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We offer two complementary bicycle insurance products for UK customers. Bicycle Insurance provides UK customers with complete cover for all their bikes worldwide, including crash damage and theft, alongside numerous other benefits as standard. Our Travel Insurance covers medical expenses and repatriation in the event of an accident abroad, on top of lots of other features you’d expect from a travel insurer.
Your bicycle, including its wheels, are covered against loss, theft and damage in transit, so long as they are securely packaged within a bicycle box or bicycle bag, and you have retained the receipt from the airline confirming your bicycle was checked. The standard policy excess will apply. We also provide travel insurance for cyclists separately, covering you for emergency medical care and repatriation while racing and riding, together with features like trip cancellation and curtailment cover. Our cover is designed to help you head off abroad and enjoy every minute of your trip without worry.
If you choose our annual performance or ultimate bicycle insurance policies then yes, your bicycle will be covered against theft and damage abroad. Ultimate is valid globally up to 120 days at a time, and PErformance is valid within Europe up to 30 days at a time. Our essentials policy does not cover taking your bike abroad.
With performance and ultimate you can take as many trips of up to 30 or 120 days as your boss will give you the time off for. Please note, however, that public liability cover is not provided in the USA or Canada.
Yellow Jersey’s Bicycle Insurance is designed to protect your beloved bikes against theft or damage while riding and competing, and not as an alternative to travel insurance. We do also offer cycle travel insurance which includes – among many other benefits – cover for emergency medical expenses and repatriation while cycling and competing abroad.
Yes, you can take out a short term Performance or Ultimate Bicycle Insurance policy to cover your hire bike abroad. You would just need to know the make and model of the bike you are hiring as well as the retail value of the bike. Your hire agreement with the company forms your proof of ownership in the event of a claim.
Yellow Jersey’s Cycle Insurance is designed to cover your beloved bicycles against theft, or damage while riding and competing – and not as an alternative to travel insurance. To give you more extensive cover overseas, we created our cycle travel insurance which includes – among many other benefits – cover for emergency medical expenses and repatriation while cycling and competing abroad.
The key concern in this instance is what you have chained your bike to. If you leave your bicycle unattended away from your home we will cover bicycle theft and malicious damage providing your bicycle has been locked through the frame to an immovable object. The lock must be approved by Sold Secure and appropriate for the value of your bicycle. If you’re not sure about your lock, consult our blog on locks and security. As for timescale, the bicycle can be left unattended for up to 12 hours. This is extended to 48 hours within the transition area of a competitive organised triathlon event.
Of course, this is no problem. All you have to do is send us an email containing your policy number and details of the Cycle to Work scheme provider and we will note their details accordingly on your bicycle insurance.
Firstly, congratulations – you must be pretty speedy! So long as you’re not deemed a professional or semi-professional rider, you’ll be pleased to know that races with cash prizes are fully covered by our bicycle insurance.
Professional or semi-professional athletes – who derive part or all of their income from activities involving the use of a bicycle (e.g. a cyclist, triathlete or duathlete) – are not covered by the standard Yellow Jersey Cycle insurance policy, unless we have given you written consent.
We do provide insurance to a number of professional race teams and individuals, but this must be agreed with us in advance. Essentially, the cover provided for amateur riders is the same as we provide for our professionals – you just need to let us know you’re a pro.
The level of cover is dependent on the policy that you chose. Under our essentials policy you can obtain bicycle insurance for a single bicycle up to a maximum value of £1000, but maximum total cover for all your bicycles and accessories is up to £3000. For our performance coverage, the single bike limit is £3000 and your maximum total cover for all bicycles and accessories is £10,000. Whilst if you go for the ultimate package, our single bicycle limit is £15,000 but the maximum total cover for all your bicycles and accessories stretches to £50,000. When adding accessories to any of these policies, the first £250 of their value is already included as standard.
If your bike is held within the transition area of an organised sporting event – i.e. between sections at a triathlon – it is not required to be locked as it is not deemed to be abandoned or unattended. Your bicycle, wetsuit and helmet are all covered against theft and accidental damage while in transition zones.
You can take out bicycle insurance on up to 15 bikes on a single policy, just as long as the total combined value of the bicycles and accessories does not exceed £50,000 and the bikes are all owned by you, or for which you are legally responsible.
The standard excess for our bicycle insurance policy is 10% up to a maximum of £100 for theft or accidental damage. But unlike most bicycle insurers, there is no excess on third party claims made against you. Isn’t that nice?
Our bicycle insurance will only cover you if you lend it to a member of your immediate family. That means your parents, spouse, partner, son, daughter or siblings, who permanently live with you.
Public liability insurance provides cover against damage to persons or property caused by your proven negligence, such as an injury you cause to a pedestrian or damage that you may do to a vehicle while riding a bicycle insured with us. While we love safe cycling and hope you’re never in a situation like that, our policy provides up to £2 million of liability cover as standard, and we charge no excess on this service. Please bear in mind, though, that public liability cover is not provided in the USA or Canada.
We’ve all been there – an inopportune mechanical that leaves you stranded with a busted bike and no way of getting home. It’s a cyclist’s nightmare. If while cycling in the UK you should be unfortunate enough to suffer a mechanical breakdown, or be involved in an incident which damages your bike, preventing you from completing your journey, you’ll be able to call a taxi to take you to one of the following destinations:
1. The nearest suitable cycle repair shop, or
2. The nearest appropriate railway station, or
3. The nearest car rental agency, or
4. The nearest overnight accommodation, or
5. The Insured Location, if closer
You will then be able to submit a claim for the taxi cost, up to 150 GBP per event, you can’t make more than three claims per period of insurance, but if your bike breaks down that many times it might be time to switch mechanics.
Our bicycle insurance will cover any bike, including; road, mountain, cyclocross and time trial as well as tricycles, tandems, trailer cycles or push scooters. Essentially, any bicycle covered by Yellow Jersey must be powered by human pedalling and/or batteries. We are unable to cover bikes which fall under the requirements of the Road Traffic Act such as motorcycles, mopeds or scooters.
If serious injury or illness prevents you from attending an event as planned, our bicycle insurance policy provides you with race entry fee cancellation cover. You can find out more about other circumstances where the cover may come into effect – and a full list of requirements/exclusions – in section 6 of our policy wording. An insurance policy must have been taken out with us before the incident which prevents you from entering a race or event.
Our personal accident cover is provided as standard and compensates you or your family members if you’re involved in a serious accident while using a bike specified on your policy. We will pay up to £20,000 per person for injuries including; death, loss of limb, loss of sight, or permanent total disablement. Please note cover will not be provided for anyone under the age of 16 or over the age of 85. Also, anyone over the age of 65 is not covered for permanent total disablement.
Unfortunately, our bicycle insurance is only available to UK customers, although we plan to make our fantastic product available outside of the UK very soon.
First question: yes! We do indeed offer push bike insurance. Question number two: the push bike (or hobby horse) was invented by Baron Carl Von Drais in 1817 and is considered the ancestor of the modern bicycle. Riders propelled themselves just like a bike, but using their feet directly on the ground to push it along. Alas, the push bike did not stick around long, lasting just two years before the pedal cycle was developed. For some reason, many cyclists consider the term ‘push bike’ insulting. On his excellent blog “Roads Were Not Built for Cars”, Carlton Reid issued an impassioned plea for the UK’s Department for Transport to cease using the term “push-bike” to describe the bicycle, arguing that the term, first introduced in 1903, was offensive, old-fashioned and obnoxious. So there you go.
Some bicycle insurance makes it tricky to understand the lock requirements, we believe we have made ours easy and simple to digest. You shouldn’t have to have a UK law degree to understand a bicycle insurance policy so we have create a simple plain English blog. Check out our handy guide to bicycle security in different locations.
If you are leaving your bicycle unattended when out and about, or if it stored somewhere not secure, then it will need to be locked through the frame to an immovable object with an approved lock. bicycles worth £1000 or more need a Sold Secure Gold rated bike lock. bicycles worth less than £1000 can be locked with Sold Secure Silver.Sold Secure are a third party rating company who test bicycle locks to see how easy they are to break open. The vast majority of bicycle locks sold in the UK will have this rating, and will usually display their rating proudly on the packaging. If you are unsure, you can check your lock against the database over on their website.There are some lock manufacturers who use terms like Gold and Silver in their marketing but are not rated by Sold Secure. Make sure you look for the Sold Secure logo when buying a bicycle lock.
So long as the lock you use meets the required Sold Secure level for the value of your bicycle, it does not matter which type of lock you use. However, some styles tend to be better than other.D-locks tend to be the strongest. They are very hard to cut and thieves will generally pass them by to find a softer target.Chain locks can come in a very wide rand of quality but are generally easier to bypass than D-locks. They also tend to be quite heavy and best used in unsecure garages where a D-lock might be difficult to get on and off.Cable locks are nice to carry around but are notoriously easy to break. They are best avoided if possible.
In every case we have seen, the D-lock is sold secure Gold and therefore meets our requirements, but the cable is not. Unfortunately, this isn’t always clear on the packaging. So long as the bike is locked through the frame to an immovable object with this D-lock then it is covered under our policy. However, a wheel locked with the cable wouldn’t be covered as they are too easy to cut.
Your bicycle is covered while in a locked vehicle or locked through the frame to an immovable object with an approved lock for up to 12 hours at a time on Essential and Performance policies, or 18 hours on an Ultimate policy. Beyond these limits, we consider the bike to be “abandoned” and it is no longer covered by us.
We offer two complementary insurance products for cyclists. We have 3 tiers of bicycle insurance to cater for different cyclists however our Ultimate Bicycle insurance is best set up for people who are looking to travel with their bike as it provides complete cover for your bikes wherever you are in the world, including crash damage and theft, with numerous other benefits thrown in. Our travel insurance covers medical expenses and repatriation in the event of an accident abroad, on top of lots of other features you’d expect from a travel insurer but it won’t cover your bicycle. In short, from your local lanes to the summit of the Monte Zoncolan, we’ve got you covered.
Yes, our Travel Insurance covers emergency medical care and repatriation while downhill mountain biking, including while taking part in competitive events.
Yes, we want you to be able to enjoy the warm weather and great roads on your training camp with peace of mind, so we will cover you for emergency medical expenses and repatriation if your experience is interrupted by injury or illness.
Yes, Ironman events are covered by our travel policy so you’ll have any emergency medical expenses and repatriation covered should something go wrong.
Yes, you are. If you’re off to the USA you’ll need to make sure you select Worldwide cover including the USA when purchasing your travel insurance. If you’re not planning on crossing the Atlantic any time soon, then consider our European only cover, which is available at a lower rate.
No. Our travel insurance offers cover for your luggage up to a maximum value of £5,000 while it is being transported by the airline, however it won’t cover damage to your bike. For this, you’ll also need to purchase our dedicated Bicycle Insurance. Our Performance bicycle insurance policy will cover you for up to 30 days in Europe and our Ultimate bicycle insurance policy will cover you for up to 120 days worldwide.
Yes. We hope that your only expenses while training or racing overseas will be coffee stops on the beach front, but our travel insurance is designed to cover the costs of emergency medical expenses just in case. This applies to all forms of bicycle racing and triathlon over any distance.
Yes, we hope that it won’t be needed but accidents can happen, so our travel insurance is designed to cover the costs of repatriation due to injury while on holiday – including while riding or racing your bicycle. This applies to all forms of bicycle racing and triathlon over any distance.
If something happens that means your holiday or training camp has to be cancelled (or postponed), our travel insurance will cover you for up to £5,000 where it is necessary and unavoidable. For example, if your tour organiser goes out of business and cancels your trip, the costs would be covered by us. If you changed your mind but could still reasonably take the trip, the costs of cancellation would not be covered by us. We think that’s fair.
First of all, what a bummer! But don’t worry, if you have an annual Ultimate bicycle policy or travel policy, we can provide entry fee cancellation cover if a serious injury or unforeseen illness stops you from attending an event you have entered. Your insurance policy will need to have been taken out with us prior to the incident which prevents you from entering your race, and we will require evidence of the injury or illness from a professional medical practitioner.
It sounds like you’re planning a pretty epic season so we’re pleased to inform you that there is no maximum number of trips on an annual policy. However, no single trip can exceed 60 days away from the United Kingdom. That said, you can take as many as you like, so start booking!
The maximum trip length on our annual multi-trip Travel Insurance policy is 120 days, but you can take any number of trips throughout the year as long as none exceed that duration. To make life easier, our annual cycle travel insurance also includes winter sports cover to save you from having to search around for another supplier when you have already purchased with us. Our maximum trip length for winter sports holidays is 17 days per year.
Ordinarily, our annual travel insurance policy is restricted to trips of up to 120 days at a time, however, if you have reason to extend your trip to longer than 120 days – for some sort of epic touring adventure, for instance – then we might be able to help you out with a tailor-made individual plan. Please bear in mind that it is impossible for you to extend the maximum length of your trip once you have begun.
No, our travel insurance package offers cover for your luggage up to a maximum value of £5,000 while it is being transported by the airline, however it won’t cover damage to your bike. That’s where our dedicated bicycle insurance comes in. Our comprehensive Ultimate Bicycle Insurance policy will cover your bicycle against damage by the airline up to £15,000, together with theft and crash damage, along with a host of other features. Our bicycle insurance even provides cover for your bike box up to £1,000.
We know cyclists love their gadgets and with that in mind, our travel insurance includes gadget cover for up to five items, with a total value of £2,000. This will cover theft from your hotel and accidental damage to any of your devices, including Garmins, cameras, laptops and tablets. However, the gadget insurance is not valid while cycling. To read more about our bicycle insurance, please view our cycling insurance information here.
Yes, absolutely. Active people live active lives, so while the main focus of our cycle travel insurance is cycling, we made sure we also included cover for other sports you might enjoy while on holiday. This was one of the requests that came out of our customer consultations while designing this product. Have a look at our policy wording to see a full list of included sports. Our annual travel insurance also includes winter sports cover, so if you enjoy skiing or snowboarding over the winter, you won’t need to purchase an additional policy.
One of the unique features of our policy is we do not depreciate the value of your bicycle, no matter its age. You should therefore always insure your bicycle for what you paid (whether new or second-hand).
If you underinsure your bicycle, we will simply reduce the settlement value proportionately to the level of underinsurance. This is common practice within most areas of insurance.
For complete clarity, here is an example of how we would calculate a pay-out for an underinsured bicycle.
(sum insured/actual value) x loss = claim sum paid
Price Paid – £2,000
Insured for – £1,500
Bike is stolen
(£1,500 / £2,000) x £1,500 = £1,125
Pay-out to customer is £1,125 less the excess
Our customer service team are always willing to explain this if you need any further clarification.
Yes we do, read our blog about valuing your bike.
You can insure a bicycle you have assembled from parts. You should insure the bike for the full cost of the build; the total cost of the frame and components. If you need to make a claim we will need some form of proof of ownership. This could be receipts for individual components or detailed photographs of the bike prior to making a claim.
The pair of wheels you predominantly use should form part of the total value of the bicycle. Any additional wheels you might have for racing or training should be added to the policy as accessories, the first £250 of which is included as standard.
Fixed accessories which are not critical to the function of the bicycle should be added to the policy as accessories. The first £250 of the accessory value is covered by the policy as standard.Please note that fixed accessories will only be covered if stolen or damaged at the same time as the theft or damage of your bike.
No, if you wish to cover a helmet or clothing you should select either £250 or £500 in cover under the helmet and clothing section.
If you had selected the helmet and clothing cover option when purchasing your policy then you will be covered for your loss up to the sum shown in your schedule. An excess sum of £100 applies.
We no longer collect frame numbers when setting up a policy. If you need to make a claim however, you will need to make certain that you are able to provide evidence of ownership in the form of an invoice / receipt.If you are unable to provide proof of ownership, please get in contact with us, and we will see how we can help.
We have a 14-day cooling off period built into our policies, after which point we are unable to provide refunds on either bicycle insurance or travel insurance policies. If you don’t want or need an annual policy, we also offer short-term cover for periods of 5, 10, 17, and 31 days, so if you only need bicycle insurance or travel insurance for a specific event, or a period of less than a year, please ensure you purchase a short-term policy. If you do wish to withdraw your policy during the cooling off period, you will incur a cancellation charge. Please see our terms of business for more details.
In order for your insurance policy to be valid, the premium needs to be paid to our underwriter in full, upfront. While this is fine for a lot of customers, many would prefer to spread the cost over a longer period of time. We allow you to pay your premium as a monthly direct debit by way of a finance agreement with a company called Premium Credit Limited (PCL). PCL pay your premium for you up front, and your direct debit is used to pay them back, plus a charge of 10% which they keep as a fee.
Premium Credit Limited may use a credit reference agency that leaves a record of the search, or other information about you to carry out credit and anti-money laundering checks. This record will be visible to third parties.
The first direct debit payment will be taken from your account approximately 28 days after you take out your policy. Premium Credit Limited will inform you of the precice day of the month when your direct debit payments will be taken. If you would like to change your direct debit date to a different day of the month, just let us know. You can get through to our team on 0333 003 0046 Monday to Friday, 9 am to 5:30pm.
Yellow Jersey have selected Premium Credit Limited to provide a premium finance solution to help spread the cost of your annual policy. If you have selected to pay your premium via monthly Direct Debit, Premium Credit Limited will send you a finance agreement and mandate form which you will need to complete and return to them.
The increase in premium is based on how long you have remaining on your policy, worked out on a pro rata basis. If you extend from European only to Worldwide cover six months into your policy for example, you will be charged the difference in cost for these two policies for half a year. If you have purchased your policy with us on finance, the additional premium will be spread evenly across your remaining direct debit payments. Usually, there will be fewer direct debit payments remaining than months left in the policy.
To make acclaim for theft, accidental damage or race fee cancellation, you will need to login to your account. Don’t worry if you have forgotten your password, you will be given the option to reset it.
Once logged in, click ‘Claim’ next to the relevant policy, then chose and fill out the claim form you need from the available options.
We work with two different partners to try and make your claim as quick and easy as possible:
Direct Group are an insurance claims company regulated by the Financial Conduct Authority, and have the authority to look after the admin on our claims. This includes collecting documents, investigating incidences of insurance fraud, and authorising payments either to suppliers or directly to customers. They will handle any theft or race fee cancellation claim by themselves, but require additional help for accidental damage claims.
Complete Bike Recovery are a bicycle specialist. Their team of mechanics and technicians have the knowledge required to assess bike damage, and make decisions about the best solution for your claim. Their bike restoration wing Carbon Bike Repair also has the specialist ultrasound equipment we need to get an unambiguous assessment of carbon damage, something a local bike shop cannot provide.
Yellow Jersey sit above these companies, making sure everything is running smoothly. We have the final say on any decisions Direct Group or Complete Bike Recovery make, and are ready to step in if there are any problems. Fortunately, we don’t need to do this very often.
Depending on when you purchased your Travel Insurance from us, we have two different claims handlers. To make sure you are speaking to the right people, please visit our claims section.
Race fee cancellation cover is only available as part of Annual Ultimate Bicycle Insurance policies. If you are on the Performance or Essentials tier, or if you have taken out a short term policy, you won’t get the option to fill out a race fee cancellation form. If you think there is some sort of error, you can let us know by calling 0333 003 0046.
If you have an Ultimate level Bicycle Insurance policy (either annual or short term cover) then it includes emergency bike hire. You will need to agree the hire with us first.
After submitting your theft/accidental damage claim form, call our claims handlers, Direct Group, on 0333 003 0600. They will make sure you have the required level of cover, and make sure the company you would like to hire from are a legitimate rental business (not just your mate Dave).
We don’t insist you use a supplier we have a relationship with, but there are a couple we can recommend. British Bike Hire are a supplier to various triathlon event organisers . On Your Bike can supply bikes to areas around London and Birmingham.
Ultimate Bicycle Insurance customers are covered up to £500 in rental costs per period of insurance.
Direct Group are an insurance claims company regulated by the Financial Conduct Authority, and have the authority to look after the admin on our claims. This includes collecting documents, investigating incidences of insurance fraud, and authorising payments either to suppliers or directly to customers.
Carbon Bike Repair are a bicycle specialist. Their team of mechanics and technicians have the knowledge required to assess bike damage, and make decisions about the best solution for your claim. Their bike restoration wing Carbon Bike Repair also has the specialist ultrasound equipment we need to get an unambiguous assessment of carbon damage, something a local bike shop cannot provide.
The timeframe of a claim depends entirely on the circumstances and can vary significantly. A straightforward theft where a customer has been careful to follow our security requirements and has had all of their supporting documents ready in advance can be settled within a few days. An accidental damage claim that requires complex restoration could take several weeks. In any case, we are always working to improve and speed up our claims process through better training and increased automation.
If you are claiming for accidental damage, you will be put in touch with our bicycle specialist Carbon Bike Repair. They will look at the circumstances you supply in your claim form along with photographs of the damage to your bike, and provide an estimated time frame within the first few days of your claim. This is of course only an estimate.
One of the best ways to speed up your claim is to make sure you have all of the supporting documents we need ready as soon as possible. When you submit your claim form, we will give you a list of all the bits of information, such as proof of ID and address, we are going to need.
If there is damage to a carbon frame or wheelset, or if it is unclear whether there is carbon damage, then our partners at Carbon Bike Repair will organise collection of the bike.
Their repair arm, Carbon Bike Repair, have access to (and the training to use) a variety of ‘flaw detection apparatus’ including digital microscopes and thermographic ‘x-ray’, a process that uses ultrasound to track how heat passes through carbon fibre. The result of this is that they can provide a completely unambiguous assessment of the health of your frame or wheels, something a local bike shop cannot replicate.
We are determined to make our claims process as fast as possible. If we wait to collect all of your documents and process your entire claim before an engineer is allowed to get in contact with you, it adds a huge amount of wasted time onto the claim.
We take a more trusting approach than most insurance companies, and assume that your accidental damage claim is going to be processed without a hitch. This means we can start the process of inspecting and even repairing your bike at the same time as sorting out all of the admin in the background.
Our suppliers are all trained on our policy, and our claims process provides them with the information they need to see at a glance if there are any problems with the claim. Our process means it is highly unlikely that we would collect a bike, only to find it isn’t covered and need to return it to you. Nothing is impossible, but the difference it makes to the speed of a claim makes our tandem process worthwhile.
We work with various suppliers, and have a few background processes running to make claims as quick and stress free as possible, but ultimately, it comes down to working with the right people. Have a read of our in-depth claims process blog.
Yellow Jersey was born out of an established family-run insurance brokerage firm called The Plan Group Ltd. As a family of cycling enthusiasts, we decided to combine our insurance experience with our love for cycling and launched Yellow Jersey. Our vision is to free your ride, giving you more time and peace of mind with quality cover that you can rely on. By designing cover that we would choose ourselves, we provide the products and services that allow our customers to ride without any concerns, concentrating on the thrill of the ride, confident in the knowledge that if anything should happen, we’re there to get them back on the bike.
Please visit our contact us page for details.
The office is open from 9am until 5.30pm Monday to Friday.
Yes, as a trading style of The Plan Group Ltd., Yellow Jersey is authorised and regulated by the Financial Conduct Authority, registration number 307249. Feel free to check this on the Financial Conduct Authority’s register by visiting their website or by giving them a call on 0800 111 6768.
Our bicycle insurance is underwritten by Tradewise Insurance Services. Tradewise offer a range of industry leading insurance products and we have had the pleasure of working with them for over a decade. We cannot fault their business integrity and their service has consistently been of the highest quality.
Please head over to our contact page for more information.
While we hope that the service you receive from Yellow Jersey is the best it can be at all times, we want to hear from you if you are not satisfied – so we can improve our services for the future. Our Operations Director can be contacted by;
Telephone: 0333 003 0046
Writing: Yellow Jersey, Prospero, 73 London Road, Redhill, Surrey, RH1 1LQ
When dealing with your complaint, we will follow our complaint handling procedures; a summary of these procedures is available on request. If you are still not satisfied after first making contact, you may be entitled to refer the matter to the Financial Ombudsman Service.
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