Purchase the Bike Pack and Rider Protection Pack together to receive all of our cover benefits.

With our Bike Pack; whether you are insuring 1 bike or 5, with up to £25,000 cover for your bike and accessories, we’ll look after your bike like our own.

• Complete cover - peace of mind that your bikes and accessories are covered if stolen, accidentally damaged or maliciously damaged. You are covered when your bike is at your insured location, out and about, in or on a vehicle, or in the custody and control of an airport, railway or seaport operator.
• Unlimited worldwide cover – we will cover your bike and accessories anywhere in the world.
• Race cover – whether you race or are participating in a sportive, organised cycling event or a charity challenge, we will insure you no matter what.
• Race fee reimbursement – if you have paid to participate in an organised cycling event and are unable to take part; we will cover the cost of the race fees, travel, accommodation and hire an alternative bike.
• Replacement bike hire - in the event your cycle is stolen or damaged; we’ll provide you bike hire so that you are not left without wheels.
• New for old cover - if the bike or accessories are more than 3 years old, we’ll repair or replace on an equivalent type or specification basis.
• Total sum insured – of your total sum insured we will pay up to 30% for the value of any accessories which includes clothing, computers, lighting and your parts as well as bike boxes and spare wheel sets.
  E.g. Total sum insured of £10,000 could include £7,000 bike cover and £3,000 accessories cover.
• Pay as you ride – with our flexible insurance plans, you can take cover out for 1 to 365 days.

Our Rider Protection Pack offers complete protection for you as a rider.

• Public liability - providing up to £2 million for a cycle related claim that is brought against you.
• £2 million financial protection should you cause injury to a Third Party or cause damage to their property.
• As a ONE Pro member we provide you with protection against injuring or damaging the property of any other member you are riding with, unlike other membership liability covers.
• Our public liability cover will also provide protection even when you are racing with other riders.
• Legal Protection Service – our Legal Protection service will provide you with up to £50,000 of legal costs for cycle related incidences . If you are involved in a non-fault accident, it will help with recovering costs such as repair of your cycle, damage to clothing/accessories, loss of earnings, any excess and specialist personal injury advice, support and compensation.
• Breakdown Recovery Service – like breakdown cover for your car, we will arrange for a recovery vehicle to pick you up in the event of an accident or breakdown on your bike which leaves you unable to get home.
• Personal accident – let’s face it accidents happen, especially when cycling. Our range of personal accident covers will ensure you are compensated should the worst happen. We offer Gold, Silver and Bronze protection packages which are detailed in the table of benefits.
  Silver and Gold packages also include weekly payment benefit whilst you recover. E.g. should your injury prevent you from commuting to work on your bike, the weekly payment will cover your travel cost or loss of earnings.

Bike Pack

• £50 excess per claim applies.
• Evidence of ownership is required for all of the equipment when making a claim, so please keep it safe.
• Whilst out and about, if you leave your cycle you must lock it through the frame, to an immovable object, using the correct approved lock. Your cycle must not be left unattended for more than 48 consecutive hours.
• Approved Lock Requirement:
• Cycles up to £750 – Any specifically designed cycle lock.
• Cycles from £751 to £1500 - Sold Secure Bronze graded lock or above.
• Cycles from £1501 to £3000 - Sold Secure Silver graded lock or above.
• Cycles over £3000 - Sold Secure Gold graded lock.

Rider Pack

• Public Liability cover is intended for accidents or incidences occurring due to the ownership of a Cycle only. It will not cover you for any non-cycling related activities.
• If a Public Liability claim is brought against you, the amount payable will include defence costs and expenses incurred.
• Our Public Liability insurance provides protection against Member to Member or Rider to Rider liability unlike some public liability insurance where you would have to cover the damage costs.
• Breakdown Recovery Service will rescue you, following the breakdown, attempted theft of, or damage to you or your cycle when you are more than a mile away from home.
• No excess to pay for public liability, personal accident or breakdown claims.
• Our Legal Protection Service will require you to immediately notify the Insurer of any incident you require legal representation and collect as much information as possible from the third party. A claim will only be accepted and pursued by them if in their opinion there is a satisfactory level of success in bringing legal proceedings against the third party
• In respect of our Personal Accident cover See table of benefits for a breakdown of the cover provided for each cover option
• Personal Accident over is only available to those under 65 years of age.