Personal Insurance

• Car & Motor
• Home Insurance
• Home Insurance
• Tenants Insurance
• Pet Insurance
• Bicycle Insurance
• - Cover
• - Principle Exclusions
• - Guarantee
• - Client Information
• Musical Instrument Insurance
• Mortgages
• Student Insurance
• Travel Insurance
• Landlords
• Life Insurance
• Mortgages
• Critical Illness
• Permanent Health

Bicycle Insurance

Principle Exclusions

• The equivalent of the first 10% of the cost of each and every claim subject to a minimum amount of £10 and a maximum amount of £50.
• Professional use.
• Theft or damage to the bike if left unattended unless locked to an immovable object using a lock approved by us or kept in a locked building.
• Theft or damage if the bike is left outside at any time between 11pm and 7am. Cover will only be extended if you have secured your bike using a lock approved by us and either the saddle or the front wheel has been removed.
• Following a theft - in order to prove a claim it will be necessary for the lock key, and/or remains of lock and/or proof of lock purchased to be produced.
• Theft or damage to accessories unless the bike is stolen or damaged at the same time.
• Any bike left in one location outside of a locked building for a period of 24 hours or more will be classed as abandoned and will not be covered, unless stored in designated cycle storage on campus for no more than 30 days.