What value should I insure my bicycle for?
For bicycles purchased new and less than 3 years old, we suggest listing your bicycle at the recommended retail price.
For bicycles older than 3 years or purchased second hand, the total bike value should be reflective of the depreciated value, starting from the original date of purchase. We apply 20% for the first year, further 10% for the second year and then a further 5% for each subsequent year thereafter.
What type of bike lock do I need?
For bikes worth less than £999, you would need to have a Sold Secure Silver rated lock. For bikes worth £1000 or more, you would need a Sold Secure Gold rated lock. If you are still unsure on whether your lock is approved, please get in touch. We’d be happy to review your lock and confirm whether this would be approved under your policy.
Do I have to provide proof of ownership for my bicycle?
If you are making a claim it is vital that we have this information, which is why we ask for it when you take out a policy. Without proof of ownership, we may not be able to pay a claim.
Are my bike accessories covered?
We give you the option to insure up to £10,000 in accessories. Remember to list these on your policy when taking out cover online or call us on 0203 198 2828 and we’ll happily add these for you straight away. Easy.
If I have an accident, is my bike covered if gets damaged?
It sure is. Plus, with our Racing and Worldwide cover option, you can have the freedom to race and travel all over the world with your bicycle, knowing that Sundays have you covered.
Am I covered for racing?
Yes, if you choose our optional Racing cover, your policy will then be extended to protect you whilst taking part in any amateur mass participation events such as races, sportives, charity rides and triathlons. Please note, we are unable to extend cover to professional cyclists. Always refer to the Policy Wording for contractual definitions.
Why should I choose Sundays if my bike’s covered under my home and contents?
You may have some cover under your home and contents policy, but often there are limitations to the value and what is covered. With Sundays Insurance you can rest assured that your policy has been designed by cyclists with fellow cyclists in mind.
Do you cover e-bikes?
Absolutely! We cover your e-bike in the same way as we would cover any other bicycle, including the battery.
Is my bicycle covered if I travel overseas?
We all love to travel with our bikes, which is why we give you the option to include Worldwide cover on your policy. Worldwide cover gives you the flexibility to travel all over the world with your bicycle for up to 90 days. Please be aware that public liability is excluded in the USA, Canada and Australia.
Is my bike covered whilst on a roof rack?
Yes, this comes as standard with our Bicycle cover. Please note, you are required to lock your bicycle to the roof rack using an approved lock through the frame, including both wheels.
Do you insure professional cyclists or couriers?
Unfortunately not. Please refer to the Policy Wording for contractual definitions.
How much will a policy cost me?
The cost of a policy depends on your bike value and the level of cover you choose. At Sundays, we won’t apply any additional charges for where you live.
What is the excess?
In the unfortunate event that a claim arises, the applicable excess is as follows:
Accidental Damage and Theft: £100
Cycle hire: £50
Personal Accident: £0
Private Medical Cover: £50
Public Liability Cover: £100
What level of cover do I need?
Each rider’s needs are unique and each bike is different. It is important that you consider your situation and needs carefully. We have a range of cover options available for you to choose from. Please drop us a line if you have any questions.
Will you cover damage to my bike rack?
Unfortunately not, we cover your insured bicycle whilst on a bike rack, but not the bike rack itself. Check with your vehicle insurance, it is typically provided there.
Can I purchase the policy online?
Absolutely. Click here, get a quote, enter your payment details and go ride!
How do I make a claim?
How old do I have to be to qualify for Sundays Insurance?
You must be aged between 16 and 85.
Who are Sundays Insurance?
The Sundays Insurance Group is underwritten by Red Sands Insurance Company (Europe) Ltd and specialise in cyclist specific insurance across the world. Sundays Insurance is a trading style of Gator Bikesure Ltd. Gator Bikesure Ltd is an Appointed Representative of Correlation Risk Partners (CRP). CRP is authorised and regulated by the Financial Conduct Authority. FCA No: 439351.
Who are Red Sands Insurance Company?
Red Sands is licensed and regulated by the Gibraltar Financial Services Commission under the Financial Services (Insurance Companies) Act 1987 of Gibraltar and is a member of the Financial Services Compensation Scheme (FSCS) and the Association of British Insurance (ABI).
Please feel free to contact us on 0203 198 2828 if you have any further questions or even if you just want to chat bikes, our team of experienced cyclists will be happy to assist.
Can I pay monthly?
To make it as easy as possible for you, our policies can be paid monthly at no additional cost.
How do I make changes to my policy?
Easy! Give us a call at 0203 198 2828. Available Monday to Friday, 8:30am – 5pm.
What happens at the end of my 12 month policy period?
Your policy will automatically renew to ensure you aren’t left with any gaps in your coverage and so you don’t ride unprotected. We will email you with at least 3 weeks notice and provide you with a further 14 day cooling off period at the beginning of the next period. Should you decide that you do not wish to continue, you can just let us know through email or call us on 0203 198 2828.
Rider Insurance FAQs
Do you offer liability coverage?
Public liability comes as standard with our Cyclist cover and protects you for up to £1,000,000 should you cause damage to another person or their property.
Will you cover my medical expenses if I get hurt in a cycling accident?
With our Cyclist cover, you have the option to walk into any private hospital or clinic to avoid the long waiting time in A&E so you can access fast, premium treatment to get you back on the road as quick as possible. Emergency private medical cover comes as standard with our Cyclist cover.
Bicycle Insurance FAQs
What if my bike isn’t new, is it worth insuring?
Even if it isn’t new we can still insure your bike provided the value is £300 or more. Replacing a damaged or stolen bike can still be very expensive even if it is a few years old. If the value of your bike is under £300, have a look at our Cyclist Insurance to protect yourself against liability and personal accident whilst riding any bicycle.
What if I get hit by a car?
In the unfortunate event that you are hit by a car, your bike would be covered under our Bicycle Insurance policy. Irrespective of if the driver is insured or not.
What happens if I buy a new bike?
Whether you’re replacing your current bicycle or adding an additional bike to your collection, if you are adding it less than 30 days from the date of purchase. All we need is your purchase receipt to prove condition and ownership. Beyond 30 days this can be done simply with clear high-resolution photos. Simply call us for a quote to add additional bikes.
Can I insure my bike just for the racing season?
Sundays offer 12-month policies with the option to pay monthly with no interest charges. Keep in mind that you can cancel your policy at any point with refunds available for policies that have been paid annually.
Are my accessories or additional wheels covered if I loan them to a friend?
No. Once your wheels or accessories are on another bike they are no longer part of your insured bike and no longer covered by your insurance. If you hold a policy for both bicycles then no problem.
What do you consider as accidental damage?
Accidental Damage is damage caused to your bicycle, components or accessories arising from a sudden, unforeseen, specific incident or event that happens during the period of insurance.
Can family members ride my bicycle and still be covered?
Yes. Our bicycle cover protection extends to your spouse, your children over the age of 16 or your partner cohabiting for over 2 years. Please note that the Cyclist cover is only applicable to the insured name on the policy.
Do you cover custom parts and additional wheelsets?
We do, but they must be specified on your Policy Schedule for coverage to apply.
Is my bicycle covered whilst on a plane?
Your bicycle will be covered in transit if your bicycle is securely packed in appropriate transportation equipment and the Worldwide cover is selected when travelling outside of the territorial limit.
Can I get a hire bike if my bike is damaged or stolen?
Cycle hire comes as standard with our Bicycle cover. In the event of an approved claim, we will reimburse you for the cost of a hire bicycle whilst you await the necessary repair or replacement.
Can I store my bike in a garage?
Yes, provided the garage is privately accessed, fully enclosed, built of brick, concrete or stone and roofed with slate, tiles or multi layered roof; attached to or within the boundaries of your private house. Any doors must be fitted with a mortice deadlock, with at least five levers, conforming to British Standard (BS 3621).
Can I store my bike in a wooden shed?
You can store your bicycle in a wooden shed, provided you secure your bicycle therein using an approved lock to an immovable object. Please note, the wooden shed must be privately accessible to you, securely locked, within the boundaries of your primary residence.
My bike’s worth £5,000, can I get insurance?
With Sundays Insurance you have the option to insure your bicycle up to its market value and be covered new for old for the first three years since the bicycle was purchased new. Limited by the sum insured you nominate. See Policy Wording for Security conditions and exclusions.