Evans Cycle Insurance Jargon Buster

Please note: the explanation of terms below is intended for guidance only; for contractual definitions, refer to the policy wordings.

Accessories Cover

An option that provides cover for the following cycling specific accessories against theft and accidental damage: helmets, hats or caps, shoes, overshoes, jerseys or vests, base layers, gilets, gloves, glasses & goggles, jackets, shorts, bib shorts, bibs, biblongs, tights, trousers, socks, wetsuits used exclusively for Triathlons, warmers, compression clothing, backpacks, water bottles and cages, hydration packs, cameras specifically designed for cycling and securely mounted to a helmet, frame or handlebars; cycling computer; cycling GPS unit, lights, cycle luggage, panniers, saddle bag, cycling tools, cycling armour & guards.


An option that provides cover for cyclists that participate in triathlons, road racing, time trials and other bicycle related competitive activities. Sorry, professional cyclists are not eligible for this option.

Annual payment

A one-off payment in advance to cover a year’s insurance. This is the cheapest way of obtaining cover.

Annual policy

All Evans Cycles Insurance policies, even when paid by direct debit, are annual policies and cover you for a full 12 months unless cancelled by either party under our standard cancellation terms.

Approved lock

A lock from the appropriate category of the approved locklist supplied by us. Any other lock which is not on the list would need our written approval.

Approved locklist

A list of locks which form the basis of our bicycle security requirements. You must use a lock from the relevant category that applies to your bicycle – you can use a lock from a higher category but not lower.

Click to go to our approved locklist.


You can choose to be insured for locations outside of the UK. If you require worldwide cover, you will automatically receive the EU cover also. The area of cover also extends to other policy options that you choose.


Any bicycle, tricycle, tandem, trailer cycle or push scooter that is powered by human pedalling and/or battery. The bicycle must not be subject to the requirements of the Road Traffic Act.

Business use

This allows you to use your bike for business purposes BUT excludes hire, reward, courier services or using your bike for the carriage of paying passengers.

Certificate of insurance

The document that contains the terms and conditions under which your bicycle is insured. See also policy wording.

Commencement date

The date when the policy starts.

Electric bike

A bicycle which is powered both by human pedalling and/or a battery, any electric bike you wish to insure must not be subject to the requirements of the Road Traffic Act.

Evidence of ownership

To pay out for an insurance claim, we need to be certain that you were/are the owner of the insured items. Evidence can be shown by, for example, an original receipt clearly showing the item and date of purchase. Alternative evidence can include a bank or credit card statement, photographs, a copy receipt from the retailer, packaging or literature.


This is the amount of money that you contribute towards the cost of a claim.


Parents, spouse, partner, siblings or children over 16 years of age and living at your insured location.

Forcible and violent entry

Entry to a property that clearly shows damage to the lock, building, room or vehicle, caused as a direct result of theft.

Immovable object

This can be:

  • A solid object that is not capable of being undone, removed or lifted under or over the bicycle
  • A properly fixed roof rack or bike rack
  • At train stations a bike rack supplied by the train station specifically for the purpose of securing bikes and within the jurisdiction of the transport police.

Insured location

This is a single, specified place which is the main residence where your bike is regularly stored overnight.

Period of insurance

The length of time for which you are covered, all Evans Cycles Insurance policies run for a period of 12 months even when being paid by monthly direct debit.

Personal accident

If you have an accident whilst using your bicycle, this provides cover up to £10,000 for death & permanent total disablement and £5,000 for loss of limb or eye.

Policy summary

This is a brief outline of the terms and conditions including any significant exclusions or conditions of an insurance policy. The summary is not a substitute for reading the full policy wording.

Policy wording

This sets out in full the terms and conditions of your insurance cover. It is essential that you read the wording and comply with any terms and conditions it sets out. We have made it as straightforward as possible to read and understand.

Much of the information provided on this site is for guidance – only the relevant policy wording can be taken as a binding contract.


The amount you pay (either a single amount in advance or by credit agreement with Thistle Insurance Services Limited) to provide annual insurance cover for your bicycle.

Public liability

This option is for cyclists aged over 16 and protects you against third party claims for injury or damage to other people’s property. So in the event that you accidentally ride into someone and cause injury or damage to their property, that person could claim against you for compensation. You can choose from 3 levels of cover available - £1, £2 or £5 million.

The public liability option also includes personal accident cover, which pays you an amount of money should you suffer an injury whilst using your bicycle.

Public liability is also known as third party liability.

Replacement value

This is the price an item would normally cost new in a store including VAT rather than a specially discounted or sale price or ebay bargain!

Sum insured

This is the total value of your bicycle and any fixed accessories.

Terms of business

The basis on which you do business with us. Click for more information.

Third-party liability

This is the same as public liability.