Biking is certainly one of life’s easy pleasures. A motorbike may be purchased for little or no, and also you don’t want a licence or specialist gear to take pleasure in it. Cycle insurance coverage won’t be necessary like it’s for drivers, however given 90 per cent of motorcycle thefts go unsolved, it’s indispensable for a lot of riders.
At its most elementary, cycle insurance coverage protects in opposition to theft. In reality, if in case you have home insurance coverage, it’s possible you’ll discover you have already got a rudimentary stage of canopy. Nevertheless, in the way in which motorists don’t accept third occasion, hearth and theft cowl, cyclists can profit from a totally complete cycle insurance coverage coverage.
Good cycle insurance coverage protects in opposition to far more than theft
The ETA was the UK’s first supplier of totally complete cycle insurance coverage. Each coverage features a lengthy listing of advantages as commonplace together with cowl in opposition to unintended injury, vandalism, third occasion claims and breakdowns.
Verify the small print
You received’t be shocked to find that each cycle insurance coverage firm affords one thing totally different, so it pays to do your homework. And bear in mind to examine the small print. For instance, some suppliers insist you present them proof of a damaged lock in case your bike is stolen. Given thieves typically take the lock with them, we expect that’s fully unreasonable.
Verify whether or not the way in which you retailer your bike –each at house and once you’re out and about – is roofed. For instance, in case you maintain your bicycle in a shed, is a selected stage of safety specified for the door or padlock? In that case, you’ll be able to find yourself having to fork out for an costly lock unexpectedly.
ETA cycle insurance coverage merely requires that the shed door is locked – we don’t specify the lock sort.
If you lock your bike in public, are components just like the saddle and wheels coated in opposition to theft? And if they’re, does a minimal declare quantity, or excessive extra, make it hardly value placing in a declare within the first place? ETA cycle insurance coverage covers all bike components in opposition to theft and vandalism, together with fast launch elements resembling saddles and wheels
What occurs once you declare?
One of the best take a look at of an insurer is your claims expertise.
What extra will you pay in case you make a declare? If it’s nothing, examine if there’s a minimal declare quantity as that is successfully the identical factor.
No-claims low cost. At time of writing, the ETA is the one UK cycle insurance coverage supplier to supply a no-claims low cost.
Are you able to submit a declare kind on-line? Will one individual cope with you, or will you be handed from pillar to publish? In case your bike is stolen, will you be compelled to make use of a selected provider or will you obtain a cheque so you’ll be able to select to make use of the bike store you need?
ETA cycle insurance coverage permits you to log your declare rapidly and effectively
You received’t discover solutions to those questions with out wanting rigorously at an insurer’s web site, or asking them immediately, however you’ll be happy you probably did in case your bike is pinched.
Obtained a query about cycle insurance coverage?
Put up your query right here, or name us on 0333 000 1234.
The moral selection
The ETA was established in 1990 as an moral supplier of inexperienced, dependable journey companies. Over 30 years on, we proceed to supply cycle insurance coverage , breakdown cowl and mobility scooter insurance coverage whereas placing concern for the setting on the coronary heart of all we do.
The Good Buying Information judges us to be the UK’s most moral supplier.
