We believe cycle insurance should be as easy to understand as it is to buy, that’s why we put transparency at the heart of our products and services.
Like most types of insurance, bicycle insurance has certain conditions which customers need to be aware of before deciding to purchase a policy. These conditions relate to:
It’s important to understand who’s covered by your cycle insurance policy to ensure both your bike and any individuals are covered in the event of an incident.
Spinsure policies cover all direct family members that permanently live at your home address AS STANDARD, with no upper or lower age restrictions with the exception of Personal Accident Cover, which only covers family members between the ages of 16-65.
For full details on who is covered under our cycle insurance policies, please refer to our policy wording.
Cycle security and storage
It goes without saying that no one wants their bicycle to be stolen, and most of us understand the steps we can take to prevent or deter thieves from targeting our bikes. That being said, there are specific measures that you must take in order to be covered by the majority of cycle insurance providers.
Use an approved lock
Your cycle needs to be secured using an approved Sold Secure lock when away from your home, and in some cases when stored at your home. We have created a handy approved locks guide to explain what they are and what you require, so please read this information prior to purchasing.
Secure your bike properly
Depending on whether your cycle is stored in a garage, shed or landing, cycle insurers require your bicycles to be secured in a certain way in order for them to be covered. Please read our article on safeguarding your bike against theft for further information on how to store your cycles, or refer to our policy wording for full details.
In order to buy a cycle insurance policy, we need you to provide the frame numbers of each cycle you wish to cover. This is important as it both speeds up the claims process and enables us to clamp down on fraud. Please read our bicycle frame number guide for information on what a frame number is and where to find it.
For full information about our policies and what’s covered, please read the documentation below. If you have any questions, our team are on standby to help in any way we can.