ABOUT THIS DOCUMENT

This document provides key information about the Cycle Insurance Policy. Please note that it does not contain the full terms and conditions of your contract of insurance, which can be found in your policy document.

Please download Policy Documents

When the bike is not in the insured location and unattended, as specified in the policy document, it must be secured through the frame to an immovable object using a lock which is specified in the 'Sold Secure' list of cycle locks which is appropriate to the insured value of the bicycle. If the insured value of the bike is less than €1000 you require a Silver rated lock, if the insured value of the bike is over €1000 you require a Gold rated lock.

INSURER

This insurance is underwritten by Certain Underwriters at Lloyd’s, One Lime Street, London EC3M 7HA, who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA).

SIGNIFICANT FEATURES AND BENEFITS

• Cover included for theft of your cycle
• Cover included for accidental damage to your cycle
• Cover applies anywhere within the Republic of Ireland
• Cover for your liability to others for injury or damage arising from the use of your cycle
• Option to extended cover to the European Union up to a maximum of 21 days in any one period of insurance
• Option to add cover for your family members
• Option to add Personal Accident benefits and Road Rage cover arising from the use of the cycle
• Option to add cover for racing and competitive events

SIGNIFICANT OR UNUSUAL EXCLUSIONS OR LIMITATIONS (BY COVER)

Theft and Accidental Damage

• We will not pay the first €100 of any claim for theft or accidental damage
• We will not cover theft from the insured location or from a vehicle unless there has been forcible and violent entry and you have complied with all security requirements
• We will not cover theft away from the insured location if the cycle is left unattended, unless it is locked to an immovable object by an approved lock through the frame and any access to the cycle is by forcible and violent entry
• In the event of a claim you may be required to prove ownership of the cycle or an approved lock
• We will not cover unexplained theft or abandonment or theft by a person to whom the cycle is entrusted
• Additional claims costs resulting from supply of a cycle from outside the Republic of Ireland when items are unavailable in the Republic of Ireland or delivery is required to addresses outside the Republic of Ireland

Personal Accident

• There is no cover for persons under age 16 or over age 85
• Permanent total disablement benefits are not available to anyone over age 65
• Death, injury or loss must occur within 180 days of the accident

Road Rage

• We will not pay the first €50 of any claim for emergency dental treatment or clothing and personal effects
• We will not pay any hospital benefit for the first 48 hours or beyond 30 days
• We will not pay any hospital benefit which does not involve an overnight stay as an in-patient

Public Liability

• There is no cover for persons under age 16 or over age 85
• We will not cover the first €500 of every claim arising from damage to third party property

PERIOD OF INSURANCE

The insurance offered is a 12 month contract. The insurance may be renewed each year, but renewal will be subject to the terms and conditions that apply at the time of renewal.

CANCELLATION

Cooling off period

You may cancel the insurance, without giving reason, by sending us written notice and returning the insurance documents within 14 days of it starting or (if later) within 14 days of you receiving the insurance documents. We will make a charge equal to the period of cover you have had, subject to a minimum charge of €25 plus government levy. We will not refund any premium if you have made a claim.

Cancellation after the withdrawal period

You may cancel this insurance after the withdrawal period by giving us notice in writing. We will refund the part of your premium which applies to the remaining period of insurance, as long as you have not made a claim within the period of insurance.

HOW TO CLAIM

If a claim or possible claim occurs, you must report it to us as soon as possible. Please contact us on +353 (1) 216 1488.

LAW APPLYING TO THE INSURANCE

Unless we have agreed otherwise with you, Irish law will apply to this insurance.

Please download Policy Documents

COMPLAINTS