Cycleplan bike insurance at www.cycleplan.co.uk.Underwritten by Aviva. Cycleplan covers the following: All policy covers are optional, so you can pick and choose the cover that You need. The below policy options are available: Theft, Accidental Damage and Malicious Damage to Bicycles up to £30,000 and Accessories up to £1,000; Your legal liability for accidental Bodily Injury to a third party or Accidental Damage to third party property up to £5m; Personal accident to provide compensation in the event of death, permanent disablement, broken bones, hospitalisation or the need for physiotherapy up to £50,000; Loss of earnings as a result of an Accident whilst using a Bicycle up to £750 per week; Replacement cycle hire following a claim for your Bicycle up to £1,000; Competitive use to extend your normal cover for when you have entered a Competition; Costs of non-refundable race fees you were unable to attend as a result of injury or a valid bike claim up to £250; Taxi Fee Reimbursement to help cover your costs of getting home following an Accident on your Bicycle up to £50. What is not covered: The policy does not provide cover for Theft where the security requirements have not been met; Any claim where Evidence of Ownership cannot be provided for the Bicycle, Accessories or Approved Lock; Theft from Your Home unless the Security Requirements when the Bicycle is at Home are complied with; The use of the Bicycle for trade or business purposes (excluding commuting to or from work), hire, reward, courier use or carriage of paying passengers; Any Accident whilst the Bicycle is being used for Competitions, including racing, unless the Competition option has been selected, the additional premium paid for and the Endorsement is shown on Your Insurance Schedule; Public liability is not available to anyone under the age of 16. The restrictions on cover are: Certain limitations may apply to Your policy e.g. The Excess (the amount You have to pay on any claim); Monetary limits for certain covers; Clauses which may exclude certain losses or damage. You must ensure when using an Approved Lock it is sufficient for the insured value of Your Bicycle: Under £500 require a Thatcham approved or Sold Secure Bronze rated lock; Under £1000 require a Thatcham approved or Sold Secure Silver rated lock; Under £1500 require a Thatcham approved or Sold Secure Gold or Platinum rated lock; Over £1500 require a Sold Secure Gold or Platinum rated lock. General Security Requirements: When at Home the bicycle must be kept at one of the following locations: 1. Locked inside your home, flat or within a locked room if in a shared residence. 2. Locked inside a shed, garage, purpose built immovable bike storage box, or outbuilding which is only accessible to you and your household. This storage location must be fully enclosed and built from brick, stone, concrete, wood or metal and be within the boundaries of your home and comply with one of the following security requirements: i. All external doors must be secured by a minimum of a 5 lever mortice deadlock to BS3621 or a 5 lever or closed shackle padlock or ii. External doors must be secured by the manufacturers installed lock. 3. A communal storage location described as an underground car park, communal hallway or communal storage area which is only accessible by private residents. The bicycle must be secured to an immovable object through the frame and any quick release wheels with an approved lock. 4. On a privately accessed balcony which is not accessible from the ground floor. The bicycle must be secured to an immovable object through the frame and any quick release wheels with an approved lock. When away from the home: 1. The bicycle must be secured to an immovable object through the frame and any quick release wheels with an approved lock unless Bicycle is left in a bike rack being used at the Competition, the Competition option has been selected and the additional premium paid. Marshalls or similar officials must be on location at the bike rack areas 2. The bicycle has not been Abandoned. When the bicycle is in or on a motor vehicle 1. The bicycle must be inside the vehicle or secured through the frame by an Approved Lock to a roof or bicycle rack attached to the vehicle. 2. The roof or bicycle rack must be securely attached to the vehicle. 3. The vehicle must have all doors and windows closed and securely locked. Where does Cycleplan insurance apply: Please refer to the Territorial Limit in Your Insurance Schedule Where Europe or Worldwide is shown, then cover shall be limited to 45 days in any one trip. Cycleplan is a trading name of Ripe Insurance Services Limited which is Authorised and Regulated by the Financial Conduct Authority. No. 313411www.cycleplan.co.ukwww.cycleplan.co.ukINSURANCE BOOKLET | 3Thank you for choosing Cycleplan.Cycleplan is a trading name of Ripe Insurance Services Limited which is authorised and regulated by the Financial Conduct Authority.We have tried to make this document easy to read. However, we have still had to use some words that have a special meaning these arelisted and explained in ‘definitions’. From now on wherever a word with a definition is uses it will be printed in bold type.IMPORTANT FEATURESNAME OF THE UNDERWRITERAviva Insurance Limited (Registered in Scotland No. 2116. Registered office: Pitheavlis, Perth, PH2 0NH. Authorised by the PrudentialRegulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number202153.If the Insured shall make any claim knowing the same to be false or fraudulent, as regards amount or otherwise, this Policy shall becomevoid and all claims hereunder shall be forfeited.We must draw Your attention to a number of important features of this insurance:• This part of the document provides details of Your Policy and the terms and conditions that apply. The Policy is a legal contractbetween You and Us.• The Insurance Booklet and Insurance Schedule and any Notice to Policy Holder make one document and must be read together.Please keep them together• The contract is based on the information You gave Us when You applied for the insurance• Your Policy is in the following parts:Our part of the contract is that We will provide the cover set out in this Insurance Booklet:• for those sections which are shown on Your Insurance Schedule• for the insurance period set out on the same Insurance Schedule.Your part of the contract is:• You must pay the premium as shown on Your receipt/invoice for each insurance period• You must comply with all the terms and conditions set out in this Policy.If You do not meet Your part of the contract, We may turn down a claim, cancel your insurance or increase the premium.• Exactly what is covered and whatisn’t• How to make a claim and how We willsettle that claim• Our obligations to You• The terms and conditions You mustcomply with• The sections of the Policy that applyto you and the dates from whichcover is in force• The various limits and sums insuredthat apply to Your cover• Any special terms that apply to YourPolicy including Endorsements• Your Policy number• Provides information about anychanges to Your renewal terms andPolicy coverINSURANCE BOOKLET INSURANCE SCHEDULE NOTICE TO POLICYHOLDERSwww.cycleplan.co.ukINSURANCE BOOKLET | 4CLAIMSOUR CLAIMS DEPARTMENTIn the event you need to make a claim, Our claims service is provided by Davies Group who are Our nominated claims handers.HOW TO MAKE A CLAIMIf an event giving rise to a claim under this insurance occurs You shall:Notify Davies Group as follows:a. As soon as reasonably possible but within 30 days of the date of the incident occurringb. Within 7 days of the date of becoming aware of any loss for any claim in respect of riot, civil commotion, strikers or locked outworkers.Give details of Your claim by either:• Telephone: +44 (0)333 400 7387• Post: Cycleplan Claims Department, Davies Group, PO BOX 2801, Hanley, Stoke on Trent, ST4 5DN• Email: newclaim.cycleplan@davies-group.comCLAIMS CONDITIONSThese are the claims conditions You will need to keep to as Your part of this contract. If You do not, a claim may be rejected or paymentcould be reduced or Your Policy might be invalid.1. If an event giving rise to a claim under this insurance occurs You shall:(a) take immediate action to minimise the loss, destruction, damage, injury, illness or disease(b) pass every letter, claim, writ, summons and process to Us immediately upon receipt.2. We shall have sole control of all claims procedures and settlements3. We will be entitled, at Our cost, but in Your name, to:a. Take legal proceedings for Our own benefit in respect of the cost of the claim, damages or otherwise; orb. Take over and conduct the defence or settlement of any claim4. No admission, offer, promise, payment, or indemnity shall be made or given by You or on Your behalf without Our written consent5. If You or anyone acting on Your behalf does not comply with Our requirements or hinders or obstructs Us in carrying out any of theabove mentioned acts then all benefit under this insurance shall be forfeited6. Salvage - Following a valid claim, We may, without incurring any further liability and without diminishing Your right to rely on anycondition of this insurance, take and keep possession of any of the Bicycle and/or Accessories insured under Section 1 and to deal withsalvage in a reasonable manner, but You may not abandon any property insured to Us7. We may at any time at Our sole discretion pay to You the maximum sum payable hereunder or any lesser sums for which any claimor claims can be settled. We shall not be under any further liability except for payment of costs and expenses which may have beenincurred prior to such payment, provided that in the event of a claim or series of claims resulting in Your liability to pay a sum in Excessof the sum insured or limit of indemnity. Our liability for such costs and expenses shall not exceed an amount being in the sameproportion as Our payment to You bears to the total payment made by You or on Your behalf in settlement of the claim or claims.8. If You are abroad at the time of an incident leading to a claim, We will not replace any Bicycles and/or Accessories until you return tothe United Kingdom.9. If an event giving rise to a claim under this insurance occurs You shall:a. ensure the Police are notified in respect of Theft incidents as soon as reasonably practicable and certainly within 24 hours ofdiscovery. A crime reference number must also be obtainedb. provide Us with all proofs and information in relation to a claim that We may reasonably require together with (if required) astatutory declaration of the truth of the claim and any connected mattersc. Where appropriate, You shall allow all medical records, notes and correspondence referring to the claim or related pre-existingconditions to be made available on request, in accordance with all statutory provisions relating to access medical records, to themedical adviser appointed by Us or on Our behalf (at Our own expense) and such medical adviser shall be allowed, so often as maybe deemed necessary, to make an examination of You10. In the event of claims in respect of Third Party Property Damage:a. You shall substantiate that the damage occurredb. The claim shall be presented in the first instance to the Third Party’s own insurers with a request that payment shall be made underany other insurance which may be in operation. If no such insurance shall be in force or if such request be refused, You must obtainwritten confirmation of such from the Third Party and submit it with full information to Usc. There is satisfactory evidence of the damage being Your responsibility and that settlement shall be considered without legal liabilityor negligence being provenwww.cycleplan.co.ukINSURANCE BOOKLET | 511. In the event of claims in respect of Personal Accident:a. Written notice must be given to Us within 30 days (or as soon as reasonably thereafter) of becoming aware of any Accident whichcauses or may cause disablement or death within the meaning of this insurance and, if applicable, You must as early as possible,place yourself under the care of a duly qualified Medical Practitionerb. If the consequence of an Accident shall be aggravated by any condition of physical disability that You had which existed before theAccident occurred, the amount of any compensation payable under this Insurance in respect of the consequences of the Accidentshall be the amount which it is reasonably considered could have been payable if such consequences had not been so aggravated12. Once We have accepted the claim for disablement We will pay benefits, at the completion of Your treatment and upon receipt ofsatisfactory evidence of Your Medical Expenses or return to work after Temporary Total Disablement13. All Temporary Total Disablement benefits shall cease on Your death14. The maximum weekly benefit shall not exceed 75% of Your income, less benefit from any other insurance or benefits paid to You byan employer. Proof of net income may be required from an independent and qualified third party. In the event that the weekly benefitexceeds the aforesaid limit then any claim shall be evaluated upon 75% of Your Income15. Odd days of benefit will be payable at one seventh of the weekly benefit. Weekly benefit will only be payable in respect of complete daysof disablement16. Benefits shall not be payable for more than one of the events in the “Insurance Benefits” section in respect of the same occurrence17. After the happening of any one of events in the “Insurance Benefits” section there shall thereafter be NO further liability under theInsurance in respect of You18. Benefits shall not be payable under more than one of the events for disablement resulting from any further occurrence whilst there is anexisting entitlement for benefits19. Benefits shall not be payable unless You shall as soon as possible after the happening of any occurrence obtain and follow propermedical advice from a legally qualified Practitioner20. Benefits shall not be payable for any period after You have resumed cycling except for subsequent unrelated occurrences21. Benefits shall not be payable for that part of the benefit payable under Loss of Income for which department of social welfare benefitsor other benefits can be claimed22. Benefits shall not be payable if You or Your dependents are entitled to receive any compensation or benefits as a result of the BodilyInjury suffered, from any source whatsoever23. We will at Our own expense have the right and opportunity in case of death where it is not forbidden by lawwww.cycleplan.co.ukINSURANCE BOOKLET | 6IMPORTANT INFORMATIONINSURANCE BOOKLETYou should read this document carefully in conjunction with the Insurance Schedule. It gives details of what is and is not covered by theinsurance and the conditions and exclusions of the coverCONDITIONSYour Policy describes certain things which You are required to do to make sure that You are protected and that Your Policy cover operatesfully. For example, You must:• Tell Us about changes which could affect Your Policy• Make sure that Your sums insured are high enough to cover the Bicycle and Accessories to be insured• Take reasonable care of Your propertyEXCLUSIONSExclusions will apply to each section and general exclusions will apply to the whole insurance.STATEMENT OF DEMANDS AND NEEDSThis Policy meets the needs of an individual who requires insurance for:• Theft, loss and Accidental Damage to Bicycles and their Accessories• Public Liability whilst using a Bicycle• Personal Accident or Loss of Earnings following an accident whilst using a Bicycle• A replacement Bicycle whilst awaiting the repair or replacement of your Bicycle following an approved claimREASONABLE CAREIt is Your responsibility to look after and regularly maintain your Bicycle. Your Policy is intended to cover You against unforeseen events likeAccidental Damage or theft. It does not cover wear and tear or damage which happens gradually over a period of time.YOUR DUTY TO PREVENT LOSS OR DAMAGEYou and any other person this insurance applies to must take all reasonable precautions to prevent accidents, loss or damage. You mustkeep property that is insured under your Policy in good condition.GENERAL SECURITY REQIREMENTSYou will need to ensure You meet the general security requirements on page 12 as part of this contractEVIDENCE OF OWNERSHIPIt is Your responsibility to prove any loss therefore We recommend that You keep copies of receipts, valuations, photographs, instructionbooklets and guarantee cards to help with Your claim.CONSUMER INSURANCE ACTYou are required by the provisions of the Consumer Insurance (Disclosure and Representations) Act to take care to supply accurate andcomplete answers to all the questions in the declaration and to make sure that all information supplied is true and correct. You must tell Usof any changes to the answers You have given as soon as possible. Failure to advise Us of a change allows the insurer to cancel the Policy,sometimes back to its start date and to keep any premiums paid.KEEPING US INFORMEDThis Policy is based on the information You have given Us about You.You must tell us immediately about the following changes:• Any changes to the levels of cover You require• Any changes to Your contact information• Any criminal convictions or if You have had any other insurance declined, cancelled or had special terms imposedIf You fail to disclose all relevant information or make a misrepresentation, We may:• Cancel Your Policy and refuse to pay any claim, or• We may not pay the claim in full, or• We may revise the premium and/or change any Excess, or• The extent of cover may be affectedYOUR RIGHT TO CANCELIf You are not happy with it and choose to cancel Your Policy within the first 14 days of the purchase or renewal of the Policy or the day onwhich You receive Your Policy documentation, whichever is the later. You will be entitled to a full refund of Your Policy insurance premiumincluding any insurance premium tax and Policy fees paid.www.cycleplan.co.ukINSURANCE BOOKLET | 7You may cancel after the 14 days have expired.You will be entitled to a refund of the premium paid subject to a proportionate deduction forthe time on cover. There will also be no return of premium where the premium refund due is less than £10.Where a claim has occurred within the period of insurance no refund of premium will be paid. In addition, a cancellation charge will be madeby Cycleplan as outlined in their Terms of Business, if You wish to cancel Your Policy please contact Cycleplan.OUR RIGHT TO CANCELWe may at any time cancel any insurance document by sending 14 days notice to You at Your last known email and/or postal addresssetting out the reasons for cancellation. Provided the premium has been paid in full You shall be entitled to a proportionate rebate ofpremium in respect of the unused period showing on the Insurance Schedule, unless the reason for cancellation is fraud and/or We arelegally entitled to keep the premium.Where a claim or an incident which You are aware of and is likely to give rise to a claim has occurred within the period of insurance norefund of premium will be paid.In addition, a cancellation charge will be made by Ripe as outlined in their Terms of BusinessValid reasons include but are not limited to:• Non-payment of premium. If payment is not paid when due We will write to You requesting payment by a specific date. If We receivepayment by the date set out in the letter We will take no further action. If We do not receive payment by this date We will cancel theinsurance from the cancellation date shown on the letter.• Where We reasonably suspect fraud• Where You fail to co-operate with Us or provide Us with information or documentation We reasonably require, and this affects Ourability to process a claim or defend Our interests. See the ‘Claims’ section in this Policy booklet• Where You have not taken reasonable care to provide complete and accurate answers to the questions We ask. See the ‘Keeping UsInformed’ section of this Policy booklet.If We cancel the Policy You will be entitled to a proportionate refund of premium less the administration cancellation fee of up to £30.00.There will also be no return of premium where the premium refund due is less than £10. Unless the reason for cancellation is fraud and/orWe are legally entitled to keep the premium.GOVERNING LAWUnless some other law is agreed in writing, this Policy is governed the law applying to the part of the United Kingdom, Channel Islands or theIsle of Man in which You normally live. If this is not applicable the law of England and Wales will apply.FRAUD PREVENTION AND DETECTIONIn order to prevent and detect fraud We may at any time:1. Share information about You with other organisations and public bodies including the police;2. Check and/or file Your details with fraud prevention agencies and databases, and if You give false or inaccurate information and Wesuspect fraud, We will record this. We can supply on request further details of the databases We access or contribute to. If You requirefurther details please contact Us at:Policy Investigation Unit, Aviva,Cruan Business Centre,Westerhill Business Park,123 Westerhill Road,Bishopbriggs,Glasgow,G64 2QRTelephone 0345 300 0597.Email: PIUUKDI@AVIVA.COMDATA PROTECTIONPlease note that any information provided to Us will be processed by Us and Our agents in compliance with the provisions of data protectionlegislation (including the General Data Protection Regulation from the 25th May 2018), for the purpose of providing insurance and handlingclaims, if any, which may necessitate providing such information to third parties. Under the General Data Protection Regulation You havea right of access to see personal information about You that is held in Our records, whether electronically or manually. We may also sendthe information in confidence for process to other companies acting on their instructions including those located outside the EuropeanEconomic Area. If this happens, We will ensure that anyone to whom We pass Your information agrees to treat Your information with thesame level of protection as if We were dealing with it. We and other organisations may also search these agencies and databases to:1. Help make decisions about the provision and administration of insurance and related services for You2. Trace debtors or beneficiaries, recover debt, prevent fraud and to manage Your accounts or insurance policies; and3. Check Your identity to prevent money laundering, unless You provide other satisfactory proof of identity.TELEPHONE CHARGESCalls are charged at national call rates (charges may vary dependent on Your network provider) and are usually included in inclusive minuteplans from landlines and mobiles. For Our joint protection telephone calls may be recorded and/or monitoredwww.cycleplan.co.ukINSURANCE BOOKLET | 8REINSTATEMENT OF THE SUM INSUREDIn the event of partial loss, theft or damage to the property insured the sum insured will be automatically reinstated from the date of thedamage unless You have written to Us or We have written to You, to the contrary. In accordance with the automatic reinstatement of thesum insured You will undertake to pay the necessary premium as We may require for such reinstatement from that date.In the event of a total loss or constructive total loss of Your Bicycle(s) the sum insured will not automatically reinstate unless You havewritten to Us to advise of a replacement bicycle. We will reinstate the sum insured and You will undertake to pay the necessary premium asWe may require for such reinstatement from that date.CUSTOMERS WITH DISABILITIESThis Policy and other associated documentation are also available in large print. If You require this please contact Cycleplan.USE OF LANGUAGEUnless otherwise agreed, the contractual terms and conditions and other information relating to this contract will be in English.PLEASE READ THESE FEATURES, YOUR INSURANCE SCHEDULE AND THE WHOLE OF THIS DOCUMENT CAREFULLY.If the insurance does not meet Your requirements please cancel it within 14 days from receipt of documentation.Please note that this insurance is only available to individuals who are non-professional cyclists and resident in the United Kingdom.www.cycleplan.co.ukINSURANCE BOOKLET | 9DEFINITIONSThis part of the Policy sets out the words which have a special meaning. Each word is listed with the meaning explained below and is printedin Bold Type whenever it appears in the Policy, Insurance Schedule and endorsements.AbandonedWhen a Bicycle is left in a location other than Your Home for more than 12 hours at any one time or at a train station, bus station, coachstation or Your permanent place of employment for more than 24 hours at any one time.AccessoriesEquipment temporarily added to the Bicycle in addition to the manufacturers original specification, including helmets, shoes, jerseys orvests, base layers, gilets, glasses & goggles, jackets, shorts, trousers, wetsuits, backpacks, helmet mounted cycling cameras , cyclingcomputers, cycling GPS unit, lights, spare wheels, cycle luggage, cycling tools, cycling armour & guards, locks.AccidentAn external, sudden, unexpected, unusual specific event occurring at a definable time and place.Accidental DamageDamage caused to the Bicycle accidentally by violent and external means, including vandalism.Approved LockA nominated lock which is specified in the ‘Sold Secure’ list of cycle locks or any Thatcham approved lock which is appropriate to theInsured Value of the Bicycle.• Insured Value under £500 require a Thatcham approved or Sold Secure Bronze rated lock• Insured Value under £1000 require a Thatcham approved or Sold Secure Silver rated lock• Insured Value under £1500 require a Thatcham approved or Sold Secure Gold or Platinum rated lock• Insured Value over £1500 require a Sold Secure Gold or Platinum rated lock.BicycleAny bicycle plus fixed items such as electric bike batteries, aftermarket pedals or lights. Which are Your property and for which You arelegally responsible. Including tricycle, tandem, trailer cycle, recumbent tricycle or push scooter. The bicycle/scooter must be driven byhuman pedal power or electric battery with a motor output not exceeding 250w/15.5 mph.It does not include any electric bicycle or scooter where the power or speed requires it to be registered, insured or taxed as a motor vehicle.Bodily InjuryInjury to the body caused by accidental, violent, visible and external means.CompetitionAn organised contest from which a winner is selected.Endorsement(s)Any terms and conditions made separately to the terms of the Policy and specified on Your Insurance Schedule.Evidence of OwnershipOriginal 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 detailsof the Bicycle, Accessories and Approved Lock.ExcessThe first part or amount You will be responsible for paying in the event of a claim.FamilyParents, spouse, partner, son, daughter or siblings that permanently live with You.Forcible and Violent Entry or ExitEvidence of visible damage to the fabric of the building or motor vehicle where entry or exit was gained or damage caused to an ImmovableObject or Approved Lock.HomeLocation stated in Your Insurance Schedule where Your Bicycle is usually kept:It can also include:• Any temporary residence such as Your holiday home or a guest house, boarding house, hotel, motel in which You are a resident for upto 28 days.• Any other address that You reside at for more than 28 days in any one year may be covered provided You advise Cycleplan and theyaccept by an Endorsement.www.cycleplan.co.ukINSURANCE BOOKLET | 10Immovable Object• Solid object fitted onto or into concrete, stone, brick or metal which is not capable of being undone, removed with, or lifted under or overthe Bicycle.• A purpose built Bicycle or roof rack which is fitted securely to a motor vehicle.• At campsites, a solid part of a caravan or temporary holiday Home which is not capable of being undone, removed with or lifted under orover the Bicycle.Indemnity BasisValue of Bicycle less a deduction for wear and tear.Indemnity ValueThe value of the article immediately prior to the loss or damage.Insurance ScheduleSets out the specific terms, values and Endorsements applicable to the cover and should be read together with the Policy.Malicious DamageThe intentional damage caused by a third party.New for OldWe will pay the cost of a comparable replacement for the lost or damaged Bicycle and Accessories providing the article was new at the timeof purchase and the Bicycle and/or Accessories are no more than 3 years old.Period of InsuranceThe period effective as shown in Your Insurance Schedule.PolicyThe Insurance Booklet (along with the Insurance Schedule) which forms part of the legal contract between You and Us.Territorial LimitThe territory shown in Your Insurance Schedule. Where Europe or Worldwide is shown, then cover shall be limited to 45 days in any one trip.TheftUnauthorised taking, keeping or using of the Bicycle by another person with the intention of permanently depriving You of it.United KingdomGreat Britain, Northern Ireland, the Isle of Man and the Channel Islands.United Kingdom ResidentMeans resident in the U.K. for a minimum of 6 months in a 12-month period.We, Us and OurAviva Insurance Limited.You and YourThe person named in the Insurance Schedule and their Family members who are all United Kingdom Residents.www.cycleplan.co.ukINSURANCE BOOKLET | 11SECTION 1 - BICYCLES AND ACCESSORIESProvides cover for Theft or damage to Bicycles.WHAT IS COVEREDWhere this cover has been selected and is shown in Your Insurance Schedule We will cover:1. Theft of Your Bicycle from Your Home2. Theft of Your Bicycle while away from Your Home3. Theft of Your Bicycle from a motor vehicle4. Accidental Damage to Your Bicycle5. Malicious Damage to Your BicycleOccurring within the Territorial Limits.We agree to pay for repair, replacement or issue a voucher up to the limit stated in Your Insurance Schedule, of the Bicycle owned by You(not hired, loaned or entrusted to You), that has been stolen or sustained Accidental Damage or Malicious Damage.We will pay for the cost of replacement as new providing the damaged Bicycle was not more than 3 years old at the date of loss andprovided it was new when You purchased it. If the Bicycle was more than 3 years old or was not new at the time of purchase, then We willdeal with the claim on an Indemnity Basis.We reserve the right to specify a supplier of Our choice for the repair or replacement of the Bicycle or at Our discretion offer cash settlement.EXTENSIONS:1. AccessoriesCover is extended to include Theft from Your Home and Accidental Damage to Accessories where You have paid the appropriatepremium and Accessories cover is shown on Your Insurance Schedule.2. Taxi Fee ReimbursementNecessary and reasonable costs that You incur to return directly to Your home by a registered taxi or public transport as a result of anAccident causing Accidental Damage to your Bicycle which results in it becoming unusable up to the limit stated in Your InsuranceSchedule.What is not covered:a. Any claim where there was not a valid claim for Accidental Damage to your Bicycleb. Any claims where You could not submit a valid receipt or ticket for Your journeyc. Any claims as a result of Accidental Damage if the Bicycle was being used for racing, competition or time trials3. Competitive UseWhere this extension has been selected, the additional premium paid and the cover is shown in Your Insurance Schedule Your coverwill extend to include Accidental Damage whilst the Bicycle is being used for Competitions, including racing.We will also cover the cost of any non-refundable race fees for an organised competitive cycling, biathlon or triathlon event in whichYou were due to participate but are not longer able to attend as a sole and direct result of:• Illness/injury• A valid Bicycle claim under this sectionThe maximum amount per claim and in the aggregate is £250.WHAT IS NOT COVERED1. The amount of the Excess2. Any claim where Evidence of Ownership cannot be provided for the Bicycle, Accessories or the Approved Lock3. Any claim to Accessories unless accompanied by a claim to the Bicycle. This does not apply to electric Bicycle batteries4. Theft unless the theft shows signs of Forcible and Violent Entry or Exit5. Theft from Your Home unless the Security Requirements when the Bicycle is at Home are complied with6. Theft, Accidental Damage or Malicious Damage following the Bicycle being Abandoned7. Theft away from Home unlessa. the Bicycle is being ridden or in your close personal custody and control, orb. the Security Requirements when away from Home have been met8. Theft from any motor vehicle unless the security requirements when the Bicycle is in or on a motor vehicle have been met9. Any claim caused by wear and tear, wet or dry rot, atmospheric conditions, frost, insects, vermin, fungus, domestic pet, or any graduallyoperating cause10. Scratching denting or any cosmetic change which does not impair the function of the Bicycle.11. Claims where the Bicycle has suffered damage as a result of a manufacturing fault which is still covered under a manufacturer’swarranty12. Theft or Accidental Damage to tyres unless the Bicycle was stolen or damaged at the same time.13. Any claim of a Bicycle from whom it is entrusted to, other than a member of Your Familywww.cycleplan.co.ukINSURANCE BOOKLET | 1214. Any claim whilst the Bicycle is being used for Competition, including racing, unless the Competition option has been selected, theadditional premium paid for and the Endorsement is shown on Your Insurance Schedule15. Any claim whilst the Bicycle is outside the UK unless the Europe or Worldwide option has been selected, the premium paid for and theEndorsement is shown on Your Insurance Schedule16. Subject to a Europe or Worldwide option being selected, We will not pay for any claim to the Bicycle and Accessories in transit whichhas not been reported to the carrier and a written report obtained or where You were not travelling with the Bicycle and or Accessories.In the case of an airline a Property Irregularity Report will be required17. Any claims to a Bicycle that is engaged for use in trade or business purposes (excluding commuting to and from work), hire, reward,courier use and carriage of paying passengers18. Theft or Malicious Damage where a crime reference number cannot be providedGENERAL SECURITY REQUIREMENTSThese are the general security requirements which You will need to keep to as your part of this contract. If you do not a claim may berejected or payment could be reduced. In some circumstances Your Policy might be invalid.1. When at Home the Bicycle must be kept at one of the following locations:a. Locked inside Your Home, flat or within a locked room if in a shared residenceb. Locked inside a shed, garage, purpose built immovable bike storage box, or outbuilding which is only accessible to You and Yourhousehold. This storage location must be fully enclosed and built from brick, stone, concrete, wood or metal and be within theboundaries of Your home and comply with one of the following security requirements:i. All external doors must be secured by a minimum of a 5 lever mortice deadlock to BS3621 or a 5 lever or closed shacklepadlock or;ii. External doors must be secured by the manufacturers installed lockc. A communal storage location described as an underground car park, communal hallway or communal storage area which is onlyaccessible by private residents. The Bicycle must be secured to an Immovable Object through the frame and any quick releasewheels with an Approved Lock.d. On a privately accessed balcony which is not accessible from the ground floor. The Bicycle must be secured to an ImmovableObject through the frame and any quick release wheels with an Approved Lock2. When away from the Home:a. The Bicycle must be secured to an Immovable Object through the frame and any quick release wheels with an Approved Lockunless Bicycle is left in a bike rack being used at the Competition, the Competition option has been selected and the additionalpremium paid. Marshalls or similar officials must be on location at the bike rack areasb. The Bicycle has not been Abandoned3. When the Bicycle is in or on a motor vehiclea. The Bicycle must be inside the vehicle or secured through the frame by an Approved Lock to a roof or Bicycle rack attached to thevehicle. The roof or Bicycle rack must be securely attached to the vehicle.b. The vehicle must have all doors and windows closed and securely lockedwww.cycleplan.co.ukINSURANCE BOOKLET | 13SECTION 2 - PUBLIC LIABILITYProvides indemnity for mental injury, death, disease or Bodily Injury to any person or damage to third party property.WHAT IS COVEREDWhere this cover has been selected and is shown in Your Insurance Schedule We will indemnify You up to the limit stated in the InsuranceSchedule (which is inclusive of all costs and expenses) against legal liability for accidental:1. Mental injury, death, disease or Bodily Injury to any person2. Damage to property belonging to otherswhich arises from Your use or ownership of a Bicycle within the Territorial Limits.The total amount payable includes reasonable defence costs and expenses incurred by You with Our written consent in connection with anyliability insured under this Policy.WHAT IS NOT COVERED1. The amount of the Excess2. Liability to any of your employees3. Liability to a member of Your immediate family (spouse, children, parents, siblings and their families)4. Any property belonging to You or in Your care, custody or control5. Any wilful, malicious or unlawful act6. Liability where You are entitled to indemnity from another more specific source7. Any liability arising from a contract or agreement unless You would have been liable in the absence of such contract or agreement8. Punitive, exemplary or aggravated damages9. Liability arising out of the ownership or use of land or buildings, animals, firearms or weapons10. Liability directly or indirectly resulting from the pursuit of trade, business or profession11. Liability arising out of the ownership, possession or use of motor vehicles, aircraft or watercraft12. Liability arising out of the influence of intoxicating liquor or drugs13. If You are under 1614. Any liability not involving the use of a Bicycle15. Any liability whilst using the Bicycle for Competition, including racing, unless the Competition option has been selected, the additionalpremium paid for and the Endorsement is shown on Your Insurance Schedule.16. The use of the Bicycle for trade or business purposes (excluding commuting to and from work), hire, reward, courier use or carriage ofpaying passengers17. Bodily Injury or property damage occurring outside of the Territorial Limits specified in the Insurance Schedule18. In respect of any judgement award or settlement made within countries which operate under the laws of the United States of Americaor Canada or any order made anywhere in the world to enforce such judgement award or settlement wither in whole or in part.19. Liability in connection with any electrically assisted Bicycle while:a. Anywhere outside of England, Scotland and Wales;b. Within England, Scotland and Wales where there is a legal requirement to pay Vehicle Excise Duty for road use. For moreinformation please see www.gov.uk/electric-bike-ruleswww.cycleplan.co.ukINSURANCE BOOKLET | 14SECTION 3 - PERSONAL ACCIDENT & LOSS OF EARNINGSProvides cover for BODILY INJURY permanent disablement, physiotherapy, loss of income, broken bones, hospitalisation and emergencydental expenses.DEFINITIONSFor the purposes of this section the following definition applies. Each word is listed with the meaning explained below and is printed inCAPITALS whenever it appears in this section.BODILY INJURYIdentifiable physical injury or death.WHAT IS COVEREDWhere this cover has been selected and is shown in Your Insurance Schedule We will cover:If, at any time You are involved in an Accident or a victim of a road rage incident whilst using a Bicycle within the Territorial Limits, Yousuffer a BODILY INJURY, which occurs solely, directly and independently of any other cause, then subject to the terms and conditions setout below, including in particular the exclusions, We shall pay the benefits as stated in Your Insurance Schedule subject to the applicablepercentage shown in insurance benefits below.Insurance benefits• The benefits payable will be the following percentage of the sum insured specified in the Insurance Schedule.• BODILY INJURY sustained by You which within 12 calendar months results in:Accidental DeathBenefit Percentage• Death of You aged 18 years and over 100%• Death of You aged less than 18 years 20%Permanent DisablementBenefit Percentage• Total and irrecoverable loss of use of all sight in both eyes and/or total and irrecoverable loss of use of 100%both hands or both feet or of one hand and one foot• Total and irrecoverable loss of use of one hand or one foot together with total and irrecoverable loss of 50%all sight in one eye• Total and irrecoverable loss of all sight in one eye or total and irrecoverable loss of use of one hand or 25%one foot• Total and permanent disablement (other than disablement in respect of eye(s), hand(s) and foot/feet), 100%from engaging in or attending to any profession, business or occupation whatsoever provided always thatthe benefits shall not be payable until such disablement has continued for a period of 12 calendar monthsPhysiotherapyBenefit Percentage• Non National Health expenses incurred by You 75%• This insurance is subject to the Excess specified in the Insurance Schedule.Loss of Earnings• The sum insured specified in the Insurance Schedule or 75% of earnings whichever is the less• Total disablement from engaging in or attending Your usual profession, business or occupation. Insurance is only provided if Youwere engaged permanently in that activity up to the time of the injury. Your entitlement to benefits under this section does notcommence until after the expiry of the period of days specified in Your Insurance Schedule. The amount of benefit shall be the lesserof the percentage of Net Income Lost specified in the Insurance Schedule and the maximum amount specified for this benefit in theInsurance Schedule.• The maximum benefit period is 52 weeks• This insurance is subject to the Excess period specified in the Insurance Schedule.Broken Bones• The sum insured specified in the Insurance Schedule if as a result of having sustained BODILY INJURY You fracture one or more of thebones listed below• Arm (Humerus, Radius, Ulna) or Wrist (Carpals), Leg (Femur, Tibia, Fibula), Ankle (Tarsals) or Kneecap (Patella).• We will only pay for fractures across the full width of the bone; or, which require surgical treatment under anaesthetic; or, which requirecomplete immobilisation in a cast for at least six weekswww.cycleplan.co.ukINSURANCE BOOKLET | 15Hospitalisation• The sum insured specified in the Insurance Schedule if, solely as a result of having sustained BODILY INJURY , You are required to stayin hospital for a period in Excess of 24 hours from the time of the original admission following the Bodily Injury for a maximum of 25days.Emergency Dental Expenses• Up to the sum specified in the Insurance Schedule if, solely as a result of having sustained BODILY INJURY, You require emergencydental treatment to sound, whole teeth.WHAT IS NOT COVERED1. Any Accident unless directly resulting from the use of the Bicycle2. Any Accident unless directly resulting from the use of the Bicycle and when not being used for trade or business purposes (excludingcommuting to and from work), hire, reward, courier use or carriage of paying passengers3. Any Accident whilst the Bicycle is being used for Competition, including racing, unless the Competition option has been selected, theadditional premium paid for and the Endorsement is shown on Your Insurance Schedule4. Any pre-existing defect, infirmity or sickness at the time of an Accident or which has not been disclosed by You at the time ofapplication for this Insurance and each renewal thereafter5. All claims arising out of unreasonable failure to seek or follow medical advice6. Contracting a sexually transmitted disease, pregnancy, childbirth, miscarriage, abortion or infertility treatment and also medicaloperations or treatments which are not medically necessary, including cosmetic or beauty treatments7. Any medical or surgical procedure performed on You for any gradually developing bodily deterioration whatever the cause of thatdeterioration8. If the injury arises from sickness, disease or disorder of any kind.www.cycleplan.co.ukINSURANCE BOOKLET | 16SECTION 4 – REPLACEMENT CYCLE HIREProvides indemnity for hire of Bicycle following a loss under section 1 (Bicycles and Accessories).WHAT IS COVEREDWhere this cover has been selected and is shown in Your Insurance Schedule We will cover the reasonable cost of the hire of an alternativeBicycle from an approved cycle dealer whilst awaiting the repair or replacement of Your Bicycle when the subject of an approved claimunder this Policy.WHAT IS NOT COVERED1. Any cost of hire which have not been agreed with Us and where Our prior authority has not been obtained2. Any costs which exceed the limit as specified on Your Insurance Schedule for the term of Your insurance3. Any costs which exceed the value of Bicycle immediately prior to the loss, or repair costs, whichever is the lesser4. Any costs that cannot be validated with evidence of expenditure5. Any costs incurred by anyone other than You.www.cycleplan.co.ukINSURANCE BOOKLET | 17GENERAL CONDITIONSThese are the conditions of the insurance You will need to meet as Your part of this contract. If Your do not a claim may be rejected orpayment could be reduced. In some circumstances Your Policy might be invalid.1. You must exercise reasonable care to prevent Accident, injury, loss or damage and at all times act as if uninsured2. The due observance and fulfilment of all terms and conditions of this Insurance by You, or anyone acting on Your behalf insofar as theyrelate to anything to be done or complied with by You or anyone acting on Your behalf shall be a condition precedent to Our liability tomake any payment under this Insurance3. You shall reimburse to Us any expenses not covered by this insurance, which are incurred by Us on Your behalf4. If You or any person acting on Your behalf shall make any claim or statement knowing the same to be false or fraudulent as regards theamount or otherwise, then this Insurance shall become void and all claims hereunder shall be forfeited5. Under Insurance - A proportionate reduction in any claims settlement will be made should You under insure (i.e. the Insured Value Youhave chosen is less than the Indemnity Value of the Bicycle)6. If there is any other insurance covering the same claim, or would have covered the claim but for the existence of this Policy, We willnot make any payment under Public Liability until all cover under that other insurance is exhausted. For all other claims We will not paymore than Our share of the claim, even if the other insurer refuses the claim.Important noteThis condition will not have the effect of leaving You without cover for any claim and operates where there is any other insurancecovering the same claim (or would have in the absence of this Policy) and determines how those insurance policies apply.www.cycleplan.co.ukINSURANCE BOOKLET | 18GENERAL EXCLUSIONSThe following exclusions apply to the whole of this Policy. Any other exclusions are shown in the Sections to which they apply.This Policy does not provide cover for any claims directly or indirectly caused, contributed to, by or happening through or in the consequenceof:1. Anything which occurred before the Period of Insurance2. Any act of fraud or dishonesty by You or anyone acting on Your behalf3. WarAny consequence whatsoever which is the direct or indirect result of any of the following, or anything connected with any of thefollowing, whether or not such consequence has been contributed to by any other cause or event:war, invasion, act of foreign enemy, hostilities or a warlike operation or operations (whether war be declared or not), civil war, mutiny,rebellion, revolution, military rising, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military orusurped power.4. TerrorismAny consequence whatsoever which is directly or indirectly caused by nuclear and/or chemical and/or biological and/or radiologicalmeans, or anything connected with those means, and which is the direct or indirect result of Terrorism, or anything connected withTerrorism, whether or not such consequence has been contributed to by any other cause or event.Terrorism is defined as any act or acts including, but not limited to:a. the use or threat of force and/or violence and/orb. harm or damage to life or to property (or the threat of such harm or damage) including, but not limited to, harm or damage bynuclear and/or chemical and/or biological and/or radiological means caused or occasioned by any person(s) or group(s) of personsin whole or in part for political, religious, ideological or similar purposes including, but not limited to, the intention to influence anygovernment and/or to put the public or any section of the public in fear, or is claimed to be caused or occasioned in whole or in partfor such purposes.5. Other ActionsAny consequence whatsoever which is the direct or indirect result of any of the following, or anything connected with any of thefollowing, whether or not such consequence has been contributed to by any other cause or event:any action taken in controlling, preventing, suppressing or in any way relating to 3) War or 4) Terrorism above.6. Ionising radiation or contamination by radioactivity from any nuclear fuel, or from any nuclear waste from burning nuclear fuel7. Radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof8. Pressure waves from aircraft or other aerial devices travelling at supersonic speeds9. Suicide or attempted suicide, intentional self-injury or deliberate exposure to unusual danger (except in an attempt to save life), Youbeing under the influence of alcohol or drugs, or suffering from mental sickness, nervous anxiety, depression, emotional disordersor stress related conditions or complaints (even if the mental sickness, nervous anxiety, depression or stress related conditions orcomplaints arose out of a physical Accident or Bodily Injury)10. Any loss or damage:a. deliberately caused by; orb. arising from a criminal act caused by;You or any other person living with You.11. Consequence of or in any way involving reckless disregard and/or wilful breach of duty of any kind12. Any claims brought against the You in any country or jurisdiction outside of the United Kingdom13. Claims arising out of the discharge, dispersal, release or escape of smoke, vapours, soot, fumes, acids, alkalis, toxic chemicals, liquidsor gases, waste materials or other irritants, contaminants or pollutants into or upon land, the atmosphere or any watercourse or bodyof water, but this exclusion does not apply if such discharge, dispersal, release or escape is caused by a sudden unexpected andunintended happening. It is further agreed that expenses for the prevention of any contamination or pollution shall also form part of thisexclusion and shall not be recoverable under this Insurance14. Loss or damage caused by decay, wear and tear, moth, vermin, atmospheric or climatic conditions, manufacturing fault, inherent defect,deterioration or mechanical derangement of any kind15. Loss due to confiscation, detention by Customs or other authority.16. Any claims arising from the use of an E-Scooter being useda. on public land including parks, pavements, footpaths and roads and;b. where it is not permitted by lawSANCTION LIMITATION AND EXCLUSION CLAUSEWe shall not provide cover nor shall they be liable to pay any claim or provide any benefit hereunder to the extent that the provision of suchcover, payment of such claim or provision of such benefit would expose the Underwriters to any sanction, prohibition or restriction underUnited Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United Statesof America.www.cycleplan.co.ukINSURANCE BOOKLET | 19COMPLAINTS PROCEDUREOur commitment to customer serviceWe are committed to going the extra mile for Our customers. If You believe that We have not delivered the service You expected, We want tohear from You so that We can try to put things right. We take all complaints seriously and following the steps below will help Us understandYour concerns and give You a fair response.HOW TO COMPLAIN• Please quote Your Policy number and claim reference (if applicable) in all correspondence so that Your concerns may be dealt withspeedily.• If You are unhappy with any element of the cover we provide or any aspect of Our service or have a cause for complaint, please contact:Subject ContactA claim Please contact Davies Group Customer Relations:• Email – customer.care@davies-group.com• Post – Davies Managed Systems Limited, PO BOX 2801, Hanley, Stoke on Trent, ST4 5DN• Phone – 01782 339128Details of the Davies Group internal complaint-handling procedures are available on request.All other matters Please contact Cycleplan:• Email – complaints@ripeinsurance.co.uk• Post – Cycleplan, The Royals 353 Altrincham Road, Manchester, M22 4BJ• Phone – 0333 400 7178COMPLAINTS PROCESSWe will:• Acknowledge all complaints promptly• Investigate quickly and thoroughly• Keep You informed of progress• Do everything possible to resolve Your complaint• Use the information from Your complaint to proactively improve Our service in the future.Once Your complaint is reviewed, a final decision will be issued in writing within 8 weeks of the date Your complaint is received.IF YOU ARE STILL NOT HAPPYIf You are still unhappy after Our review, or You have not received a written offer of resolution within 8 weeks of the date We receivedYour complaint, You may be eligible to refer Your case to the Financial Ombudsman Service (FOS). The FOS is an independent body thatarbitrates on complaints. They can be contacted at:• Post: Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London E14 9SR• Telephone: 0800 0234567 (Calls from UK landlines and mobiles are free) or 0300 1239123 (for mobile users)• Website: www.financial-ombudsman.org.ukYou have the right to refer Your complaint to the Financial Ombudsman, free of charge, but You must do so within six months from thedate of the final response letter. If You do not refer Your compliant in time, the Ombudsman will not have our permission to consider Yourcomplaint and so will only be able to do so in very limited circumstances. This does not affect Your right to take legal action, however, theFOS will not adjudicate on any case where litigation has commenced.YOUR RIGHTSYour rights as a customer to take legal action remain unaffected by the existence or use of any complaint procedures referred to above.However, the Financial Ombudsman Service will not adjudicate on any cases where litigation has commenced.THE FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)We are covered by the FSCS. If We are unable to meet Our financial obligations You may be entitled to Compensation from the scheme,depending on the type of insurance and the circumstances of the Claim.For this type of insurance 90% of Your Claim is covered, without any upper limit. Further information about Compensation schemearrangements is available at www.fscs.org.uk.www.cycleplan.co.ukINSURANCE BOOKLET | 20DATA PROTECTION – PRIVACY NOTICEThe below information is how We deal with Your data protection as Your insurer. For further information on how Your broker handles Yourdata please refer the terms of business and privacy policy issued by them.PERSONAL INFORMATIONWe collect and use personal information about You so that We can provide You with a Policy that suits Your insurance needs. This noticeexplains the most important aspects of how We use Your information but You can get more information about the terms We use and viewOur full privacy policy at www.aviva.co.uk/privacypolicy or request a copy in writing to Us at Aviva, Freepost, Mailing Exclusion Team, Unit 5,Wanlip Road Ind Est, Syston, Leicester, LE7 1PDWe are the data controller responsible for this personal information as the insurer of the product. Additional controllers include your brokerwho are responsible for the sale and distribution of the product, and any applicable insurers, reinsurers or brokers We use.PERSONAL INFORMATION WE COLLECT AND HOW WE USE ITWe will use personal information collected from You and obtained from other sources:• to provide You with insurance: We need this to decide if We can offer insurance to You and if so on what terms and also to administerYour Policy, handle any claims and manage any renewal.• to support legitimate interests that We have as a business. We need this to:• manage arrangements We have with Our insurers, reinsurers and brokers We use, and for the detection and prevention of fraud,• help Us better understand Our customers and improve Our customer engagement. This includes profiling and customer analyticswhich allows Us to make certain predictions and assumptions about Your interests, make correlations about Our customers to improveOur products and to suggest other products which may be relevant or of interest to customers,• to meet any applicable legal or regulatory obligations: We need this to meet compliance requirements with Our regulators (e.g. FinancialConduct Authority), to comply with law enforcement and to manage legal claims, and• to carry out other activities that are in the public interest: for example We may need to use personal information to carry out anti-moneylaundering checks.The personal information We collect and use will include name, address, date of birth and financial information. If a claim is made We willalso collect personal information about the claim from You and any relevant third parties. We may also need to ask for details relating tothe health or any unspent offences or criminal convictions of You. We recognise that information about health and offences or criminalconvictions is particularly sensitive information. We’ll ensure that We only use that information where We need to for Our insurancepurposes (including assessing the terms of Your insurance contract, dealing with changes to Your Policy and/or dealing with claims.There may be times when We need consent to use personal information for a specific reason. If this happens We will make this clear to Youat the time. If You give Us consent to using personal information, You are free to withdraw this at any time by contacting Us – refer to the“Contacting Us” details below. Please note that if consent to use this information is withdrawn We will not be able to continue to process theinformation You gave Us for this/these purposes(s). This would not affect Our use of the information where consent is not required.Of course, You don’t have to provide Us with any personal information, but if You don’t provide the information We need We may not be ableto proceed with Your application or any claim You make.Some of the information We use as part of this application may be provided to Us by a third party. This may include information already heldabout You within the Aviva group, including details from previous quotes and claims, information We obtain from publicly available records,Our trusted third parties and from industry databases, including fraud prevention agencies and databases.CREDIT REFERENCE AGENCY SEARCHESTo ensure the We have the necessary facts to assess Your insurance risk, verify Your identity, help prevent fraud and provide You with Ourbest premium and payment options, We may need to obtain information relating to You at quotation, renewal and in certain circumstanceswhere Policy amendments are requested. We or Our agents may undertake checks against publicly available information (such as electoralroll, county court judgments, bankruptcy orders or repossession(s)). Similar checks may be made when assessing claims.The identity of Our Credit Reference Agency and the ways in which they use and share personal information, are explained in more detail atwww.transunion.co.uk/crain.AUTOMATED DECISION MAKINGWe carry out automated decision making to decide whether We can provide insurance to You and on what terms. In particular, We usean automated underwriting engine to process the personal information You provide as part of this application process. This will includeYour age and the level of cover You choose. We do this to calculate the insurance risk and how much the cover will cost You. Without thisinformation We are unable to provide a price that is relevant to Your individual circumstances and needs. We regularly check the way Ourunderwriting engine works to ensure We are being fair to Our customers. After the automatic decision has been made, You have the right tospeak to someone from Aviva who may review the decision and provide a more detailed explanation. If You wish to invoke this right pleasecontact Us at dataprt@aviva.com.HOW WE SHARE YOUR PERSONAL INFORMATION WITH OTHERSWe may share Your personal information:• with the Aviva group, Our agents and third parties who provide services to Us, and Your intermediary and other insurers (either directlyor via those acting for the insurer such as loss adjusters or investigators) to help Us administer Our products and services,• with regulatory bodies and law enforcement bodies, including the police, e.g. if We are required to do so to comply with a relevant legalor regulatory obligation,www.cycleplan.co.ukINSURANCE BOOKLET | 21• with other organisations including insurers, public bodies and the police (either directly or using shared databases) for fraud preventionand detection purposes,• with reinsurers who provide reinsurance services to Aviva and for each other in respect of risks underwritten by Aviva, with insurerswho cover Aviva under its group insurance policies and with Our brokers who arrange and manage such reinsurance and insurancearrangements. They will use Your data to decide whether to provide reinsurance and insurance cover, arrange and manage such cover,assess and deal with reinsurance and insurance claims under such cover and to meet legal obligations. They will keep Your data forthe period necessary for these purposes and may need to disclose it to other companies within their group, their agents and third partyservice providers, law enforcement and regulatory bodies.Some of the organisations We share information with may be located outside of the European Economic Area (“EEA”). We’ll always takesteps to ensure that any transfer of information outside of Europe is carefully managed to protect Your privacy rights. For more informationon this please see Our Privacy Policy or contact Us.HOW LONG WE KEEP YOUR PERSONAL INFORMATION FORWe maintain a retention Policy to ensure We only keep personal information for as long as We reasonably need it for the purposes explainedin this notice. We need to keep information for the period necessary to administer Your insurance and deal with claims and queries on YourPolicy. We may also need to keep information after Our relationship with You has ended, for example to ensure We have an accurate recordin the event of any complaints or challenges, carry out relevant fraud checks, or where We are required to do so for legal, regulatory or taxpurposes.YOUR RIGHTSYou have various rights in relation to Your personal information, including the right to request access to Your personal information, correctany mistakes on Our records, erase or restrict records where they are no longer required, object to use of personal information based onlegitimate business interests, including profiling and marketing, ask not to be subject to automated decision making if the decision produceslegal or other significant effects on You, and data portability. For more details in relation to Your rights, including how to exercise them,please see Our full privacy policy or contact Us – refer to the “Contacting Us” details below.CONTACTING USIf You have any questions about how We use personal information, or if You want to exercise Your rights stated above, please contact OurData Protection team by either emailing them at dataprt@aviva.com or writing to the Data Protection Officer, Level 5, Pitheavlis, Perth PH20NH.If You have a complaint or concern about how We use Your personal information, please contact Us in the first instance and We will attemptto resolve the issue as soon as possible. You also have the right to lodge a complaint with the Information Commissioners Office at anytime.The Royals, Altrincham Road, Manchester M22 4BJTel: 0333 400 7178email: admin@cycleplan.co.ukwww.cycleplan.co.uk14684 1/7/23Cycleplan® is a registered trademark and trading name of Ripe Insurance Services Limited which is Authorised and Regulated by theFinancial Conduct Authority. No. 313411.Registered office: The Royals, Altrincham Road, Manchester M22 4BJ. Registered in England No. 04507332.