Policy Destinations

Country of Residence

Covers trips within your country of residence, trips within country of residence must be pre-booked and for a minimum of 2 nights away. Claims against medical fees are excluded.

Europe inc Egypt, Morocco and Tunisia

Includes the following countries: Albania, Andorra, Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France (including Corsica & Monaco), Germany, Gibraltar, Greece, Hungary, Rep. of Ireland (when not country of residence), Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Macedonia, Moldova, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, (inc Azores & Madeira), Romania, Russia, San Marino, Serbia, Slovak Republic, Slovenia, Spain (inc Balearic & Canary, Islands), Sweden, Switzerland, Tunisia, Turkey, Ukraine, United Kingdom (when not country of residence)

Worldwide excluding USA, Canada

Cover for travel to all countries (see important information above) except the United States of America and Canada

Worldwide including the USA, Canada

Cover for travel world wide

Policy Destinations

Employment class A

Office based occupations / students / unemployed. This includes administrative, managerial and clerical jobs and any other employed sedentary occupation.

Employment class B

Supervision of Manual Work, Light Manual Work. Including doctors, nurses, surveyors and factory foremen and any other light manual occupation.

Employment class C

Travelling Sales, Manual Work, Self Employed, Tradesman (if not in class D). This includes Butchers, electricians, engineers, plasterers, mechanics, joiners.

Employment class D

Drivers, Heavy Manual Work. Including Lorry drivers, taxi drivers, pilots, fishermen, farm workers, builders, plant drivers and any other heavy manual occupations.

Cycle Insurance - Sold Secure Locks Information

Our cover is provided on the basis that your bike is secured with an adequate Sold Secure rated lock when leaving it in public.

Sold Secure have developed a three tier security grading system, titled Gold, Silver and Bronze.

The categories reflect the amount of time per test and the tools that are used and themselves vary depending on what test specification is being used. The higher the grading, the higher the security provided by the product.

The levels represent how long it will take a thief to break the lock.

Gold Rated

This is the highest level of security. All bikes over the value of £1,750 need to have a gold rated lock.

Silver Rated

Offers a compromise between security and cost. All bikes up to the value of £1,750 need to have a Silver rated lock.

Bronze Rated

Offers defence against the opportunist thief. All bikes up to the value of £500 need to have a bronze rates lock. Any other specified lock must be accepted by us and specified in an endorsement.

Proving you own a suitable bike lock

For our cycle insurance policy, it is a condition of the cover that you secure your bike with a Sold Secure lock when you are leaving it in a public place.

If you do have to make a claim in the unfortunate event of theft in a situation where your bike had to be locked correctly in order to qualify for a claim then you need to prove ownership of a Sold Secure lock.

You can prove ownership by:
- A valid receipt of purchase or web receipt if bought online
- A bank statement showing transfer of funds for the Sold Secure lock
- Clear photographs of the lock, separate from and on the insured bike.

Policy Destinations

Employment class A

Office based occupations / students / unemployed. This includes administrative, managerial and clerical jobs and any other employed sedentary occupation.

Employment class B

Supervision of Manual Work, Light Manual Work. Including doctors, nurses, surveyors and factory foremen and any other light manual occupation.

Employment class C

Travelling Sales, Manual Work, Self Employed, Tradesman (if not in class D). This includes Butchers, electricians, engineers, plasterers, mechanics, joiners.

Employment class D

Drivers, Heavy Manual Work. Including Lorry drivers, taxi drivers, pilots, fishermen, farm workers, builders, plant drivers and any other heavy manual occupations.