Legal Cover – Frequently Asked Questions
15 July 2025
1. What does Legal Cover include?
It provides up to £250,000 in legal expenses for cycling-related issues such as injury claims, bike damage disputes, defence against cycling offences, and contract disagreements. It also includes 24/7 legal advice and counselling support.
2. Who provides the legal cover?
The cover is arranged by Sundays insurance and administered by Temple Legal Protection, underwritten by Intact Insurance UK Ltd.
3. When does legal cover apply?
Cover applies for incidents that occur and are reported during the policy period. A claim will only be accepted if it has a reasonable chance of success.
4. Are there legal cover limits or thresholds?
Yes. Any claim for damage or contract disputes must exceed £100. The maximum cover is £250,000 per claim and £1,000,000 per policy period.
5. Where does the legal cover apply?
- Personal injury related claims – Worldwide
- All other claims – United Kingdom of Great Britain and Northern Ireland, Isle of Man, Channel Islands
6. What’s not covered under legal cover
- Pre-existing disputes
- Reckless or criminal behaviour
- Claims involving motor vehicles
- Any legal costs incurred before claim approval
- Any claims relating to the running of a business.
7. How do I make a legal cover claim?
Contact Temple Legal Protection as soon as possible:
- Call: 01483 954 089 (Mon–Fri, 9am–5pm)
- Email: [email protected]
- Post: Claims Department, Temple Legal Protection Ltd, One Bell Court, Leapale Lane, Guildford, Surrey GU1 4LY
You’ll need to complete a claim form, which will be assessed before legal expenses can be covered.
8. Is there a helpline for legal advice or counselling?
Yes. You can call Temple’s helplines 24/7 for immediate support:
- Legal Advice Line: 01483 514 878
- Counselling Support Line: 01483 954 832