Terms and Conditions
Cycle Insurance policy
CYCLE INSURANCE arranged by Loyal Insurance Services Ltd with UK Underwriting Limited on behalf of: Fortis Insurance Limited. Registered Office in England number 354568. Fortis House, Tollgate, Eastleigh, Hampshire, SO53 3YA.
Loyal Insurance Services Ltd, UK Underwriting Limited, and Fortis Insurance Limited are authorised and regulated by the Financial Services Authority. This can be checked on the FSA’s register by visiting the FSA’s website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234.
Insureyourbicycle.co.uk cycle insurance cover is attached to the pedal cycle shown in the schedule. Public liability and personal accident benefits are only payable to or on behalf of the person using the cycle at the time an incident covered by this policy occurs.
GENERAL DEFINITIONS
The words or expressions detailed below have the following meaning wherever they appear in this policy:Abandonment means being left in a location to which the public has access for more than 12 hours at any one time or 24 hours in respect of cycles left at train stations, provided you have complied with all the security requirements laid out in this policy.
Accidental Damage means damage caused accidentally by violent and external means including vandalism.
Administrator means BBH Shelter Ltd trading as Trent-Services, Trent House, Stroud Road, Cirencester, Cirencester,GL7 6JN
Approved Lock (only applicable where the cycle exceeds £500 in value) means a) a nominated lock (as specified on the attached schedule); or b) any other specified lock accepted by us and specified in an endorsement.
Endorsement means any terms and conditions additional to this policy and specified on your insureyourbicycle.co.uk customer statement.
Evidence of Ownership means original purchase receipt, showing the date, price paid, details of the pedal cycle and approved lock name and address of seller, or other evidence, which clearly demonstrates ownership.
Family means parents, spouse, partner, son, daughter or siblings (aged 16 years or over).
Forcible and Violent Entry means
a) entry evidenced by visible damage to the fabric of the building at the point of entry;
b) damage caused to an immovable object or approved lock.
Immovable Object means a) any solid object fixed in or on to concrete or stone, which is not capable of being undone, removed with, or lifted under/over the pedal cycle;
b) a properly fixed motor vehicle roof rack or properly fixed vehicle bicycle rack;
c) at train stations, a bicycle rack supplied by the train station expressly for the purpose of securing bikes, and within the jurisdiction of the transport police.
Pedal Cycle means any bicycle, adult tricycle or tandem, including component parts and accessories permanently fixed to the pedal cycle, specified in the schedule which is your property, or for which you are legally responsible, normally kept at the address described in the schedule. This definition shall be extended to include any mechanically or electronically assisted bicycle weighing less than 40kg and with an output not exceeding 200w/15mph.
Period of Insurance means the period specified on your Insureyourbicycle.co.uk customer statement from the date of acceptance by us of the insurance, provided that the appropriate premium has been paid.
UK means England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.
We/Our/Us/Insurers means UK Underwriting Ltd on behalf of Fortis Insurance Limited.
You/Your means the person who has purchased this Insureyourbicycle.co.uk policy and any person using the pedal cycle with their consent.
DETAILS OF COVER
Pedal CyclesThis section indemnifies you against theft, accidental loss or accidental damage to pedal cycle(s), as specified on your Insureyourbicycle.co.uk schedule, occurring within the geographical limits of the UK.,
Special Exclusions
This section does not cover:
- Loss or damage arising from the use of the pedal cycle(s) for racing, pacemaking, time or reliability trials or whilst practising for any of them.
- Loss or damage caused by depreciation in value, wear and tear, cleaning, alteration, adjusting, restoration, repair, maintenance, mechanical or electrical breakdown, scratching, misuse, or atmospheric or climatic conditions.
- Loss or damage caused by insects, vermin, fungus, domestic pet or any gradually operating cause.
- Theft or attempted theft of the pedal cycle(s) whilst left unattended in a public place at any time unless a) the pedal cycle is secured by an approved lock attached to an immovable object, or; b) it is locked in a building/vehicle where theft is occasioned by a forcible or violent entry. In this instance, the pedal cycle must be stored out of sight.
-
Loss or damage occurring whilst in the custody of an airline or courier unless;
a) a receipt has been obtained from the airline/carrier for the period of transportation confirming their acceptance of responsibility for the pedal cycle, and; b) you have complied with the carrier’s terms and conditions and packaging/ storage requirements. - Loss or damage to tyres or accessories unless the accessories are permanently fixed to the pedal cycle and the pedal cycle(s) are lost or damaged at the same time.
- Loss or damage by confiscation or detention by customs or other authorised officials.
- Damage to tyres by application of brakes or by road punctures, cuts or bursts.
- Claims where the pedal cycle has a value of more than £4,000 inclusive of any extra accessories.
- Theft following abandonment.
- Theft by a person or persons to whom the pedal cycle is entrusted.
- Claims where the sum insured is less than the replacement value of the pedal cycle inclusive of any extra accessories. Note: The purpose of this exclusion is to prevent pedal cycles from being underinsured. If the pedal cycle were found to be under-insured we may only meet the claim, less excess, to the same proportion as the pedal cycle was covered. For example, a cycle, which is only insured for half its value will only receive half the loss less any excess.
- Claims where the pedal cycle has been left unattended for more than twelve hours at any one time in a location to which the public has access or for more than 24 hours in a train station.
Claims Excess Applicable
The excess applicable to claims under this section shall be 5% of the insured value with a minimum excess of £25.Basis of Claim Settlement
We will pay the cost of repair or pay the cost of replacement as new or at our discretion will arrange for repair or replacement to be effected. Our liability shall not exceed the sums insured detailed on your schedule less any excess as indicated under the claims excess applicable to Section A. In the event of partial loss the sum insured will be reinstated automatically other than in the case of total loss or destruction where all cover ceases. When making a claim, you will need to produce evidence of the value of the cycle in the form of an original purchase receipt or valuation certificate. In addition, we will reimburse the hire costs of a replacement pedal cycle whilst your own pedal cycle is being repaired or replaced up to a maximum value of £250. This benefit can only be claimed as part of a claim for repair or replacement of the insured pedal cycle.GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS OF THIS INSURANCE
This policy does not provide cover for any personal accident or personal liability of whatsoever nature, directly or indirectly caused, contributed to by or happening through or in the consequence of:- war or invasion; or
- terrorism or
- acts of foreign enemies; or
- hostilities (whether or not war has been declared); or
- civil war; or
- rebellion, revolution, insurrection; or
- military or usurped power, or
- ionising radiation or contamination by radioactivity from any nuclear fuel, or from any nuclear waste from burning of nuclear fuel; or
- the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof; or
- pressure waves from aircraft other aerial devices travelling at supersonic speeds
- wilful self inflicted injury or illness; or
- suicide or an attempt to commit suicide; or
- wilful exposure to danger, except in an attempt to save a human life; or
- solvent abuse; or
- being under the influence of alcohol or drugs, except those prescribed by a registered doctor and not those drugs prescribed for drug addiction, or drugs prescribed by a registered medical practitioner where a warning against riding has been given; or
- your engaging in any illegal or criminal act; or
- any pedal cycle not specified on your Insureyourbicycle.co.uk schedule; or
- any claim where you have declared the use of an approved lock but have been unable to demonstrate that an approved lock was used; or
- any liability in excess of the amount shown in your policy.
TERMS AND CONDITIONS
1, Precautions - You shall take all reasonable steps to safeguard against accident, injury, loss, and damage and shall maintain the pedal cycle in an efficient and roadworthy condition. Failure to comply with this condition may invalidate your claim.2. Subrogation - We will be entitled to take over and deal with, in your name, the defence or settlement of any claim at our discretion and to take proceedings at our expense to recover for our benefit the amount of any payment made under this policy.
3. Other Insurances - If any loss, destruction, damage or liability insured by this policy, other than by Section B, is covered by any other insurance we shall pay only a rateable portion of any claim.
4.Fraud - We will void this policy in its entirety from the date of loss or alleged loss and no cover provided will apply if a claim made by you or anyone acting on your behalf to obtain any benefit is fraudulent or intentionally exaggerated; or a false declaration or statement is made in support of a claim under this policy.
Governing Law - English law applies to this policy unless you have asked for another law and we have agreed to this in writing before the start date.
Limit of Liability - In the event of a claim payment as a consequence of any insured event we will deem that full liability has been met under the terms of this policy and the insurance cover will cease upon settlement. In no circumstances shall our liability exceed the claim limit shown in the Insureyourbicycle.co.uk schedule.
CANCELLATION RIGHT
We hope you are happy with the cover this policy provides.You have the right to cancel it within fourteen days of the start date of the policy without giving any reasons and you will receive a full refund.
Should you cancel after fourteen days we will refund an amount proportionate to the unexpired period remaining on the policy..
We may cancel this policy by giving you 14 days notice at any time. If we do advise you of cancellation then we will refund the premium remaining for the unexpired period.
MAKING A CLAIM
If you have a claim, please contact the administrator, as soon as possible by calling 01285 626020 to request a claim form. Alternatively you may email admin@trent-services.co.ukUK Underwriting Ltd is an agent of Fortis Insurance Limited and in the matters of a claim acts on their behalf.
WHAT TO DO IF YOU ARE NOT SATISFIED
It is our intention to give you the best possible service but if you do have questions or concerns about this insurance or the handling of a claim you should in the first instance contact the administrator. The contact details are:Complaints Department
Trent-Services
Trent Lodge
Stroud Road
Cirencester
Gloucestershire
GL7 6JN
Tel : 01285 626020
Email : complaints@trent-services.co.uk
Please ensure your policy number is quoted in all correspondence to assist a quick and efficient response.
In the event you remain dissatisfied and wish to make a complaint, you can do so by contacting the following:
The Head of Claims,
UK Underwriting Limited,
Cast House
Old Mill Business Park
Gibraltar Island Road
Leeds
LS10 1RJ
The Financial Ombudsman Service,
South Quay Plaza,
183 Marsh Wall, Docklands,
London, E14 9SR,
Tel: 0845 080 1800
Your statutory rights are not affected if you choose to follow the complaints procedure above. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau.
COMPENSATION SCHEME
Fortis Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 100% of the first £2,000 and 90% of the remainder of the claim. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.ukDATA PROTECTION 1998
Please note that any information provided to us and our agents about you will be processed by us in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims. This may necessitate providing such information to third parties.Cycle Insurance approved lock list
Your cover is dependant on using a lock from our approved locklist. Proof may be requested when making a claim.|
Abus 1010 City Chain Abus 20/70 Diskus + 8KS chain 110cm & Lock Abus 6000/75 Abus Bordo Abus Buffo 34/180 HB 230 Abus Centuro 860 Abus City Chain X Plus 1060 Abus Granit Chain 110cm (10KS Chain + Granit 37/55 Padlock) Abus Granit Classe 74/170 Abus Granit Extreme 59/180 Abus Granit Futura 64 180 / 120 HB230 Abus Granit Plus 51 Abus Granit Steel-O-Flex 1000 Abus Granit X Plus 54 Abus Manhattan 50 180/230 Abus Millennioflex 896 Cable lock Abus Sinero 43 Shackle lock Abus Sinus 46 Abus Sinus Plus 47 Abus Steelochain 85cm/110cm Abus Steeloflex 860 Abus Steeloflex 900 Abus Varedo 47 150 HB Shackle Lock Artago Stone 18ART D Shackle Artago Stone 69T Disk Lock & Chain Axa 583 Ring Lock with SLD Cable Axa SL7 Ring Lock with SLD Cable Axa SL9 Ring Lock with SLD Cable Bike It Mammouth Lock & Hexagon Chain 12mm Bulldog MC 100 Chain lock & Anchor Codrington FD 2041 Padlock & Chain English Chain Company Ltd EC 350C/25 Konig Force T11 Kombi Chain & Padlock Konig Kobra Force T11 Chain & Padlock Konig Kobra Force T13 Chain & Padlock Kryptonite EV 2000 (7.6cm x 14cm) Kryptonite EV 3000 Kryptonite Evolution 2000 Kryptonite Evolution 3000 Kryptonite Evolution LS Kryptonite Evolution Mini Kryptonite Evolution Mini LS Kryptonite Evolution Std Kryptonite Kryptolok (ATB,LS,STD) Kryptonite Kryptolok Plus Kryptonite Kryptolok Plus Mini Kryptonite Kryptolok Plus Mini LS Kryptonite New York (Voodoo Chain 1M +1.5M) & N.Y. Disc Lock Kryptonite New York Fahgettaboudit (100 & 150cm Chain) & N.Y. Disc Lock Kryptonite NY 3000 Kryptonite NY Chain w/EV Disc Luma 35 HU 245 x 320 Luma Bravo 245 x 320 Luma Bumper 38 Padlock & Chain Luma Decathlon U-5 D Shackle Luma Dogo Procombi Padlock & Chain Luma Escudo Compact Padlock & Chain |
Luma Escudo Shackle Plus 140 D Shackle Luma Max Shackle Lock 94x245 Luma Max Shackle Lock 94x320 Luma ProScoot D Shackle Luma Solido Chain Plus 110 Padlock & Chain Luma Solido Ground Anchor w/Solido Chain Plus 110 X 1700 Luma Solido Kit Duo Disk Lock & Chain Luma Tigre 14mm 155 Luma Tigre 155 & 175 Master Lock Europe 8200 Eurdpro Street Cuffs Master Lock Europe 8215 Eurdpro Master Lock Europe 8215 Eurdpro LW Master Lock Europe 8290 Eurdps Street Cuffs Ming Tay High Security Shackle Lock Moore and Large Magnum Plus306/308 Cable lock Moore Large & Co Dynamite Shackle Lock Moore Large & Co Magnum Beast Chain Lock (5016 & 5017) Moore Large & Co Magnum CH1 Chain and Padlock Moore Large & Co Magnum CH4 Chain Lock Moore Large & Co Magnum Mastiff Chain Lock (5019 & 5020) Moore Large & Co Magnum Onguard 5000 Brute LS Moore Large & Co Magnum Onguard 5001 Brute STD Moore Large & Co Magnum Onguard Pitbull (5002,5003,5004) Moore Large & Co Magnum plus 302 mini shackle lock with extender cable Moore Large & Co Magnum Plus 304 Moore Large & Co Magnum Plus 305 Moore Large & Co Magnum Plus CH3 Padlock & Chain Moore Large & Co Magnum UL1 Lock Moore Large & Co Magnum UL2 Lock Moore Large & Co Magnum UL3 Lock Moore Large & Co Magnum Ultimate LS Moore Large & Co Onguard Bulldog (5009,5010,5011) Moore Large & Co Onguard Bulldog Mini (5013,5014) Moore Large & Co Onguard Pitbull Mini (5006,5007) Mul T Lock Sliding Bolt Padlock & 13mm Gold Link Chain Oxford Bicycle Revolver (Cable Lock) Oxford Boss Chain Lock Oxford Magnum 2000 Oxford Monster MK2 Chain Lock Oxford New Defiance Ground Anchor & Lock Oxford Sentinel 2000 Oxford Stinger Chain Lock Pewag Dragon 11 x 150 Padlock & Chain PJB Boxer Chain & Padlock PJB Gladiator Chain & Padlock Specialized Big Rapper Specialized Fat Rapper Slim Specialized Hardlock Specialized Rapper Specialized Rapper Slim Squire 45mm Padlock & 2ft Chain Squire Alpha ‘D’ Lock Squire Challenger ‘D’ Lock Squire HS2/J2 Lock chain set Squire Padlock & Chain Squire Paramount Squire Paramount Plus Squire Paramount Plus 13 |
Squire Paramount Plus 13 (P5) Squire Paramount Plus 260 Squire Patriot Squire Patriot Plus Squire Protector Squire Protector Plus Squire SS50CS/MC4 Padlock & Chain Squire SS65CS/MC4 Padlock & Chain Squire UBX 16 Plus Squire Urban Paramount Squire Urban Patriot Squire Urban Protector Squire Viper 2 Metre Cable Lock Squire Viper 25/1200 Cable Lock Squire Viper VP Cable Lock Trelock BS 510 Trelock BS 610 108/230, 108/300 Trelock BS340/341 Trelock BS400 108 Trelock BS400 127/300 Trelock BS401 106/260 Trelock CM210 Trelock Cops BS275 Trelock LL 400 Trelock Titanlite 340 Viro By Expo Golden Shadow Padlock & Chain Viro By Expo Silver Shadow Padlock & Chain Weissenfels Silver Stone Padlock & Chain Yale V-1K997 Padlock & Chain |