Folding bike insurance

We can cater for any folding bike that fits in to our definition of a bicycle, so whether it’s a small-wheeled folder, a normal-wheeled folder, Brompton or Hummingbird, we can provide you with the cover that you need. If you are unsure about your bike model, give us a call so we can make sure you have the right cover in place.

Folding bikes are becoming stronger and lighter as the technology develops; however, the weight of your folding bike will most likely depend on what it is made from. Generally, the more high-end folding bikes such as Brompton or Hummingbird are very light as they use materials such as aluminium or have a carbon frame and can weigh anywhere between 6.9kg (Hummingbird Single Speed) to 12.14 kg (Brompton M6L Racing Green - Battery lighting).

Cheaper folding bikes made from materials such as steel, or have thicker frames or contain more moving parts and can weigh as much as 20kg.

There are various types of folding bikes, that collapse in different ways, with most modern folding bikes takeing less than a minute to collapse. These are just some of the types of folding bikes we can cover:

• Half or mid-folding bikes
• Vertical folding bikes
• Triangle hinge folding bikes
• Suspension folding bikes

If your policy start date is from the 1st 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 1st 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

Folding bikes were essentially designed for commuters or for those needing a compact bike that was easy to store. Because of their compact size and unique design, some might argue that folding bikes can get a little uncomfortable on long rides.

For cyclists who enjoy the thrill of mountain biking or competitive riding, maybe a mountain bike, road bike or even a triathlon bike is more suited for your needs.

Yes, we can cover any type of electric folding bike if it meets 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 15.5mph

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 / electric folding bike if it is being ridden by someone aged 14 or over.

Public Liability is known by a couple of different names, personal liability or Third Party Liability. It provides cover against damage to persons or property caused by your proven negligence. At cycleGuard, we will pay up to £5million to indemnify you or a member of your family against legal liability for accidental bodily injury or death to any person or accidental damage to third party property which arises from use of your folding bike. Cover is available for those aged 16 or older.

It's particularly important that you have proof of ownership of any major folding bike parts and locks. Proof of this could be packaging, manuals or photo of all the relevant parts, clearly showing the make (and model if applicable) of that item.

In addition, bank or credit card statements can be provided and, on some occasions, retailers may be able to provide duplicate receipts for larger purchases.

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 folding bikes over this amount, then please contact us by either:

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

Your folding 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 electric mountain bike cover is only available to cyclists aged 14 years or over.

Our Race and Compete cover option will also extend 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 folding 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 folding 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.