Our frequently asked questions

Original sales purchase or till receipt or other evidence which clearly demonstrates ownership. This may include but is not limited to bank/credit card statement, dealer valuation including a photograph of the bicycle. The evidence should clearly show date, price paid and details of the bicycle, accessories and approved lock.

Yes, you should insure the bike for the second hand value. This is known as the indemnity value where a deduction is made for wear and tear.

Yes, providing the bicycle has been secured to an immovable object with an approved lock and has not been left for more than 24 hours at any one time.

Yes your lock should be a Thatcham approved lock for cycles up to the value of £1500 alternatively a rated Sold Secure lock dependent on your bicycle value:
- Insured value under £500 require a Bronze rated lock
- Insured value under £1000 require a Silver rated lock
- Insured value over £1000 require a Gold or Diamond rated lock

You will need to purchase a lock which meets the minimum required standard for the value of your bicycle to ensure you are covered. You are able to use your other lock as a second lock on the bicycle.

Yes, we will need to know the make and model of all bicycles you wish to insure. If there is an increase in the value of the bicycle your premium may also change.

Accessories include helmets, shoes, locks, jerseys or vests, base layer, gilets, glasses & goggles, jackets, shorts, trousers, wetsuits, backpacks, helmet mounted bicycle cameras, bicycle computers, cycling GPS unit, lights, bicycle luggage, bicycle tools, bicycle armour & guards.

Any spare parts or wheels which are not permanently attached to the bicycle should be included in the accessory section.

Overall cost of parts using original receipts.

Yes, you can include any bicycles owned by family members as long as they live at the same address.

You must ensure that the value you selected is sufficient to cover the replacement cost of the cycle once the sale has finished.

Watch our video to understand the guidelines you need to follow in order to avoid an unpaid claim.

There’s no need to list each family member you want to be covered. As long as the person is part of your immediate family and lives at the same address listed on your Insurance Schedule, they will automatically be covered, free of charge for all of the cover options you have on your policy.

Accidental bodily or mental injury, death or disease or accidental damage to any person or accidental third party property damage which arises from your use or ownership of a cycle.

An excess of £300 for each and every claim arising from damage to third party property.

An excess of £500 for each and every claim arising from third party injury.

This cover is not available to persons aged under 16 and over 85.

Any legal costs incurred when pursuing a claim against a third party for any uninsured losses or personal injury following a road accident. Or taking legal action against a relevant local authority following damage to your bike as a result of a pot hole.

No, if you have public liability you have legal costs covered to defend the action but not to take action against others.

No.

We are one of the UK’s leading specialists in niche insurance products. Over 225,000 policyholders have already chosen Ripe for their sports, leisure, personal and business insurance. Our fresh approach to insurance is all about making insurance easy-to-buy, simple-to-understand, jargon-free and excellent value. We ensure that our insurance practices not only meet but exceed the standards set by the Financial Conduct Authority, giving our customers a clear understanding of our insurance products and providing a first-class insurance service. Find out about how we do things differently here.

To make a claim visit our How to claim page.

No, however you will need to ensure your policy has been upgraded to include European or Worldwide cover depending on what your requirements are, this can be added at any time throughout the policy.

Yes, you can pay monthly on annual policies over £50. Our monthly payments are arranged through our partner Premium Credit Limited. Paying the premium on a monthly basis is subject to an interest charge. You will be required to pay a 20% deposit and the remainder will be split over 9 equal monthly instalments.

For Equipment cover the standard policy excess is £50 or 10% but you can select a higher amount which will reduce your premium or you can select zero excess which will increase your premium.

No excess is payable on Public Liability claims.

Not currently but is something we may look to introduce in the future.

Yes, we can cover a bike box for theft, loss or damage under the bicycle accessory section. Just choose the best level of cover to suit the value of your bike box and any other accessories you would want to cover.

No

No the competitive use is only applicable if a winner is selected during an organised event.

We cannot cover under 16's and over 85's for public liability

If you are under 18, the death benefit on your Personal Accident cover is reduced to the following limits:
Level 1 - £2,000
Level 2 - £5,000
Level 3 - £10,000

No, this will not affect your insurance or your premium. Please just make us aware if you take part in this scheme.

We are unable to provide cover for professional cyclists.

No, you do not need competitive use cover to take part in a Sportive.

If you need to make a claim, please let us know that you have purchased the bike through a Cycle to Work scheme. You will need to send us the original sales purchase or till receipt as proof of purchase and a copy of the hire agreement. Even if the claim is made during the initial 12 month “hire period”, the claim will be settled directly with you, the policyholder.