Think home & contents insurance has your mountain bike fully covered? Think again.
Out-of-home cover
Home & contents insurance is designed to do what the name says - cover the standard contents of your home, in your home.
While it may provide partial cover for items taken out of the home, it’s unlikely to cover your mountain bike if you crash while riding or racing, for theft away from home, and damage or loss while in transit.
We cover your road bike while it’s locked at home, for damage while you’re riding or racing, in-transit in the UK, and even worldwide if you activate this optional cover.
Value for money
While home & contents insurance may provide some cover for your mountain bike, there may be limitations to the value they insure, and they’re unlikely to cover many of the situations unique to cycling.
Our insurance has been custom-designed to give you comprehensive cover suited to your needs, while maintaining a competitive price. Plus, if you decide this cover isn’t for you, you can cancel within the 14-day cooling-off period. No questions asked, no penalties.
Unlike most home & contents insurance policies, we also don’t increase your premiums if you claim.
Accessories cover
As cyclists ourselves, we know that if it's not on Strava, it didn’t happen - so you’ll want to cycle with your cycling trip computer, heart rate monitor, the latest GPS or even a GoPro.
You’re only as fast as you look, so we can cover your curated cycling kit and your custom or racing wheelsets that your home & contents insurance might not.
Superfast claims handling
As a specialist mountain bike insurer, we’re not sorting through the many types of claims that may arise for home & contents insurers - we’re dedicated to you and your bike!
Our team consists of ex-bike mechanics, retired pros, and enthusiast cyclists who are ready to get you back on the saddle as fast as possible.
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What we cover
Getting your bike stolen is just about the worst thing that can happen, but don’t worry - we cover theft from and away from your home.
Whether it's a high speed crash or a coffee stop tumble, we’ll get you back on your bike either by repairing your bicycle or replacing the damaged parts.
If you regularly transport your bike on your roof, chances are that someday you’ll forget your bike is there while driving into your garage. Oops. Don’t worry, we cover your bicycle when you transport it on your car.
If your beloved machine is pinched, we'll cover your bike new for old. Remember to keep your proof of purchase info, we'll need it for your claim.
Entrusting transport of your bicycle to an airline, ship, train, or truck while you’re travelling? No stress. We can cover your bicycle for loss or damage in transit anywhere in the UK.
If you lock your bike up and return to find it has been damaged, either by a vandal or by a thief trying to steal it, we’ll cover the costs to repair it to its previous condition.
We will reimburse you up to £250 for the reasonable costs of transportation for you and your bicycle, if your bicycle suffers a breakdown and cannot be repaired at the breakdown scene.
We will reimburse you up to £500 for bicycle hire or the reasonable use of public transport while you await the repair or replacement of your bike, arising from an approved claim.
Comprehensive cover
We love upgrades, gadgets and accessories as much as you do. Insure custom parts fitted to your bicycle, (such as upgraded carbon handlebars or a dropper seatpost), accessories (such as your cycling kit, GPS, or headlight) up to the value of £5,000. You can also cover the kit you’re wearing while you ride.
Traveling outside of the UK with your bicycle? Add our optional worldwide cover to extend your cover for up to 365 days abroad (limited to 90 consecutive days per journey). Enjoy stress-free travel with your bicycle covered for loss or damage en route to your destination.
Select racing cover to insure your bicycle if the damage is caused by a specific incident, crash, impact, or road hazard while taking part in a race or event. You don’t have to choose it and pay for it if you don’t want your cover to extend to races.
One set of hoops for racing and another for training? Add additional wheelsets to your policy so you can swap your wheels to suit your ride with total peace of mind.
No upfront premiums. Cancel anytime without additional fees
Frequently asked questions
If you ever need to make a claim, here’s what you’ll need to do to help move the process along swiftly:
- Report the incident as soon as possible by following our claims process here. It is of paramount importance that you contact us within 30 days of a claimable event.
- Report the incident or loss to the police in the event of a theft, attempted theft, malicious damage/impact.
- Try your best to prevent any further loss, damage or cost.
- You’re likely to need the bicycle’s serial number if it has been stolen.
- All incidents involving theft or attempted theft require a police report to make a claim.
We’re also cyclists here at Sundays, so we understand how stressful any cycling-related incidents can be. If you need any assistance, call us on 0203 198 2828 or email us at [email protected].
We define accidental damage as any damage caused to your bicycle, components or accessories due to sudden, unforeseen incidents, cycling accidents, or events that occur during the policy period.
Yes, just ensure you add them to your Policy Schedule.
More FAQ
Why choose Sundays
Since 2008, we’ve been working tirelessly to get more people riding, and keep them riding.
Our products aren’t designed by nameless faces in suits - they’re designed by cyclists that have a deep understanding of the cycling world and the risks cyclists face.
About us
From the moment you enquire about our offerings to the time you need to make a claim, we ensure that you're fully informed and comfortable with each step of the process.
We are committed to clear communication, straightforward pricing, and honest practices.
Our Claims
We take the responsibility of covering your most prized possession seriously.
Our team honours the trust our customers place in us and we consistently work to exceed expectations, from quoting to claiming and everything in between.
About us
