Sports and competition bike insurance

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

Sports and competition bikes are not limited to one specific type of bike. The type of cycling competition you are involved in, will determine the type of bike you will need. Cycling competitions can range from:

• Mountain bike racing
• BMX / Freestyle BMX
• Cyclo-cross
• Triathlons
• Time-trials
• Cycle speedway
• Track cycling
• Road bike racing

When considering the type of bike you will need for your competitions, it’s always good to consider:

• How long will you be in the saddle for?
• What type of terrain will you be cycling on?
• How many gears do you think you will need?
• How thick should your wheels be?
• How heavy should your bike frame be?

With our Race and Compete cover, we can cover up to £750 in race fee costs if your bike race has been cancelled due to poor weather conditions, or even if you’ve had to drop out unexpectedly because of:

• Injury or illness
• Cancellation of leave for national forces or emergency services workers
• Or if you’ve made a claim with us that is still being processed

Proof of your entry fee is needed when making a claim and pre-planned leave will not be covered.

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 sports and competition 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 sports and competition 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 sports and competition 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 sports and competition 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.