Everything You Need to Know About Claiming from Sundays

Who is Sundays?

Founded in 2008 by Theo Grobler and Aryna Edwards, who are avid cyclists themselves, Sundays has been working tirelessly for 13 years to get more people cycling, and keep them cycling. 

We currently cover cyclists in the United Kingdom, United States, and Australia, with more regions planned soon. 

At Sundays, we believe that riding a bicycle makes you the best version of yourself. It also makes the planet happier and healthier which in turn, looks after us and those who come after us.

Sundays cycle insurance is arranged by Gator Bikesure Ltd and underwritten by Red Sands Insurance Company (Europe) Ltd. 

We Make Claiming Fast & Easy

When you ride a bicycle regularly, there’s a good chance that at some point life is going to throw a spanner in the works. 

Depending on the type of bicycle you ride and what goes wrong, getting back on the saddle could cost you a couple of pounds and an hour or two at the bike shop. That’s if you’re lucky. 

In the worst-case scenario, it could cost you hundreds of pounds that you might not have on hand if that day comes. That’s exactly what bicycle insurance is for.

When it comes to insurance, we know that there’s nothing more important than a quick and easy claims process. After all, the reason you have insurance in the first place is for the peace of mind that comes with knowing your bicycle is covered in the event of theft or accidental damage.

We work hard to make claiming as easy as possible for our customers. If you need to make a claim, just follow the simple steps below and we’ll have you back on the saddle in no time.

Before Making a Claim

If something happens to your beloved bicycle, you might be unsure whether or not to make a claim. Sometimes the answer is straightforward - for example, if your bike was stolen - but if your bicycle was damaged, you may be wondering whether you should claim from Sundays or pay for the repairs yourself.

In the event of accidental damage, if the cost to repair would exceed the policy excess amount, then you have a potential claim. 

Once you’ve decided you want to make a claim, here’s what you’ll need to do to help move the process along as quickly as possible:

  • If your claim is for theft, attempted theft, or malicious damage we may require a police report to process your claim.
  • Contact us within 30 days from the incident.
  • Try your best to prevent any further loss, damage, or cost.

We may also ask you to provide information like your bicycle’s purchase receipt, photos of the damage to your bicycle, photos of the incident area, and/or proof that you complied with the security conditions of your policy. 

As you go through the claims process, we’ll let you know exactly what we need from you and give you time to supply the required information - so if you don’t have all of it at the time of making the claim, no stress. We’ll talk you through it step-by-step so we can get you back on the saddle as quickly as possible.

How to Make a Claim

We know that incidents don’t only happen during business hours, so we let you submit a claim 24/7 through our online form, which you can find here.

If you would prefer to talk directly with one of our friendly consultants, you can also choose to call us on 0203 198 2828 or email us at [email protected].

We’ll keep you in the loop throughout the claims process, so you’ll never have to find yourself wondering what happens next.

After You’ve Made a Claim

If your claim is valid, your bicycle will either be repaired or replaced, or we will pay you the reasonable cost of replacing or repairing the bicycle or item yourself up to the Benefit Limit. Unlike most home and contents insurance policies, we will not increase your premium after a claim. 

We’ll also reimburse you up to £500 to rent a bicycle whilst you are awaiting repair or replacement of your bicycle, arising from a valid claim.

If we repair or replace the lost/damaged item, we prefer to work with your local bike shop, but we retain the right to choose a repairer if, for example, the bike shop does not have the necessary equipment or expertise to carry out a specific assessment. In such a case, we’ll make use of an assessor of our own choosing.

New for old for three years

If the theft occurs within three years of the original purchase date and your bicycle and/or accessories were purchased new, we will deal with your claim on a new for old basis and pay the the lesser of:

  • Replacement Cost, or
  • Benefit Limit

Bicycles older than three years or purchased second hand

If your bicycle is older than three years or purchased second hand, your claim settlement amount will be calculated based on the age of your bike based on its current Market Value.

Market Value means the value we calculate for your bicycle and/or components and/or accessories of the same age, type and condition as yours immediately before the loss, theft or damage occurred. 

Our calculation is based on the following depreciation percentage applied to the recommended retail price of an item when purchased new.

  • After the first year, bicycle and/or components and/or accessories reduces by 20% of the recommended retail price.
  • After the second year, bicycle and/or components and/or accessories reduces by a further 10%.
  • Each year thereafter (of part thereof), bicycle and/or components and/or accessories reduces by a further 5%.

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