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.
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 Summary of Cover 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 summary of cover document and policy wording.
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
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.
If you missed it earlier, here's our quick sales pitch:
With Evans Cycles Insurance you can customise your policy so it matches your needs - you can literally create your own cover!
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.
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.
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.
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.
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.
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.
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
Theft- Bicycles will only be covered when:
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.
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 22nd October 2014 and before 6th October 2015:Approved locklist
For policies incepted on or after 6th October 2015:Approved locklist
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.
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.