The main Pedalsure limits, rules and exclusions are on this page, in plain English. Our main policy, Theft and Accidental Damage, covers your bicycle or e-bike against theft, accidental damage and malicious damage, at home and away. Claims are settled new for old. Your Policy Document and Policy Schedule together make up your contract. Your Policy Schedule shows the cover you've chosen.
| Cover | Theft and Accidental Damage | Theft Only |
|---|---|---|
| Theft | ✓ | ✓ |
| Accidental and malicious damage | ✓ | ✗ (including damage during a theft or attempted theft) |
| Replacement bike hire | Up to £500 a year | Up to £500 a year |
| Hire if an airline delays your bike abroad | ✓ | ✗ |
| Add-ons available | All | Personal Accident, loss of earnings and Personal Liability only |
Your cover type applies to every bike and item on your policy. If your Policy Schedule doesn't state a cover type, Theft and Accidental Damage applies.
Changing from Theft Only to Theft and Accidental Damage: damage cover starts 14 days after the change, and doesn't cover damage that happened or existed before then. The same applies if you cancel Theft Only and buy Theft and Accidental Damage for the same bike within 30 days.
| Add-on | What it covers | Theft and Accidental Damage | Theft Only |
|---|---|---|---|
| Personal Accident (Bronze, Silver, Gold) | Benefits if you're injured riding | ✓ | ✓ |
| Loss of earnings | Weekly benefit if an accident stops you working | ✓ | ✓ |
| Personal Liability | Compensation you're legally liable for, up to the limit on your Policy Schedule | ✓ | ✓ |
| Accessories and personal possessions | £250, £500 or £1,000 | ✓ | ✗ |
| Worldwide cover | 30 or 60 days a year | ✓ | ✗ |
| Competition cover | Organised events where a winner is selected | ✓ | ✗ |
Personal Accident and Personal Liability cover the named policyholder only. Personal Liability doesn't pay if you have liability cover from another source, such as a cycling club or your home insurance. It doesn't cover riding in the USA or Canada.
| Benefit | Bronze | Silver | Gold |
|---|---|---|---|
| Accidental death, loss of sight or limbs, permanent total disablement, paraplegia, quadriplegia | £10,000 | £25,000 | £50,000 |
| Loss of use of a shoulder, elbow, wrist, hip, knee or ankle | £7,000 | £15,000 | £30,000 |
| Loss of hearing, both ears / one ear | £10,000 / £2,500 | £20,000 / £5,000 | £30,000 / £10,000 |
| Loss of speech | £5,000 | £10,000 | £20,000 |
| Broken skull or shoulder / arm or leg | £500 / £250 | £1,250 / £500 | £2,000 / £750 |
| Physiotherapy | Up to £500 | Up to £750 | Up to £1,000 |
| Emergency dental treatment | Up to £500 | Up to £750 | Up to £1,250 |
| Out-of-pocket expenses | Up to £200 | Up to £300 | Up to £500 |
| Hospital stay (each 24 hours, up to 30 days) | £50 | £50 | £50 |
Loss of earnings (optional): a weekly benefit up to the amount on your Policy Schedule (no more than 75% of your average weekly wage), for up to 52 weeks from the date of the accident. Nothing is paid for the first 14 days.
Benefits are paid only if the injury results in a listed outcome within 12 months of the accident. We pay one death or serious-injury benefit per accident. The main exclusions are alcohol or non-prescribed drugs, pre-existing medical conditions, psychiatric conditions, not following medical advice, stunts, professional racing (other than time trials), and competitions without competition cover.
We decide whether to repair or replace your bike, or pay you the cost. Usually a specialist dealer we choose repairs or replaces it and invoices us directly. If we don't repair or replace it, we pay you in cash, less your excess.
Bike claims have an excess of £75 or 10% of the claim, whichever is greater, for each bike. Your excess is shown on your Policy Schedule. Personal Accident has no excess, but loss of earnings isn't paid for the first 14 days.
We won't pay a claim if the security requirements weren't met, unless you can show the failure couldn't have increased the risk of the loss or damage that happened.
The lock you need
| Bike's sum insured | Approved lock |
|---|---|
| £1,000 or less | Sold Secure Silver, Gold or Diamond, or a Thatcham-approved motorcycle lock |
| Over £1,000 | Sold Secure Gold or Diamond, or a Thatcham-approved motorcycle lock |
A cable used with a lock isn't an approved lock. See the Approved Lock List. The Hiplok DX meets the lock rule at any bike value. Customers get up to 40% off Hiplok locks.
Where your bike is
| Where | Rule |
|---|---|
| Inside your home | Thieves must have forced their way in. Any security devices must be working. |
| Private garage, shed or outbuilding | Forced entry. Garage doors Secured by Design. External doors with a BS3621 5-lever deadlock, an approved lock or a CEN 4+ padlock. Bike locked through the frame with an approved lock to an immovable object inside. A Secured by Design metal shed needs no extra lock. |
| Communal hallway or bike store | Forced entry. Bike locked through the frame with an approved lock to an immovable object. |
| Away from home, including your garden, driveway or a bike hangar | If unattended: locked through the frame to an immovable object with an approved lock, and the thief forced the lock or the object. No more than 12 hours, or 24 hours at work or in a station cycle rack. |
| In or on a vehicle | One bike only. Inside, out of sight, the vehicle locked and broken into; or locked through the frame with an approved lock to a fixed roof or bike rack. Between 9pm and 6am the vehicle needs a Thatcham Category 1 alarm/immobiliser, Category 2 immobiliser or Category 3 steering lock. Outside the UK, it needs a factory-fitted alarm or immobiliser. |
Photos: upload a photo of each insured bike within 30 days of buying your policy, or your cover may be invalid.
We cover e-bikes that are road-legal electrically assisted pedal cycles (EAPCs): broadly, a motor of no more than 250 watts that stops assisting above 15.5 mph. There's no cover for an e-bike that isn't an EAPC or is treated as a motor vehicle. Twist-and-go e-bikes are covered only if the throttle works in walk mode only. A battery, charger or display stolen on its own is covered only if the bike was stolen too, or the battery was locked to the bike and forced out.
Sportives and charity rides where no winner is selected don't need competition cover. Organised cycling or triathlon events where a winner is selected need the competition add-on, available with Theft and Accidental Damage. With competition cover, Personal Accident also covers the swim and run in a triathlon. Your bike meets the security rules while it's in the transition area of an organised triathlon or duathlon you're taking part in. Professional racing (other than time trials) and stunts aren't covered.
You're covered in the UK, the Channel Islands and the Isle of Man. With Theft and Accidental Damage, add worldwide cover for 30 or 60 days per policy year. On flights, your bike must be in a hard or rigid bike box with an airline luggage receipt.
These are the main exclusions. Your Policy Document has the full list.
Your bike
Personal Accident: pre-existing conditions, psychiatric conditions, alcohol or drugs, stunts, professional racing (other than time trials), and competitions without competition cover.
Personal Liability: business use, injury to your family, riding in the USA or Canada, motor vehicles, and anything already covered by another policy.
Your policy is annual. Cancel within 14 days of buying it, or of receiving your documents if that's later, for a full refund. After that, you get a refund for the time left, less an admin fee of up to £20. Both apply only if no claims have been made or are pending. If you received a gift with your policy, we may reduce your refund by its retail value.
Arranged by Pedalsure No. 3 Limited, an Appointed Representative of Pro MGA Solutions Ltd (FCA 770419). Underwritten by Dukes House Insurance Limited, which is regulated by the Guernsey Financial Services Commission (2522730). Dukes House isn't covered by the Financial Services Compensation Scheme (FSCS). The two companies are under common ownership.