These are what we consider the main exclusions of our policy. You should check the policy wording for a full list.
- Using the cycle professionally or for any trade/business
- Any claim whilst using your cycle for organised events such as triathlons, sportives, cyclo-cross, road cycle races, time trials, track cycling and mountain bike races unless Cycle Event cover has been purchased
- Any claim relating to commuting to and from work unless Commuting cover has been purchased
- Theft where the security requirements have not been met
- Insured items for which you cannot provide evidence of ownership
- Theft of or damage to accessories or removable parts, unless the cycle is stolen or damaged at the same time and the Cycling Accessories cover has been purchased
- Tyres or inner tubes unless the cycle suffers accidental or malicious damage at the same time
- Damage that does not impair the function and/or performance of the cycle
- Personal accident cover for anyone aged under 16 or over 69
- Public Liability cover for anyone aged under 16 or over 84
- Any claim where the cycle has been abandoned