About our cover

This section gives a brief overview of our Evans Cycles Insurance cover. It outlines the Product Features, along with information about certain aspects of our cover.

Product features

Evans Cycles Insurance offers different levels of cover to suit the widest variety of cyclists. Our flexible cover allows you to choose the options that match your needs - for example, if you don't need racing or competition cover... why pay for it?.

The information displayed is for guidance only and no contract or contract term is implied - For full details of the cover please refer to the Insurance Product Information Document and Policy Wording.

For more information on what is or is not covered under the policy, please read the Policy Information section where you will find the Evans Cycles Insurance product information document and policy wording.

Evans Cycles Insurance is suitable for:

  • Cyclists that use their bicycle for leisure
  • Cyclists that commute to work
  • Cyclists that race or are involved in other competitive cycle sports

Evans Cycles Insurance provides:

  • Cover against theft and accidental damage up to £12,500
  • Replacement on a new for old basis for bicycles up to 3 years old (older cycles are subject to depreciation)
  • Bicycle hire - until items are replaced or repaired (subject to an approved claim)
  • Cycle Accessories option
  • Race Fees cover included with our Active option
  • Choice of area covered:
    • UK only
    • EU for 90 days (45 day maximum trip)
    • Worldwide for 90 days (45 day maximum trip)
  • Public liability and personal accident cover option (Only for applicants aged 16 and over)

What is not covered

We are committed to providing you with clarity on the cover you are looking to purchase and aim to tell you the key exclusions of this policy before you buy.

Exclusions relating to theft of your bicycle
  • Theft away from the home or insured location if the bike is left outside without being locked, through the frame, with an approved lock
  • Theft if your bike is left unattended, when away from your home, for more than 18 hours
  • Theft at the insured location unless there is forcible and or violent entry
Exclusions relating to Accidental Damage of your bicycle
  • Any cosmetic damage which does not impair the function or performance of the bike
  • Whilst in transit by any carrier unless it is securely packaged
  • Accidental damage when loaned or hired out to any other person
  • Any mechanical or electrical failure
  • Faulty or defective design
  • When using the bike for racing or competition unless you have purchased active cover
  • Using the bike for hire and reward
  • The first £25 on all claims OR
  • The first £100 or 20% whichever is the greater for bikes stored in wooden sheds, communal hallways, privately accessed gardens or communal outbuildings
  • Public liability claims are subject to a £500 excess for third party property damage only.

If your bike is less than 3 years old you will receive a new replacement for your bike. Thereafter your bike will be subject to an adjustment for depreciation due to wear and tear which means the settlement will be reduced dependent upon the age of the bike up to a maximum of 50% when the bike is over 10 years old.

Why buy Evans Cycles Insurance?

If you missed it earlier, here's our quick sales pitch:

  • It's designed specifically for Evans Cycles customers
  • Flexible cover options - you create the cover you want
  • We cover thousands of cyclists every year
  • Our simple to use site makes it easy!

Flexible cover options

With Evans Cycles Insurance you can customise your policy so it matches your needs - you can literally create your own cover!

If you change your mind

If you decide that for any reason, this policy does not meet your insurance needs then please confirm in writing to us within 14 days of issue. On the condition that no claims have been made or are pending we will then refund your premium in full.

Thereafter you may cancel the insurance cover at any time and providing there are no claims made, pending or likely, you will receive a pro-rata refund based on the number of days left for that period of insurance.

Simple and safe to use

We've created the Evans Cycles Insurance website to take all of the guesswork out of buying bicycle insurance. Our instant quote system guides you through the buying process - from a basic quote, to adding in the options that you need and then on to completing your online application.

Payment options

The cheapest way to pay is to make a single annual payment in advance. You can also choose to spread the cost by monthly instalments. An APR of 25.9% will apply to Direct Debit payments.

Pay by credit or debit card

This is a one-off payment in advance, which will be taken by credit card or debit card through our secure server when you have completed your application.

Paying by instalments

This enables you to spread the annual cost and pay monthly by Direct Debit. This option will cost you more than if you pay in advance and you will be required to enter into a new credit agreement with Thistle Insurance Services Limited. An APR of 25.9% will apply to Direct Debit payments.

Important note:

If you apply online you will be offered the choice to select the instalment option and complete the Direct Debit mandate - and you will then have instant cover. Your Direct Debit mandate confirmation and credit agreement will be sent separately by post. The first payment will be taken from your account 10 days (or the nearest working day) after the commencement of your policy. An APR of 25.9% will apply to Direct Debit payments.

Applying by phone

Applying by phone:
To apply by phone, call us on 0345 034 3238.

Security requirements

With all insurance policies there are terms and conditions that must be followed. If these conditions are not met, it is possible that any claim you make may be rejected. The links on this page provide a very brief outline of our security terms and conditions for full details of these please see Policy Wording

Requirements for where you keep your bicycle

  • If stored in a house or flat, the bicycle must be kept inside and any security devices made operational
  • If stored in a private garage or private shed, all external doors must utilise a 5 lever mortice deadlock or 5 lever padlock or the bicycle must be secured using one of our approved locks, through the frame, to an immovable object.
  • If stored in a communal hallway, privately accessed garden or communal outbuilding the bicycle must be secured using one of our approved locks, through the frame, to an immovable object.

If you leave your bicycle unattended away from the insured location it must:

  • Be secured using one of our approved locks, through the frame, to an immovable object
  • Not be left unattended for more than 18 hours.

Requirements when the bicycle is in or on a vehicle

Theft- Bicycles will only be covered when:

  • All doors and windows are left closed and locked
  • Theft occurred by forcible and violent entry
  • The bicycle is secured through the frame using an approved lock, to the roof or bike rack or if the vehicle is suitable, stored out of sight
  • All security devices installed in the vehicle are in operation
  • The vehicle used is completely road legal

If a bicycle is left in or on a vehicle between 9pm and 6am

In addition to the requirements above:
  • The vehicle must be fitted with a Thatcham category 1 alarm/immobiliser or
  • Category 2 immobiliser or
  • Category 3 steering lock.
  • If the immobiliser is not factory fitted, it must have been installed by an approved installer, and evidence of such must be provided in the event of a claim.

When outside of the UK

When it is impossible to comply with the Thatcham requirements above, evidence of a factory fitted alarm or immobiliser and evidence of its existence must be provided. The information displayed is for guidance only and no contract or contract term is implied - only the policy wording can be taken as a binding contract.

Approved locklist

It is imperative that you have the right lock for your bike. The policy requirements will be based upon the value of bike you are looking to insure. To view what level of lock security you will need please view the link to our approved locklist below.

For policies incepted on or after 6th October 2015 and before 1st August 2016:

Approved locklist

For policies incepted on or after 1st August 2016 and before 19th June 2017:

Approved locklist

For policies incepted on or after 19th June 2017:

Approved locklist

Public liability and personal accident

What is public liability?

Public liability is also known as third party liability and protects you against third party claims for injury or damage to property. For example, if you were to accidentally ride into someone or something and cause injury or damage, that person could look to claim compensation from you.

Evans Cycles Insurance offers a choice of £1, £2 and £5 million public liability cover.

What is personal accident cover?

If you were to personally suffer injury whilst using your bicycle, Evans Cycles Insurance provides cover up to £10,000 for death and permanent total disablement and £5,000 for loss of limb or eye. This is included as standard if you choose to take the public liability option with your Evans Cycles Insurance.