Frequently Asked Questions

Something you are unsure on? Take a look at our FAQs and if you're still unsure why not contact us directly, we're more than happy to help

Do I need bicycle Insurance?

Do I need bicycle Insurance?

With a Cycler policy, we offer cover for your bicycle so whether you are in the house or out on a ride, your bicycle will be protected. Our product covers damage and theft, personal accident, public liability, cycle breakdown, accessory cover as well as keeping you covered across the globe (limitations apply). We also offer cycle hire while you are without your bicycle and competing cover.

Is bicycle insurance good value for money?

You should always check that the cover and benefits are good value for money, and you should always shop around to get the best deal.

Do remember, value isn’t always just price, it’s cover, benefits, service, peace of mind and knowing who’s got your back when you need it most. Here at Cycler, we pride ourselves on giving customers very comprehensive bicycle insurance cover. If something happens and you need us, we offer outstanding customer care and a quick claims service - our customer reviews speak for themselves.

Am I already covered under my home insurance?

Your bicycle might be covered under your home insurance, but the cover is unlikely to cover all of your needs and could leave you without your bicycle for a considerable amount of time as home insurance claims can take a while to resolve. 

Home insurance isn’t designed with your bicycle in mind, so is unlikely to cover you for personal accidents, theft away from the home and public liability. Furthermore, if you claim on your home insurance, the excess you may be required to pay could be higher than the cost of having separate bicycle insurance. Naturally, your contents insurance premium may then increase when your policy comes to renewal because of the claim you made.

Please make sure you view the benefits and cover of our bicycle insurance policy before you make a decision. If you’re not sure, give us a call and we’ll help explain our cover options further.

What bicycles do you insure?

We insure road bikes, mountain bikes, tandems, gravel bikes, BMX and electric bikes (not scooters mopeds or motorbikes).

Should I get bicycle insurance?

Could you afford to simply replace a stolen or damaged bicycle out of your own pocket? Is it worth insuring? Could you be without it? If your bicycle is an integral part of your life, you may wish to get bicycle insurance cover that ensures you’re back up and running as soon as possible.

Who are Cycler?

Who are we?

We're an insurance intermediary dedicated to cycle insurance, helping our customers look after what they love.

Who is the insurer?

The Insurance Underwriter is Bspoke and Watford Insurance Company (Europe) Ltd.

How do I make a complaint?

We’re committed to offering outstanding customer service and we’re proud of our fantastic customer reviews. However, if you feel that we haven’t lived up to these high standards, we’d love to hear from you and have the chance to make things right.

To make a complaint simply log into your customer area

Alternatively, you can call us on 01206 688097 or you can email us at [email protected]

Does the Financial Service Compensation Scheme apply?

If Cycler Insurance, Bspoke and Watford Insurance Company Europe Limited cannot meet their obligations, you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS). You can get more information about compensation scheme arrangements from the FSCS or visit

Insurance Cover

Am I covered for incidents that occurred before my policy started?

No. Any incident before your bicycle insurance start date is not covered and any attempt to make a claim under these circumstances is an act of fraud and is taken very seriously with all cases reported to the relevant authorities.

How do I cancel my policy?

You have the right to cancel this policy within 14 days of the date you purchased the policy and receive a full refund, less any administration fee, unless you've made a claim in which case the full annual premium would be payable.

If you wish to cancel the policy after 14 days, we will provide a refund, less a proportionate charge for any cover already provided and an administration fee, unless a claim has been made or there has been an incident likely to result in a claim.

Where a claim has occurred or there has been an incident likely to result in a claim no refund of premium will be provided. If you pay for your policy by monthly instalments, you must pay the remainder of your monthly instalments or pay the remainder of the annual premium in full.

Can my policy be cancelled by Cycler?

We may at any time cancel any insurance policy by giving 14 days' notice in writing, where there is a valid reason for doing so such as failure to pay for your policy or if we suspect fraud. A cancellation e-mail will be sent to you at your last known e-mail address. If we cancel your policy, we will provide a refund of your premiums less a charge for the cover already provided and an administration fee, unless the reason for cancellation relates to fraud.

How long do I have to upload an image?

Within 14 days of policy inception, we will require you to upload original (not altered or re-named) images of the insured gear to the Cycler customer area. The pictures must be taken and uploaded within 14 days of policy inception and prior to any registered claim. Cover will only be provided for the items that we’ve received a picture for which clearly show the make, model and condition of the items being insured and were clearly taken prior to any claim and after policy inception.

If you are unable to upload an image within 14 days, please get in contact with us – we have multiple ways in which you can share these images with us.

What counts as a Gold/Diamond Sold Secure lock?

A Gold or Diamond Sold Secure lock meeting the appropriate gold standard category for cycles. For more information, please visit Sold Secure at

Is my bicycle covered at home?

Your bicycle will be covered at home for accidental or malicious damage and bicycle theft as long as the bicycle is under your personal supervision, kept inside your home while locks and alarms are in operation, stored within a private garage, or secured by an approved lock to an immovable object within the building.

Is my bicycle covered outside the home?

Your bicycle will be covered outside the home for accidental or malicious damage and theft of the cycle. Theft shall only be covered where the cycle is: under your personal supervision; or secured to an immovable object by an approved gold/diamond sold secure lock through the frame to an immovable object and any theft of the cycle is a direct result of the use of force and/or violence. If the cycle is unattended within the boundaries of a train station, bus station, coach station or your permanent place of employment, this must be for no more than 24 hours and subject to conditions above.

Is the bicycle covered on or in a vehicle?

Theft, while your bicycle is in or on a vehicle, shall only be covered in circumstances where all doors, windows and other openings are left closed, the bicycle is securely locked and properly fastened and where the theft of the cycle is a direct result of the use of force and violence; and any security devices installed in the vehicle and cycle rack are in operation; and the cycle is stored out of sight or is secured through the frame by an approved lock to the roof or cycle rack attached to the vehicle. 

The vehicle must have valid motor insurance, a valid MOT certificate and current road tax. All windows must be capable of being securely fastened and locks must be capable of rendering the vehicle secure.

Will I be offered bicycle hire?

We will pay up to £25 per day, up to a maximum of 10 days during any one 12 month period toward the hire of an alternative cycle from a registered cycle hire business or cycle retailer, whilst you are awaiting repair or replacement of your cycle when it is the subject of an approved claim with us.

Am I covered abroad?

With your Cycler policy you are insured abroad for any 31 day trip period, not exceeding 90 days annually. Public Liability and Personal Accident cover are only available in the U.K and Eurpoe, Europe is defined as the following countries: Andorra, Austria, Balearics, Belgium, Bulgaria, Canary Isles, Corsica, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Sardinia, Sicily, Slovakia, Slovenia, Spain, Sweden, Switzerland, and Vatican City.

Purchasing Insurance

What documents will I receive when I purchase bicycle insurance?

You will immediately receive your policy schedule, policy terms and conditions, and your insurance product information document (IPID). Please check your schedule to see what cover you have purchased, if there’s an error or an issue just get in touch.

Does it matter where I bought my bicycle?

No, providing you have proof of ownership to evidence that the bicycle belongs to you and you therefore have an insurance (financial) interest in the item in order to make a claim.

Is there an age limit for a bicycle I want to insure?

You can insure any aged bicycle but any claim value will be based on it's age and when you first purchased it. Check the terms and conditions for limitations and our depreciation scale for older bikes and bicycles not purchased as new.

If I arrange to repair my bicycle myself, will you pay for the cost?

Yes, provided we’ve approved the claim and the costs presented to us by way of a quotation. We do not pay for unauthorised repairs. We also need to be able to assess the damage to make the right decisions on whether to repair the bicycle, send you a replacement or allow you to arrange the repairs yourself.

Making a Claim

How do I make a claim?

To make a claim simply log in at call our friendly team on 0206 688097.

What documents and information will I need to make a claim?

You will need your proof of purchase for your bike and accessories and the lock used along with evidence of the claim (pictures from the scene of the theft/accident).

My Bicycle was stolen and I’ve bought another one. Will you reimburse me for it?

Unfortunately, our bicycle insurance doesn’t work that way. If your bicycle has been stolen, you must report the theft to the police to get a crime reference number. Once you’ve completed this you can report the claim to us and we will complete a full claims assessment and we will issue you with the cost of a replacement bicycle up to the value that you insured it for. You have the insurance to cover the cost, don’t spend your own money unnecessarily as we won’t be able to reimburse you if you don't follow the claims process.

Do I need to report the theft or loss of my bicycle to the police?

Yes, you will need to report the theft of your bicycle to the Police within 48 hours of discovery. You will need to obtain a crime reference number in order to support a theft claim.

Is there an excess fee?

We try to keep our Excess levels really straightforward. The excess is stated within your policy schedule.

What happens if I give false information?

We rely on you to provide true and accurate details when you take out bicycle insurance with us and when you report any claim to us. If false, inaccurate or misleading information is provided to us at any time this could invalidate your policy and any claim that you make. 

You need to be aware that we take fraud very seriously. We have measures in place to detect and deter fraud. We pass any information we have to fraud agencies, the Police and other insurers. We will always prosecute if fraud is proven.

Is there a limit to the number of times I can claim?

No, not with Cycler bicycle insurance.


How Do I Renew My policy?

Renewing your bicycle insurance is simple. If you’re paying monthly and annually we’ll ensure you have a continuous cover by auto-renewing, unless you advise us otherwise. The payments will be collected via your stored payment card details, don’t worry, before renewing your insurance we’ll write to you with the renewal terms, policy and schedule. If you don’t wish to renew your bicycle insurance policy just get in touch on 01206 688097 or e-mail us at [email protected]

Will I receive renewal documents?

When we send your bicycle insurance renewal invite your insurance schedule, IPID (insurance product information document) and policy terms and conditions will be included. 

These documents are also stored in your Cycler customer area, which you can log on to at any time.

I haven’t received a renewal invite?

Our renewal process is automated, if you haven’t received your bicycle insurance renewal invite, just get in touch or login where you can view all of your policy and renewal documentation.

How Can I Pay for my Bicycle Insurance renewal?

We’ll automatically collect your premium for the bicycle insurance policy renewal unless you’ve told us not to. We’ll use the stored payment card details to collect the renewal premium. If your payment card or details have changed, just log in to amend your payment details or get in touch at [email protected] or 01206 688097.

No Claims Discount

If you've made no claims during the annual period of insurance you'll earn a no claims discount at renewal. Don't worry, this will automatically be applied to your premium.

Our no claims discount scale is generous and unique in the bicycle insurance market and applies as follows:

  • 1 Year claim free - 5%
  • 2 Years claim free - 10%
  • 3 Years claim free - 15%
  • 4 Years claim free - 20%
  • 5 Years claim free - 25%

Our no claims discount is subject to change but any changes / updates will be applied here

Customer Area

What is the Customer Area?

This is an area of our website designed for you. It is the place you can access and update all of your personal details and your billing information. You can view your bicycle insurance policy schedule, the Insurance Product Information Document (IPID) and the policy wording (T&Cs).

You can upload your images, report a claim, make contact with us and if needed send a request to cancel your policy.

How Do I Access the Customer Area?

You can log in using your mobile phone number or an email address. We will send you a 6-digit code to enter.

What can I do if I cannot log into the Customer Area?

You can send an email to the customer support team, [email protected], just give a brief description of the problem and we will help you out.


How do I make a complaint about Cycler?

Call us on 01206 688097 or you can email us at [email protected]. Alternatively, you can log into your customer area and make a complaint there by visiting

How do I complain about the handling of a Personal Accident claim or a Public Liability claim?

We use a specialised business called Kennedys Solicitors for all Personal Accident & Public Liability claims. You can contact the Kennedys team on 0113 531 4496 or email them at [email protected], use reference number 20263A.

Who do I contact if I need to make a complaint about claims?

Contact Davies Group, our Claims handlers, by calling 0333 400 9044 or email Davies Group at [email protected]

My question isn’t on the FAQs?

Sorry about that, we’re always reviewing and updating our FAQ’s. Just email us at [email protected]. We aim to answer emails quickly, even at the weekends and during the evening. 

Alternatively, you can call us on 01206 688097 between 9 am & 5 pm Monday to Friday. Our phone lines are closed at the weekend, but you can still e-mail us.