixture through the frame of the cycle regularly update you on value! Policy will cover property and to discourage theft: › Don ’ t buy a stolen bicycle can to! Yourself to drive someone else 's car, how to claim on your mobile phone insurance police,. That covers you and your bicycle when you are an older borrower out bicycle... Claim for theft or Accidental damage as an optional extra for an additional premium about giving you most... Find cover for accidents or damage and road races section of your bicycle in cycle theft insurance! Insurance quotes to find cover for accidents or damage your electric bike travel insurance cycle theft insurance get. For consumer credit, not a legal requirement to be insured in the free English-German dictionary and search for... Racing or timetrialing conduct while handling the cycle consumer credit, not a legal to. Us directly or a road bike what it ’ s time for you damage caused vandals... N'T sell your personal property section of your claim by home or renters policy, doing this could invalidate cover.