FAQs

General

Why should I use Lexham Insurance?

There are many insurance companies with different attitudes to different types of risk. Some are keen on certain types of bikes, or certain ages of rider, some aren't keen if you're using your bike to do your job, and so on. We are a specialist broker - we know these insurers and we can find you a policy that's suitable for you, saving you having to check out many insurers.

Price will obviously be important, but it' also vital that you have cover that's suitable for you and what you'll be using your bike for.

You're welcome to get a quote and take up insurance on our website, but there's no extra charge if you ring us - this way we can be sure that everything is properly dealt with and that you understand the important matters.

If you have to make a claim we want the insurer to pay it and we're sure you do too, so we don't want them to have any reason to raise a query. It's important you answer every question fully when cover is arranged and the best way to do this is to speak to us. Suffering the loss of or damage to your bike can be stressful, so we're also here to help and guide you at claim time.

We're a friendly bunch - try us!

How can I potentially reduce the cost of the insurance?

Insurers base their premiums on many factors, so changing any of these can affect the cost.

Clearly the level of cover you choose is one of these - Third Party Only (TPO) cover is normally the cheapest, but this won't cover you for loss of or damage to your bike. Third Party Fire & Theft cover is more expensive and Comprehensive cover (which also covers accident damage to your bike) gives the widest cover so is the most expensive.

Covers other than TPO will have an excess (the amount of any claim that you must meet). Selecting a higher excess can reduce the premium. Keeping your bike garaged while it’s not being ridden will often reduce the premium, but in some areas with a high crime rate insurers may require this anyway. Extra locks or an alarm on your bike might also have an effect, though not always.

If you haven't yet bought a bike and are flexible, you could get quotes for different models. Cosmetic differences won't normally affect the premium, but power output and some styling may well.

If you don't use your bike for commuting, or don't do many miles on it each year, some insurers may give a lower premium for this. You'll also keep your premium lower if you're a good driver and don't speed, don't get motoring convictions and don't have claims! In any event, if you speak to us we'll cover all the options with you to find suitable cover at the best price.

Why is the Quote form so long?

The questions are set by the insurance companies, who need all this information in order to calculate the premium. We'd like it to be shorter too but sorry, there's nothing we can do about it!

What are the types of Insurance?

There are 3 main covers.

Third Party Only (TPO) is what the law says you must have if you use a motor vehicle. This cover protects you if you are responsible for an incident that injures someone or damages their property. Without insurance they would sue you, but instead your insurer deals with their claim against you. As serious injuries can involve compensation running into millions of pounds, this is very valuable cover that we should all have even if the law didn't insist on it.

Third Party Fire & Theft (TPF&T) also covers you if your bike is stolen or is damaged by fire or attempted theft. Unless your bike is not worth much, this is probably the most popular cover, as most of us would want to receive some money if our bike was stolen.

Comprehensive (often called Comp), in addition, covers you against other sorts of damage to your bike, such as if you have a road accident. Your insurer will arrange for repair if possible, or will pay the pre-accident market value of your bike, less the excess. This gives you the widest cover and may well be required if you have arranged finance to buy the bike.

TPF&T and Comp covers will have an excess, often of many hundreds of pounds. You can take out Excess Protect insurance that will pay you back the amount of this excess once your bike claim has been settled, effectively reducing your bike insurance excess to nothing!

Please explain No Claim Bonuses!

This discount (NCB) is given by insurers to reward customers who do not make a claim. A percentage is given off the premium for each year you've been insured but have not made a claim, up to a maximum. If you then make a claim, you may lose some or all of this bonus at next renewal.

It's important to understand that it's a no claim bonus, not a no blame bonus. If any claim is made under your insurance (such as by you following the theft of your bike, or by a pedestrian you injured in an accident), you are likely to lose your NCB. However, if the accident was another person's fault, your insurer will normally be able to recover what they paid from the other person's insurer, in which case your NCB will not be affected.

One complication can be when the accident is not your fault, but renewal of your insurance is due before your insurer has made a recovery from the other person's insurer. In this case, your insurer will reduce the NCB and you will have to pay a higher renewal premium, but when they make the recovery, they will restore your NCB to what it should have been and refund the extra premium you paid.

Why do my documents say TPO when I've paid for TPF&T (or Comp)?

For some clients, the most competitive premium comes from arranging the TPO cover with one insurer and the additional Fire & Theft (or wider damage cover) with another insurer. A consequence of this is that we have to issue 2 sets of documents - one from the TPO insurer (which will include the “insurance certificateâ€) referring to TPO cover, with another set (but without a certificate) referring to the “damage to your own bike†cover. Other than this extra set of documents, there's no practical difference from insuring with one insurer.

Reg Number or Chassis Number?

You don't need either a registration number or chassis number to get a quote. However, we must have one of these before the insurance can be started. If all you've got is the chassis number, you must supply the registration number by 2 weeks after the start date or the insurer will cancel your insurance.

How can I pay for my insurance?

You can pay by credit card (a small fee applies for this), debit card, cheque, or, if you want spread the cost, you can pay a deposit by one of these then arrange a loan through us repayable by 10 monthly direct debits (if you are under 18 you will need a Guarantor).

Why do I need a Guarantor?

This is the law - anyone aged 16 or 17 must have a Guarantor if they wish to arrange a loan or other finance. The Guarantor agrees to guarantee repayment of the loan if you fail to repay it.

Can I change the date of my loan repayments?

As long as your loan will be repaid before the final month of your insurance, you can normally choose to have the direct debit coming from your account around the 1st, 11th or 21st of each month.

What Licence do I need?

Unfortunately we cannot give advice on this as the position is quite complex even for UK residents, with more complications arising from EU and other foreign licences. It is up to you to ensure that you have a valid licence - if you do not, your insurance will probably not be valid. Do NOT assume that any foreign licence that allows you to ride a moped/scooter/motorbike in that country will necessarily be valid in the UK. For larger/more powerful 2-wheelers, different licences are needed. Your full car licence may or may not allow you to ride certain types of 2-wheelers.

The main reference point is the DVLA - try their website gov.uk/dvla to begin with, but for anything out of the ordinary you will need to contact them.

Do I need a CBT (Compulsory Basic Training) certificate?

Again we must refer you to the DVLA - full details are available on their website gov.uk/dvla. These certificates can expire so you may need to get another one.

My bike has modifications or is not a standard UK model

Insurers vary in their attitude to such things, so give us all the information (preferably by phone) and we'll do all we can to find you the best deal. One example why some insurers may not be keen is that spares for an imported or uniquely-adapted model may not be readily available or may be more expensive. A unique paint job will obviously be expensive to repair and insurers may not wish to cover this extra cost.

Most minor modifications are fine, but to be on the safe side, please tell us of anything other than common accessories (such as a rack and topbox).

Why have I got more than one excess?

If you have chosen TPF&T or Comprehensive cover, you will have at least one excess. This is the amount of any claim that you must pay. There will always be an excess applicable to theft claims. An excess will also apply to damage claims - this may be the same as the theft excess or it may be lower. Also, you may have chosen to take a voluntary additional excess in return for a lower premium. If your insurance covers other people to use your bike, i's possible that a different excess could apply to them. So some policies can have several excesses - do make sure you understand what excess(es)

Am I covered use my bike abroad?

The answer to any question like this can be found in your policy documentation. You are always covered for the minimum legal liability required in each EU country and certain other countries. Most insurers also provide you with your full cover (eg TPF&T or Comprehensive if you have this) for 30, 45 or even more days in any year. Either check your policy wording, or ask us to check for you.

I've heard of different types of Use - what are they?

Every motor insurance covers you for social, domestic & pleasure use. This is using your bike for your own personal activities excluding commuting.

The next level up also includes commuting to a regular place of work or study (though some insurers include this as standard).

If you use your bike for travelling to and from different places of work/study, or for any occasional work/study-related activities while you're at work/study, then you will need personal business use.

If you use your bike for business purposes (eg deliveries), or for doing Knowledge (before getting a taxi licence), then contact us - give us full details and we'll ensure you have the appropriate cover - it may not cost any more, but it's vital you're properly protected. Your insurance certificate will always clearly state what Use you're insured for, so make sure this is correct.

How do I claim?

In brief, contact us anytime you have an accident or have your bike stolen and we'll guide you. Or tell your insurer direct - their contact details are in their policy booklets and they will need your policy number.

If anyone else is injured or their property damaged, the insurer who provides your Third Party cover will need to be told as soon as possible - if the other person thinks you were to blame (even if you disagree), your insurer will have to deal with them.

If you are injured too, tell us and we can often offer valuable assistance to help you recover damages.

For loss of or damage to your bike, your own insurer needs to be told. If you contact us first, we may be able to arrange a free courtesy bike while yours is being repaired (if the accident was not your fault, and not available for theft claims) and help you recover any damages that you may be entitled to.

We contract out some of these services, but this enables us to offer a 24-hour claims helpline - just call 01379 647887.

How do I cancel?

Just write to us asking us to cancel from a certain date (we can't backdate cancellation). If you've received an insurance certificate, simply return write your instruction & signature on this. If we sent you a certificate by email, please also confirm in your note that you've destroyed every certificate you have printed. If you don't have or can't find the certificate, just write to us requesting cancellation, confirming that you've destroyed/mislaid/never had the certificate. We can't cancel until we receive one of these.

If a refund is due to you, we will send you a cheque (unless you give us specific instructions in writing to do otherwise). If a loan was arranged to pay the premium, please do not cancel any direct debits as we will stop them for you when appropriate; we will send the refund to the loan company, with any surplus to you. If you've made a claim in this year of insurance, there will normally be no refund.

Why do I still owe money on a cancelled policy?

If you cancel after having made a claim, or late in your year of insurance, there may be no refund due, so the full annual premium must be paid. Even where a refund is due, this may sometimes be smaller than the outstanding amount of any loan arranged to pay the premium, so it will be necessary for you to repay the balance of the loan.

We will send any refund to the loan company and you will be told how much is left to pay. The loan contract states that the outstanding balance must be repaid immediately, but we will normally be willing for the direct debits to continue for the balance of the loan period.

Can someone else deal with you on my behalf?

It's always best if you deal with us. We realise that insurance can be confusing or intimidating, but we're a friendly and helpful bunch! It's also the case that another person may not know some vital information (such as a conviction, previous claim or modification to your bike) - if we're not told about this, your insurance may not be valid. However, we appreciate that in some circumstances you may not be able to contact us by phone or email. In this case, call us to tell us who you want to act on your behalf and agree a password for them to use.

Wherever possible, though, it's best if you contact us - by phone between 8am and 8pm weekdays and 9.30 to 4.30 Saturdays, or by email or letter.

Do you offer short term policies?

All our motorcycles are 12 month policies. They can be cancelled at any time however there may be charges involved in doing so.
The only short term policies we offer are for learner drivers on cars, where policy can be taken for 1, 2 or 3 months.

What extra products can be added to my policy?

Alongside our insurance policies we offer three additional products to maximise your cover:

  1. Breakdown, home start and puncture recovery service. This is provided by a bike specialist company who will try and fix your vehicle at the side of the road and if they are unable to do so will take you and your vehicle either back to your home address or to a garage for repairs, whichever is closer.
  2. Personal accident cover. This is a valuable benefit and not covered under bike insurance in the event of a fault incident. The product provides a weekly pay out if you are unable to work due to an injury caused in a RTC and also pay outs up to the value of £40,000 for more serious injuries.
  3. Excess protection policy. An excess protection policy means that in the event of you making a claim on your insurance policy the cost of the policy excess will not be lost. Once your claim has been settled you can then claim the excess back from this product whereby being refunded money which you would have normally have lost.

For further information on these products or if you would like to go ahead please contact our sales team on 0845 601 3095, Monday to Friday 8am - 8pm and Saturdays 9:30am - 4:30pm.

Can I use my car/bike NCB on my bike/car policy?

This does depend on your insurer. Unfortunately we do not currently have a bike insurer who will use car no claims bonus however we do have an extra discount we can apply if you have road experience on any vehicle.

We do have a specialist car scheme which allows us to mirror bike no claims bonus but we will need to speak to you to see if we can get you a quote on this scheme.

If you would like a quote on either a car or a bike please contact our sales team on 0845 601 3095, Monday to Friday 8am-8pm and Saturday 9:30am - 4:30pm.

Where are my policy documents?

If your policy has recently been taken out online we will be due to contact you to check through some details with you and arrange the delivery of your documents. If you have not heard from us and required immediate assistance please contact us on 0845 601 3095.

If documents have been emailed to you please check your junk and spam folders as we often find that emails from us can be filtered into these folders.

If your documents have been posted to you they are issued 1st class with the royal mail.

Can I email the documents you requested? E.g. licence, NCB proof, photos etc.

Documents including licences, no claims bonus proof, signed LXM management forms and photos for classic vehicles can be emailed to enquiries@lexhaminsurance.co.uk.

I asked for comprehensive/third party, fire & theft cover but my documents only state third party only?

The most common reason for this is that your policy has been set up with a split insurer. This means that you have two insurers, on of which will be Amtrust who cover different aspects of the policy. You should have documents for both insurers, including a schedule from Amtrust and certificate of insurance for the other provider. Should you have any further queries we are available on 01379 652 500, Monday to Friday 8am - 8pm and Saturdays 9:30am - 4:30pm.

How do I make a change on my policy?

All changes to current policies must be made over the phone with the policy holder present. Our customer services team are available on 01379 652 500, Monday to Friday 8am - 8pm and Saturdays 9:30am to 4:30pm.

How do I cancel my policy?

Policies can be cancelled over the phone by the policy holder, our cancellation team are available on 01379 643 610, Monday to Friday 9am - 5:30pm.

If you chose to pay for your policy via the loan agreement, repayable by monthly instalments then the refund is sent back to the loan company. As there is an interest charge on the loan agreement we often find that the refund is not enough to clear the outstanding balance of the loan. Under the terms of the loan agreement you are then liable to pay the outstanding amount. Should you experience any difficulties paying an outstanding balance please contact our credit control team on 01379 652 500 who would be happy to discuss your options with you and come to an affordable solution.

Cycle Insurance

What kind of cycle do you cover?

We cover all cycles and electrically assisted cycles/pedelecs from £0 up to £10,000

What type of cycle lock do I need?

You are required to use a Sold Secure approved lock - we have three ratings of lock depending on the price of your bicycle, Bronze, Silver or Gold.You are required to use a Sold Secure approved lock - we have three ratings of lock depending on the price of your bicycle, Bronze, Silver or Gold.

Insured value up to £250 require a Bronze rated lock

Insured value between £251-1500 require a Silver rated lock

Insured value over £1501 require a Gold rated lock.

Where does my bikes need to be kept when it is at my home address?

Your bicycle needs to be kept inside a locked building, such as inside your house or garage. It needs to be kept out of sight so as not to be seen by the public.

The bike does not need to be locked to an immovable object inside the building, if stored behind a 5 lever mortice lock door or 5 lever padlocks if in a shed.

If allowable in a communal hallway or outbuilding, the bicycle must be secured through the frame by an approved lock to an immovable object.

My cycle is covered on my home insurance, why do I need cycle insurance?

The cover your household insurance provides may not be adequate to cover the cost of repairing or replacing your bicycle. A lot of household polices will only pay out up to a specific limit per bike (usually £500), which means you could be under-insured in the event of a claim.

Many household insurers restrict the cover when your away from the home, unless you pay an additional premium, and they will not cover you abroad or when competing in Sportives or Triathlons.

Should you make a claim under your household insurance for your cycle you would lose your no claims bonus which could be very costly, whereas making a claim against your cycle policy would leave your household NCD intact.

Do you insure self-built bikes?

Yes, when insuring custom built bikes we ask that you insure them for the full retail cost as new to replace with the same or similar frame and components as you currently have. Unfortunately you cannot include the time and effort it would take to build up your bike again.

In the event of a claim you do need to provide us with proof of ownership for your bike and lock, so as your bike does consist of various components we would require receipts, packaging, instruction manuals, or photographs for your bike and the components attached, in order to be able to replace the bike with the same or similar.

What do I need as proof of purchase for my bike?

In the event of a claim, you would need to produce an original or duplicate receipt for the insured bicycle and any accessories you wish to claim for. The receipt should show the date, price paid or other evidence which clearly demonstrates ownership.

If I don't have a receipt for my lock, what are my options?

We will accept photos of the lock and/or bank statement to show the transaction when the lock was purchased. We recommend that you take photos as soon as you take out the insurance in case the lock is stolen along with the bicycle, otherwise you might not be able to prove ownership after the theft has taken place.

If you are supplying photographs as proof of ownership, you should at the very least be sure to provide one close up showing make and model, and one of it locked to the bicycle, as you would usually secure it (through the frame). All photographs used in support of a claim should be clearly date stamped.

Is there an excess on the cycle insurance policy?

Yes

5% of the bicycle value with a minimum of £25 in event of any claim for accidental damage or theft.

£250 in the event of any claim for damage to third party property (Public Liability).

£500 in the event of any claim for third party injury.

Does the policy cover more than one bicycle?

Yes, we can cover up to 4 cycles with a combined value of no more than £10,000 on one policy. If you have more than £10,000 worth of cycles, please call one of our experienced representatives, they will review your details and provide you with a competitive quote.

Will the policy cover me if I take my bicycle abroad?

The policy will provide you with European Cover for 90 Days with a maximum of 30 days in any one trip.

Includes all European Member Countries plus Switzerland, Iceland, Norway, Monaco, Madeira, Gibraltar and Andorra.

Am I covered in the event of non-fault accident?

Lexham offer Free Legal Advice and Assistance. This provides access to a solicitor in the event of a non-fault accident to pursue the recovery of all losses you may sustain including personal injury representation and loss of earnings.

Can I choose to pay monthly?

Yes we offer a monthly Direct Debit payment scheme. If you do not wish to pay for your policy in one lump sum you can select this option. The first month's deposit premium is collected when the policy is taken out and you can then arrange to change your Direct Debit payment to a date of your choice. The remaining premium will be collected in monthly instalments.

How will you deal with my claim?

Our dedicated claims department will deal with your claim swiftly and efficiently ensuring you receive a first class service.

I have accessories on my bicycle that are non-removable e.g.mud guards & pedals. If my Bike was stolen, would I need to have already informed you of these additions, or can I claim the insured value with the additions anyway?

You need to detail your bicycle and any fixed accessories when taking out the policy, if you add anything after inception please let us know so we can adjust the policy accordingly.

You need proof of ownership of the items. This can include receipts, packaging or photos of the items attached to the bicycle.

I want to insure my cycle but don't have a serial number. Can I still insure it with you?

The majority of cycles will have a serial number however there are a minority that don't. If your bicycle doesn't have a serial number or you are unable to locate it, please call our team and we will be happy to guide you through what to do.

Do you cover accessories e.g. lights, panniers, etc?

Yes, we cover fixed accessories. You must make us aware of the accessory type, make and model as well as value at time of application for the policy. Please note that these fixed accessories are only covered when fixed to your bike and stolen at the same time.

Im buying my bicycle through a Cycle to Work scheme, will this affect my premium?

No, it won't affect your premium.

Does your policy cover my cycle whilst transported in a plane?

Your cycle is covered for Theft and Accidental Damage whilst in the aircraft and in the care of the airline. We strongly recommend that you securely pack your bicycle in a secure bike bag or box to prevent any unnecessary damage.

There are three requirements that you must meet if your luggage is lost, stolen or damaged while in the care of the airline, you must:

Complete a Property Irregularity Report provided by the airline;

Give written notice of the lost/stolen/damaged goods to the airline within the time limit contained in their conditions of carriage;

Keep all travel tickets and tags for submission if you are going to make a claim under this policy.

Is my cycle only covered at the address I've given? Is my bicycle covered whilst locked at work?

Providing you follow the security requirements, your bike is covered whether at home, work or out shopping.

It's very important that wherever you leave your cycle it is securely locked (using a Sold Secure approved lock) and not left unattended for more than 12 consecutive hours, or 24 hours at a railway station.

If your bicycle is kept at another location for an extended period of time, at a second home for example, please notify us of this other address when completing a quote online or over the phone.

I have previously made a claim, will this affect my cover?

It's always best if you deal with us. We realise that insurance can be confusing or intimidating, but we're a friendly and helpful bunch! It's also the case that another person may not know some vital information (such as a conviction, previous claim or modification to your bike) - if we're not told about this, your insurance may not be valid. However, we appreciate that in some circumstances you may not be able to contact us by phone or email. In this case, call us to tell us who you want to act on your behalf and agree a password for them to use.

Wherever possible, though, it's best if you contact us - by phone between 8am and 8pm weekdays and 9.30 to 4.30 Saturdays, or by email or letter.

Do you insure professional cyclists?

No, sorry. We can only insure cyclists that do not earn their living solely from cycling.

Where can I find the serial number for my bicycle?

The serial number can usually be found on the tube that connects your seat pin and your pedals, or on the receipt for your bike. It is a relatively long alphanumeric number which the cycle shop you bought the cycle from should have a record of too.

What parts/accessories are not covered under the insurance?

Many cycling accessories which are not fixed to the bicycle do not qualify for cover. These include drink bottles, bags attached by Velcro, tools secured in Velcro/zipped bags or containers, helmet, pump and clip-on lights.

If in doubt, please get in touch.

If my cycle is stolen from the transition area of a triathlon is it covered?

Yes, provided the area is marshalled.

How do you evaluate the damage to a bicycle in the event of a claim, does someone come and inspect it or can I submit photos?

A cycle claims expert will be appointed to validate the nature and extent of the loss.

Do you only cover UK residents?

Yes. You must have been a resident of the United Kingdom for a minimum of 12 months at the time of policy inception. You must have a permanent residential address in the UK and have not been travelling abroad continuously for more than 12 months.

Am I covered if I lend, loan or hire my bicycle to another person?

If you choose the 'family members' option, your bicycle will be covered for use by other members of your family against theft and accidental damage only. A family member means parents, spouse, partner, siblings or children aged 16 years or over but only when living at the insured location.

What is public liability cover?

Public liability is known by a couple of different names, personal liability or third party liability. It provides cover against damage to persons or property if proven to as a result of your actions. Lexham include £1m as standard but you can choose to increase this £2m or £5 million for an additional premium.

Electric Cycle Insurance

What kind of cycle do you cover?

We cover all cycles and electrically assisted cycles/pedelecs from £0 up to £10,000

What type of cycle lock do I need?

You are required to use a Sold Secure approved lock - we have three ratings of lock depending on the price of your bicycle, Bronze, Silver or Gold.You are required to use a Sold Secure approved lock - we have three ratings of lock depending on the price of your bicycle, Bronze, Silver or Gold.

Insured value up to £250 require a Bronze rated lock

Insured value between £251-1500 require a Silver rated lock

Insured value over £1501 require a Gold rated lock.

Where does my bikes need to be kept when it is at my home address?

Your bicycle needs to be kept inside a locked building, such as inside your house or garage. It needs to be kept out of sight so as not to be seen by the public.

The bike does not need to be locked to an immovable object inside the building, if stored behind a 5 lever mortice lock door or 5 lever padlocks if in a shed.

If allowable in a communal hallway or outbuilding, the bicycle must be secured through the frame by an approved lock to an immovable object.

My cycle is covered on my home insurance, why do I need cycle insurance?

The cover your household insurance provides may not be adequate to cover the cost of repairing or replacing your bicycle. A lot of household polices will only pay out up to a specific limit per bike (usually £500), which means you could be under-insured in the event of a claim.

Many household insurers restrict the cover when your away from the home, unless you pay an additional premium, and they will not cover you abroad or when competing in Sportives or Triathlons.

Should you make a claim under your household insurance for your cycle you would lose your no claims bonus which could be very costly, whereas making a claim against your cycle policy would leave your household NCD intact.

Do you insure self-built bikes?

Yes, when insuring custom built bikes we ask that you insure them for the full retail cost as new to replace with the same or similar frame and components as you currently have. Unfortunately you cannot include the time and effort it would take to build up your bike again.

In the event of a claim you do need to provide us with proof of ownership for your bike and lock, so as your bike does consist of various components we would require receipts, packaging, instruction manuals, or photographs for your bike and the components attached, in order to be able to replace the bike with the same or similar.

What do I need as proof of purchase for my bike?

In the event of a claim, you would need to produce an original or duplicate receipt for the insured bicycle and any accessories you wish to claim for. The receipt should show the date, price paid or other evidence which clearly demonstrates ownership.

If I don't have a receipt for my lock, what are my options?

We will accept photos of the lock and/or bank statement to show the transaction when the lock was purchased. We recommend that you take photos as soon as you take out the insurance in case the lock is stolen along with the bicycle, otherwise you might not be able to prove ownership after the theft has taken place.

If you are supplying photographs as proof of ownership, you should at the very least be sure to provide one close up showing make and model, and one of it locked to the bicycle, as you would usually secure it (through the frame). All photographs used in support of a claim should be clearly date stamped.

Is there an excess on the cycle insurance policy?

Yes

5% of the bicycle value with a minimum of £25 in event of any claim for accidental damage or theft.

£250 in the event of any claim for damage to third party property (Public Liability).

£500 in the event of any claim for third party injury.

Does the policy cover more than one bicycle?

Yes, we can cover up to 4 cycles with a combined value of no more than £10,000 on one policy. If you have more than £10,000 worth of cycles, please call one of our experienced representatives, they will review your details and provide you with a competitive quote.

Will the policy cover me if I take my bicycle abroad?

The policy will provide you with European Cover for 90 Days with a maximum of 30 days in any one trip.

Includes all European Member Countries plus Switzerland, Iceland, Norway, Monaco, Madeira, Gibraltar and Andorra.

Am I covered in the event of non-fault accident?

Lexham offer Free Legal Advice and Assistance. This provides access to a solicitor in the event of a non-fault accident to pursue the recovery of all losses you may sustain including personal injury representation and loss of earnings.

Can I choose to pay monthly?

Yes we offer a monthly Direct Debit payment scheme. If you do not wish to pay for your policy in one lump sum you can select this option. The first month's deposit premium is collected when the policy is taken out and you can then arrange to change your Direct Debit payment to a date of your choice. The remaining premium will be collected in monthly instalments.

How will you deal with my claim?

Our dedicated claims department will deal with your claim swiftly and efficiently ensuring you receive a first class service.

I have accessories on my bicycle that are non-removable e.g.mud guards & pedals. If my Bike was stolen, would I need to have already informed you of these additions, or can I claim the insured value with the additions anyway?

You need to detail your bicycle and any fixed accessories when taking out the policy, if you add anything after inception please let us know so we can adjust the policy accordingly.

You need proof of ownership of the items. This can include receipts, packaging or photos of the items attached to the bicycle.

I want to insure my cycle but don't have a serial number. Can I still insure it with you?

The majority of cycles will have a serial number however there are a minority that don't. If your bicycle doesn't have a serial number or you are unable to locate it, please call our team and we will be happy to guide you through what to do.

Do you cover accessories e.g. lights, panniers, etc?

Yes, we cover fixed accessories. You must make us aware of the accessory type, make and model as well as value at time of application for the policy. Please note that these fixed accessories are only covered when fixed to your bike and stolen at the same time.

Im buying my bicycle through a Cycle to Work scheme, will this affect my premium?

No, it won't affect your premium.

Does your policy cover my cycle whilst transported in a plane?

Your cycle is covered for Theft and Accidental Damage whilst in the aircraft and in the care of the airline. We strongly recommend that you securely pack your bicycle in a secure bike bag or box to prevent any unnecessary damage.

There are three requirements that you must meet if your luggage is lost, stolen or damaged while in the care of the airline, you must:

Complete a Property Irregularity Report provided by the airline;

Give written notice of the lost/stolen/damaged goods to the airline within the time limit contained in their conditions of carriage;

Keep all travel tickets and tags for submission if you are going to make a claim under this policy.

Is my cycle only covered at the address I've given? Is my bicycle covered whilst locked at work?

Providing you follow the security requirements, your bike is covered whether at home, work or out shopping.

It's very important that wherever you leave your cycle it is securely locked (using a Sold Secure approved lock) and not left unattended for more than 12 consecutive hours, or 24 hours at a railway station.

If your bicycle is kept at another location for an extended period of time, at a second home for example, please notify us of this other address when completing a quote online or over the phone.

I have previously made a claim, will this affect my cover?

It's always best if you deal with us. We realise that insurance can be confusing or intimidating, but we're a friendly and helpful bunch! It's also the case that another person may not know some vital information (such as a conviction, previous claim or modification to your bike) - if we're not told about this, your insurance may not be valid. However, we appreciate that in some circumstances you may not be able to contact us by phone or email. In this case, call us to tell us who you want to act on your behalf and agree a password for them to use.

Wherever possible, though, it's best if you contact us - by phone between 8am and 8pm weekdays and 9.30 to 4.30 Saturdays, or by email or letter.

Do you insure professional cyclists?

No, sorry. We can only insure cyclists that do not earn their living solely from cycling.

Where can I find the serial number for my bicycle?

The serial number can usually be found on the tube that connects your seat pin and your pedals, or on the receipt for your bike. It is a relatively long alphanumeric number which the cycle shop you bought the cycle from should have a record of too.

What parts/accessories are not covered under the insurance?

Many cycling accessories which are not fixed to the bicycle do not qualify for cover. These include drink bottles, bags attached by Velcro, tools secured in Velcro/zipped bags or containers, helmet, pump and clip-on lights.

If in doubt, please get in touch.

If my cycle is stolen from the transition area of a triathlon is it covered?

Yes, provided the area is marshalled.

How do you evaluate the damage to a bicycle in the event of a claim, does someone come and inspect it or can I submit photos?

A cycle claims expert will be appointed to validate the nature and extent of the loss.

Do you only cover UK residents?

Yes. You must have been a resident of the United Kingdom for a minimum of 12 months at the time of policy inception. You must have a permanent residential address in the UK and have not been travelling abroad continuously for more than 12 months.

Am I covered if I lend, loan or hire my bicycle to another person?

If you choose the 'family members' option, your bicycle will be covered for use by other members of your family against theft and accidental damage only. A family member means parents, spouse, partner, siblings or children aged 16 years or over but only when living at the insured location.

What is public liability cover?

Public liability is known by a couple of different names, personal liability or third party liability. It provides cover against damage to persons or property if proven to as a result of your actions. Lexham include £1m as standard but you can choose to increase this £2m or £5 million for an additional premium.