Existing policy holders

An electric bike, or an eBike, is an ‘electrically assisted pedal cycle’ (or EAPC). An eBike has a motor, usually either in the bottom bracket between the cranks or within the rear wheel hub, which is used to assist the rider when needed.

In order to be classed as an electric bike, an eBike cannot be subject to the UK Road Traffic Act requirements. We can cover eBikes that meet the following specification:

• Any electrically-assisted pedal cycle (EAPC) that must still be powered by human pedalling and is only being assisted by electrically-motored power
• Does not require any key or ignition switch
• Has a motor with a maximum continuous rated power of 250W
• Has a motor with a cut-off, when unassisted at 3.7mph
• Has a motor with a cut-off, when assisting whilst being pedalled at 15

We are unable to cover any form of speed pedelec, speed eBike, e-scooter, e-moped or e-motorbike. We can only cover an EAPC / eBike if it is being ridden by someone aged 14 or over.

Yes! If you’re taking part in an upcoming cycling event, then our Race and Compete option means that you can cover up to £200 of cycle clothing that is lost or damaged in a transition area. Include any of your cycle related clothing and equipment in our Accessories Cover and you can cover up to £2,500 worth of kit against theft and accidental damage.

Yes, we can cover yours and your family’s bikes on one policy, which will automatically include your Multi-bike Discount, with a maximum combined value of £20,000. If you're looking for insurance for triathlon bikes over this amount, then please contact us by either:

• Phone: 0333 004 3444
• Email: support@guardcover.co.uk

If your policy start date is from the 1^st March 2022 onwards:

We will reimburse you or a member of your family for the cost of a single taxi journey, up to a maximum of £200, to your onward destination or insured location with your insured bicycle, if you are unable to complete your cycling journey in the event of:

• the theft of the insured bicycle, or
• accidental damage to the insured bicycle, or
• irreparable breakdown of the insured bicycle, or
• irreparable puncture to the insured bicycle, or
• an injury whilst cycling the insured bicycle.

Cover applies within the United Kingdom only, and for incidents that occur more than 1 mile from our insured location. A valid receipt from a registered taxi company will be required as proof of expenditure, which can be included within your claim.

If your policy start date is before the 1^st March 2022:

You will receive a contact number for "Call Assist" the recovery breakdown providers. We would recommend that you store this number on your mobile phone or in an accessible place when you are out cycling. Call Assist have over 1,500 recovery agents and will despatch the nearest one to recover you and your bike. They will then travel to your location and transport you to the nearest one of the following:

• A suitable cycle repair shop
• An appropriate railway station
• A car rental agency
• The nearest overnight accommodation
• Your home

Your bike will be covered for use by other members of your family. A family member means parents, spouse, partner, siblings, or children / step children, but only when living at the same insured location (where your insured bike(s) is usually kept, which should also be your main place of residence).

Our Race and Compete cover option will also extend accidental damage cover to riders at the same cycling or triathlon club.

The value should be the current, new undiscounted cost including VAT from a reputable dealer at the time you apply. End of season offers, and bargains do not count as the usual price.

We are able to offer a quotation up to a maximum value of £20,000 for individual bikes or multiple bicycles. You can insure up to 10 bicycles on one policy providing the total value does not exceed the £20,000 limit.

If you have a bike or bicycles over that value, we may be able to offer you a quotation. You can either call us for your individual quote on: 0333 004 3444, or alternatively you can email us at: support@guardcover.co.uk

Yes. You must be a UK resident and domiciled in the UK.

Yes, the excess amount will depend on the type and value of the claim.

• Claim amount is under £1,500 = excess of £50
• Claim amount £1,500 to £2,999 = excess of £100
• Claim amount £3,000 to £4,999 = excess of £150
• Claim amount is over £5,000 = excess of £200

For Public Liability claims, the first £500 of each claim arising from damage to third party property.

Yes, you can make changes to your policy by simply logging in to your online account here, or by calling us on: 0333 004 3444

You can add or delete insured items and change some aspects of your policy. Note that additions will incur additional costs. Additional premiums are charged on a pro rata basis from the date of change. Any cover options that you choose can only be added or removed when you first buy the policy or at renewal.

The minimum age for the main policyholder is 18. Public Liability and Personal Accident cover (if you have chosen to include this on your policy) will only apply to anyone aged 16 or over at the time of any incident, and total permanent disablement cover is only available for anyone aged 65 or under.

You must disclose any criminal convictions which have not been spent under the Rehabilitation of Offenders Act 1974. If you are in any doubt as to whether this applies to you, you should call us to discuss your individual circumstances.

You need to tell us about any cycle related losses or claims you have had within the last three years, whether insured or not. It is important that you make an honest disclosure of any previous claims or losses, as this could invalidate your cover.