We offer a range of complementary insurance products for cyclists.

We have three tiers of bicycle insurance to cater for different cyclists, for example, our top tier, 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 cycle travel insurance covers, trip cancellation, 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.

Health insurance or Private Medical Insurance (PMI) offers coverage for acute medical conditions that emerge after your policy begins, avoiding the need to join NHS waiting lists. Coverage can also assist in recovery after an accident by including physio.

Your bicycles, including their wheels, are covered against loss, theft and damage in transit, so long as they are securely packaged within a bicycle box, and you have retained the receipt from the airline confirming your bicycle was checked. The standard policy excess will apply.

If your bike is damaged whilst in the care of an airline, you will need to file a claim first against the airline. Baggage is protected under the Montreal Convention up to a statutory limit; this will pay first and we will then cover the outstanding balance. This must be filed within 21 days of the damage being discovered.

Your bicycle should be securely packed inside a bike box. We consider a bike box to be luggage explicitly developed for the carriage of a pedal cycle made of plastic, carbon fibre or metal.

We will, at our discretion, cover bikes packed in soft bike bags which offer additional protection via a solid internal frame. If you plan to travel with your bike packed in a soft bike bag,  please get in touch with our customer support team so we can agree this before you travel.

✘ We do not accept cardboard boxes, or soft bike bags with no internal frame to support the bicycle.

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 on our Essentials and Performance policies, and up to 18 hours on our Ultimate policy. 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.

While there are travel restrictions due to Covid-19, the bicycle values are the same on all our policies. Therefore, the 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. The insured bicycles must all be owned by you, by a member of your family who lives with you, or  bikes which you are legally responsible for (eg hire bikes).

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. All three of our policies cover you and your family members whilst riding any of your insured bikes. Our Performance and Ultimate policies also cover the named policy holder whilst riding any bike, including hired or borrowed bikes. Please bear in mind, though, that public liability cover is not provided in the USA or Canada.

Our bicycle insurance will cover any bike, including; road, mountain, cyclocross and time trial as well as tricycles, tandems, trailer cycles or cargo bikes. 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.

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. The cover limits are different on each of our Bicycle Insurance tiers; Essential, Performance and Ultimate.

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.

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

Example :
Price Paid – £2,000
Insured for – £1,500
Total Loss Claim
(£1,500 / £2,000) x £1,500 = £1500
Claim Settlement is £1500 less the excess

Partial Loss Claim
With a loss of £500
(£1,500 / £2,000) * £500 = £375
Claim Settlement is £375 less the excess

Our customer service team are always willing to explain this if you need any further clarification.

To read more about underinsurance, read our article here

Most insurers discourage clients from claiming. We are unique because we don’t charge you more to insure your bike at renewal if you’ve made a claim. Even if you claim, you still benefit from the 25% renewal discount.

That being said, our product designers believe there is a reasonable limit to the number of claims a customer should have. The limit ensures we don’t have to raise prices for more careful customers unduly.

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 £1,500 or more need a Sold Secure Gold rated bike lock. bicycles worth less than £1,500 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 others. 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 range of quality’s but are generally easier to bypass than D-locks. They also tend to be quite heavy and are best used in unsecure garages where a D-lock might be difficult to get on and off. Although accessory cable locks may seem like a convenient option, they are notoriously easy to break and highly unlikely to be Sold Secure rated. Do not rely on accessory cable locks to secure your bicycle.

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 locked through the frame to an immovable object with an approved lock for up to 12 hours at a time on Essentials and Performance policies, or 18 hours on an Ultimate policy.

Your bicycle will also be covered for theft when locked within a vehicle. Essentials and Performance Bicycle Insurance policies give up to 12 hours of cover in a vehicle, whilst our Ultimate insurance allows for up to 18 hours cover.

Beyond these limits, we consider the bike to be “abandoned” and it is no longer covered by us.

We offer a range of complementary insurance products for cyclists.

We have three tiers of bicycle insurance to cater for different cyclists, for example, our top tier, 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 cycle Travel Insurance covers, trip cancellation, 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.

Health insurance or Private Medical Insurance (PMI) offers coverage for acute medical conditions that emerge after your policy begins, avoiding the need to join NHS waiting lists. Coverage can also assist in recovery after an accident by including physio.

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. 

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  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  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. When buying a policy you just need to choose the maximum number of days you want to travel for, 30, 60 , 90 or 120 days, 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.

Unfortunately, we are not able to increase the 120 day limit on our annual policies. For trips longer than 120 days, you’ll need to use a different insurer.

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 Performance and Ultimate Bicycle Insurance policies 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 Ultimate 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.

Our policy automatically covers you for one pre-existing medical condition from our list of automatically covered conditions. If you have two or more conditions from the list, or a condition that is not on the list, all pre-existing medical conditions will be excluded from cover unless disclosed to the medical screening helpline and additional cover agreed in writing.

Automatically covered pre-existing medical conditions:

• Acne
• ADHD
• Allergic reaction (anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years
• Allergic rhinitis
• Arthritis (the affected person must be able to walk independently at home without using mobility aids)
• Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication)
• Blindness or partial sightedness
• Carpal tunnel syndrome
• Cataracts
• Chicken pox – if completely resolved
• Common cold or flu
• Cuts and abrasions that are not self-inflicted and require no further treatment
• Cystitis – provided there is no on-going treatment
• Deafness
• Diabetes (which is controlled by diet or tablets only)
• Diarrhoea and vomiting – if completely resolved
• Eczema
• Enlarged prostate – benign only
• Essential tremor
• Glaucoma
• Gout
• Haemorrhoids
• Hay fever
• Ligament or tendon injury – provided you are not currently being treated
• Macular degeneration
• Menopause
• Migraine – provided there are no on-going investigations
• Nasal polyps
• PMT
• RSI
• Sinusitis – provided there is no on-going treatment
• Skin or wound infections that have completely resolved with no current treatment
• Tinnitus
• Underactive thyroid (Hypothyroidism)
• Urticaria
• Varicose veins in the legs

Alternatively you can view a directory set up by the Money and Pensions Service. This directory provides easy access to companies that specialise in providing cover for pre-existing medical conditions, to enable customers to find the best value cover.

The directory can be accessed at https://traveldirectory.moneyadviceservice.org.uk/en or by calling 0800 138 7777.

Yellow Jersey are not connected to the insurers provided by the directory. As we offer a travel insurance product aimed at cyclists you should ensure that, if using a firm on the directory, they are able to cover your intended cycling activities

We offer a medical screening service where you may be able to purchase additional cover for your pre-existing medical condition. If you’d like to go ahead, please purchase the Yellow Jersey Travel Insurance after which you will be provided with the medical screening helpline number.

During the call you will be advised whether the pre-existing medical condition(s) can be covered. An additional premium may be quoted and the advisor will explain if any amendments will be made to the policy terms and conditions.

Alternatively you can view a directory set up by the Money and Pensions Service. This directory provides easy access to companies that specialise in providing cover for pre-existing medical conditions, to enable customers to find the best value cover.

The directory can be accessed at https://traveldirectory.moneyadviceservice.org.uk/en or by calling 0800 138 7777.

Yellow Jersey are not connected to the insurers provided by the directory. As we offer a travel insurance product aimed at cyclists you should ensure that, if using a firm on the directory, they are able to cover your intended cycling activities

Yes, however, no cover will be available under the policy for any claim which is directly or indirectly linked to the pre-existing medical condition.

Our policy automatically covers you for one pre-existing medical condition from our list of automatically covered conditions. If you have two or more conditions from the list, or a condition that is not on the list, all pre-existing medical conditions will be excluded from cover unless disclosed to the medical screening helpline and additional cover agreed in writing.

Automatically covered pre-existing medical conditions:

• Acne
• ADHD
• Allergic reaction (anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years
• Allergic rhinitis
• Arthritis (the affected person must be able to walk independently at home without using mobility aids)
• Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication)
• Blindness or partial sightedness
• Carpal tunnel syndrome
• Cataracts
• Chicken pox – if completely resolved
• Common cold or flu
• Cuts and abrasions that are not self-inflicted and require no further treatment
• Cystitis – provided there is no on-going treatment
• Deafness
• Diabetes (which is controlled by diet or tablets only)
• Diarrhoea and vomiting – if completely resolved
• Eczema
• Enlarged prostate – benign only
• Essential tremor
• Glaucoma
• Gout
• Haemorrhoids
• Hay fever
• Ligament or tendon injury – provided you are not currently being treated
• Macular degeneration
• Menopause
• Migraine – provided there are no on-going investigations
• Nasal polyps
• PMT
• RSI
• Sinusitis – provided there is no on-going treatment
• Skin or wound infections that have completely resolved with no current treatment
• Tinnitus
• Underactive thyroid (Hypothyroidism)
• Urticaria
• Varicose veins in the legs

Any travel insurance policy purchased after 04/03/2022 includes extensive cover for Coronavirus/COVID19. Scroll down for more FAQ’s on the cover, or visit our Coronavirus information page here.

Policies purchased before 04/03/2022 do not provide any cover for Coronavirus. For more information on policies purchased before 04/03/2022, please click here for more information.

Yes, in order to be covered for any expenses incurred as a result of catching Coronavirus, you need to have received an inoculation or vaccination against the disease as advised by the World Health Organisation, or the health authority in your country of residence.

This applies to any contagious disease where the World Health Organisation or the health authority in your country advises an inoculation or vaccination. For example, travellers to areas including parts of sub-Saharan Africa and South America are recommended to receive a vaccine against Yellow Fever, and you would need to demonstrate you have had this vaccination in order to make a claim for any expenses incurred as a result of contracting the disease during your trip.

Yes, all necessary medical emergency and associated expenses will be covered.

This applies to policies purchased on or after 04/03/2022 only. For policies purchased before this date, there is no cover available for Coronavirus.  Please click here for more information

Yes, provided you are all insured with us and are all subject to quarantine. You must be able to provide medical evidence from the treating doctor or local authority to confirm the quarantine order.

This applies to policies purchased on or after 04/03/2022 only. For policies purchased before this date, there is no cover available for Coronavirus.  Please click here for more information

If you are diagnosed with Coronavirus and cannot travel, cancellation cover would apply so long as your GP confirms the diagnosis and the fact that you are not able to travel.

This applies to policies purchased on or after 04/03/2022 only. For policies purchased before this date, there is no cover available for Coronavirus.  Please click here for more information

The policy provides cover for cancellation so long as you have obtained written confirmation from your airline that they have denied you from boarding their aircraft as a direct result of you displaying symptoms of a contagious disease.

This applies to policies purchased on or after 04/03/2022 only. For policies purchased before this date, there is no cover available for Coronavirus.  Please click here for more information

In the event of a valid cancellation claim, the cancellation section will reimburse irrecoverable costs incurred including Visas, covering the period of your cancelled trip only.

This applies to policies purchased on or after 04/03/2022 only. For policies purchased before this date, there is no cover available for Coronavirus.  Please click here for more information

No, in the event that the UK is ordered to ‘Lockdown’ again there would be no cover under the insurance in respect of cancellation claims.

This applies to policies purchased on or after 04/03/2022 only. For policies purchased before this date, there is no cover available for Coronavirus.  Please click here for more information

No, there would be no cover for any costs (accommodation/travel) incurred in the event of the country you are travelling in being “locked-down”.

This applies to policies purchased on or after 04/03/2022 only. For policies purchased before this date, there is no cover available for Coronavirus.  Please click here for more information

You would be covered for any additional accommodation or travel expenses provided you can produce medical evidence that you have either been diagnosed with Coronavirus or directly exposed to Coronavirus.

This applies to policies purchased on or after 04/03/2022 only. For policies purchased before this date, there is no cover available for Coronavirus.  Please click here for more information

There is quarantine cover under the medical expenses section of the policy for any necessary medical expenses, as well as any additional travel or accommodation costs.

This applies to policies purchased on or after 04/03/2022 only. For policies purchased before this date, there is no cover available for Coronavirus.  Please click here for more information

There is quarantine cover for all insured persons under the medical section, which includes cover for additional accommodation and flights.

This applies to policies purchased on or after 04/03/2022 only. For policies purchased before this date, there is no cover available for Coronavirus.  Please click here for more information

The policy will provide cover in the event a close relative is diagnosed as having Coronavirus and is seriously ill, which on medical grounds will require your presence. This will need to be certified by their GP.

This applies to policies purchased on or after 04/03/2022 only. For policies purchased before this date, there is no cover available for Coronavirus.  Please click here for more information

Your insurance will cover the cost of any additional accommodation incurred whilst you are subject to quarantine based on your individual symptoms or suspected exposure to COVID-19, but will not refund any pre-booked accommodation costs if these have been used. With regard to any unused pre-booked and paid for excursions, provided that these are non-refundable, your insurance will reimburse these costs less the standard policy excess and subject to you being able to provide documentary evidence to support the instruction to quarantine from either the Government, a public authority of the country you are in, or the treating doctor.

This applies to policies purchased on or after 04/03/2022 only. For policies purchased before this date, there is no cover available for Coronavirus.  Please click here for more information

There is no cover if you travel anywhere that is contrary to FCDO advice.

If you purchased your single trip travel insurance prior to the change of FCDO advice and you have not yet departed, then your policy will no longer provide any cover whatsoever. You may either defer the period of cover under your policy, or apply for a full refund of your premium.

This applies to policies purchased on or after 04/03/2022 only. For policies purchased before this date, there is no cover available for Coronavirus.  Please click here for more information

If you purchased your single trip policy prior to the change of FCDO advice and have already departed, then full policy cover will continue to apply provided that you follow all UK, local government or equivalent advice.

This applies to policies purchased on or after 04/03/2022 only. For policies purchased before this date, there is no cover available for Coronavirus.  Please click here for more information

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

Example :

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.

To read more about underinsurance, read our article here

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 wheel sets can be added separately whilst taking out a policy.

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 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 precise 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 5:00pm.

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.

To make a claim 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.

Your claim will be handled in house by Yellow Jersey by our specialist claims team.  We understand insurance, and we love cycling. We aim to get you back on your bike as quickly as possible.

Our cycle travel insurance claims are handled by a company called Claims Settlement Agencies, or CSAL. They are able to provide expert medical advice, and operate a 24-hour claims line all year round. For details on making a travel claim,  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 team 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.

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.

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.

We work with several carbon specialists. If there is damage to a carbon frame or wheelset, or if it is unclear whether there is carbon damage, we will ask one of our carbon specialists to arrange collection of your bicycle for inspection.

They can provide a completely unambiguous assessment of the health of your frame or wheels, something a local bike shop cannot replicate.

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.

For bicycle insurance policies with start dates up to the 31^st December 2019, the insurance is underwritten by Tradewise Insurance Services.

For bicycle policies with start dates from 1st January 2020, the insurance is underwritten by AWP P&C SA and administered in the UK by AWP Assistance UK Ltd trading as Allianz Assistance.

At Yellow Jersey we are committed to safeguarding your personal information, adhering to the most up to date internet security standards, compliance and UK data protection laws. Under no circumstances is your data stored on this site, it is passed immediately and securely on to relevant parties such as banks and finance houses. What’s more, our payment gateway site is protected by Barclaycard Secure to ensure any data you share with us is done so securely. You can rest assured that any and all information you supply is confidential and encrypted, so it cannot be read by anyone else. We take great care of your privacy and uphold the measures outlined in our Privacy Policy to keep your personal data secure and confidential. So please do have a good look through this policy, for as soon as you utilise the services of our website you will be expected to have read and accepted its terms. You should not utilise the services of our website if you do not accept our Privacy Policy.

Please visit our contact page for more information

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; 

Email: complaints@yellowjersey.co.uk

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.