My bike isn’t brand new, is it worth me insuring it?
Every Bike is worth insuring! Whether you ride to work, take part in Sportives or just ride for fun; we have a range of insurance packages to reflect this. From our Assist package, which covers you for Third Party Liability, all the way to our Elite insurance. All of our insurance products were developed by cyclists with the aim of giving you peace of mind whilst you are out riding.
How do I value my bicycle?
For bicycles less than three years of age we suggest listing at the recommended retail price.
For bicycles older than three years from date of purchase we recommend listing them at their market value, the price usually paid for a bicycle of the same age, type and condition as yours.
My bike is custom, how do I go about insuring it?
The Frame is the core of the Bike, please specify the make and model, then you’ll need to list the individual components you’ve added to the Frame to create the complete Bicycle. It is essential that you retain any proof of purchase or receipts for the frame and components that you are insuring. If in doubt, please call or email our UK based customer service team, who will be more than happy to help.
Do I have to be a certain age to be able to get insurance cover?
Unfortunately we can only insure cyclists aged 16 and 85.
Why do I need proof of ownership?
If you are making a claim it is vital that we have this information, which is why we ask for it when you take out a policy. Without proof of ownership, we may not be able to pay a claim.
What lock is appropriate for my bicycle?
If you are unsure of which lock is appropriate for your bicycle please head to our Approved Lock List page
I have previously claimed for a stolen bike, will my premium price be affected?
It is very important to fully disclose your previous claim history. Your premium price will not be affected.
Is there an interest charge for paying monthly?
With Wiggle Cycle Insurance there is no charge if you decide to pay premiums on a monthly basis. Some insurance providers, including Cycleguard charge up to 25.9% APR if you pay monthly. We don’t believe in tricksy charges.
Does your cover protect me when I am racing?
If you select our Elite cycle insurance, or take out the optional ‘Active cover’ you will be covered for amateur racing events. Please note we cannot insure any professional cyclists (always refer to the Policy Wording for contractual definitions).
Will I be paying extra to insure my bike in London?
We will never charge a postcode premium.
What is the difference between a Component and Accessories?
Component: A part of your bicycle which is essential to its function and add to the value of your bicycle. If you have upgraded any components, you must increase the bikes value accordingly. This includes seat posts, saddles, handlebars etc If you wish to upgrade in the future, give us a call and tell us all about your fancy new Carbon Fibre Crankset then we can update your policy details so it is covered. Adding custom parts to your policy does not increase your premium and the value of such parts should be considered in the sum insured of your bicycle.
Accessories: An additional item added to your bicycle such is a trip computer or bicycle lights which are not essential to the function of your bicycle, and which can be removed. Accessories can be added to your policy at a premium based in the sum insured that you specify for that accessory, and will be covered in the same loss event as your bike for eligible claims.
Can I insure my cycling clothing, shoes or helmet?
Yes you can, please list these when you are taking out your policy or give one of our UK based customer service team a call to add any new accessories to your policy.
What does the bike need to be locked to when I am away from home?
We require the bicycle to be locked through the frame and any quick release wheels to an immovable object.
What shall I do if my lock isn’t ‘Sold Secure’?
Unfortunately, we cannot provide cover when a bike is locked with an unapproved lock. For more information on Sold Secure please click here or to see our Approved Lock List click here
I purchased my Bicycle through the Cycle to Work scheme, can I still get a Wiggle Cycle Insurance Policy?
Of course! We have a range of packages that could be used to give cyclists peace of mind should the bad stuff happen when they are riding. Did you know
… if your bicycle is stolen you are still obligated to pay the remaining monthly payments. Cycle to Work strongly recommends taking out bicycle insurance for this reason. You can even purchase your cycle to work bicycle (and kit) from Wiggle by visiting Wiggle Cycle to Work