Yellow Jersey Performance Bicycle Insurance. What is included: Crash & accidental damage; Theft at or away from home; Theft from vehicle; Vandalism; £2m third party public liability whilst using bikes listed in your schedule (you and your family); £2m third party public liability whilst using any bike (only you); European cover; Cover in transit; Family cover; Sportive and charity events; Cover whilst training; £250 accessories cover with the option to extend; Optional clothing & helmet cover; Taxi reimbursement; Loss of limb £7,500 (annual only); Loss of sight £7,500 (annual only); Death £7,500 (annual only); Permanent total disablement £15,000 (annual only); Dental treatment up to £500 (annual only); Physiotherapy up to £500 (annual only); Legal expenses to claim against the party at fault if you have suffered personal injury, up to £100,000 per claim. What is not included: Worldwide cover; Event withdrawal cover; Cover whilst racing; Theft from triathlon transition; Courier cycling; Emergency pedal cycle hire; Bike box cover; The first 10% of accidental damage, vandalism or theft claims, capped at £100 (policy excess); Claims for any pre-existing illness or injury Any claims for emergency medical care or repatriation after an accident abroad; Claims for marring, scratching, denting or cosmetic damage; Theft away from the insured location if you have used a lock that does not meet our security requirements: Bikes valued £1,500 or more require a Sold Secure Gold or Diamond bicycle lock, bikes valued less than £1,500 require a Sold Secure Silver bicycle lock. The following are restrictions on cover: Individual pedal cycle value is capped at £15,000; The total insured value cannot exceed £50,000; Personal accident cover is excluded for family members under 16 or over 85 years of age, on short term policies, or for any pre-existing condition; Third party liability is excluded for family members under 16 or over 85 years of age; Pedal cycles left unattended away from the insured location, locked to an immovable object for more than 12 hours; Pedal cycles left unattended for more than 1 hour within walking distance of your home are not covered for theft, unless stored in an insured location; Theft or damage to accessories, wheels or helmet & clothing unless the bike is stolen or damaged at the same time; Trips outside of the UK are restricted to Europe, and may not exceed 30 days at a time. Cover applies geographically as follows: Theft, malicious damage, accidental damage, personal accident, taxi reimbursement, and public liability are covered in Europe. Legal expenses are covered in the UK only. Policy Wording: This document is a legally binding contract of insurance between you and us. Complete pre-contractual and contractual information about the product is provided in the schedule and the statement of facts. We agree to insure you under the terms, conditions and exceptions contained in this policy wording, the schedule. You are insured for any liability, loss or damage that occurs during any period of insurance for which you have paid, or agreed topay a premium. This insurance is governed by English law. We’re open Monday to Friday: 9:00pm-5:00pm 0333 003 0046 0333 003 0600 support@yellowjersey.co.uk claims@yellowjersey.co.uk. You should read the claims section of this policy wording before submitting yourclaim. All claims must be submitted via your account on our website. Our in-house team of cycling insurance experts will take it from there.Remember that it is a condition of your policy to provide all information and assistance we may require during the course of our investigations. Failure to do so may result in unnecessary delays and expense being incurred or your claim not being paid.- you may cancel the insurance, without giving reason, by sending us written notice within 14 days of the commencement date or (if later) within 14 days of you receiving your contractual documentation. We will make a charge equal to the period of cover you have had. We will not refund any premium if you have made a claim.– whilst you may cancel this insurance afterthe 14-day cooling off period no refund of premium will be payable. We may cancel the insurance by sending you 7 days’ notice to your last known address. Wewill refund the part of your premium which applies to the remaining period of insurance (aslong as you have not made a claim).Your PerformancePolicy WordingIt is the intention to give you the best possible service but if you do have any questions orconcerns about this insurance or the handling of a claim you should follow the complaintsprocedure below:- Yellow Jersey, Prospero, 73 London Road, Redhill, Surrey, RH1 1LQ |Tel: 0333 003 0046 | Email: support@YellowJersey.co.uk.- Yellow Jersey, Prospero, 73 London Road, Redhill, Surrey, RH1 1LQ | Tel: 0333003 0600 | Email: claims@YellowJersey.co.uk.(SECTION 7) - Customer Relations Department, ARAG plc, 9 WhiteladiesRoad, Clifton, Bristol, BS8 1NN | TEL: 0117 917 1561 | EMAILcustomerrelations@arag.co.uk (hours of operation are 9am - 5pm, Monday to Fridayexcluding bank holidays. For our mutual protection and training purposes, calls may berecorded).If it is not possible to reach an agreement, you have the right to make an appeal to theFinancial Ombudsman Service. This also applies if you are insured in a business capacity andhave an annual turnover of less than £2million and fewer than ten staff.You may contact the Financial Ombudsman Service at: The Financial Ombudsman Service,Exchange Tower, London, E14 9SR | Tel: 0300 123 9 123 | Email: complaint.info@financial-ombudsman.org.uk. The above complaints procedure is in addition to your statutory rightsas a consumer. For further information about your statutory rights contact your localauthority Trading Standards Service or Citizens Advice Bureau.Your PerformancePolicy Wording“ ”hese terms are importantmake sure you understandthemAccident / Accidental A sudden or unexpected crash, fall or impact whilst using ortransporting your pedal cycle which causes damage to you and/oryour pedal cycle during the period of insurance.Accessories Pedal cycle related equipment owned by you and used inconjunction with the pedal cycle, which are not essential to itsoperation, including but not limited to: saddle bags, cycle computers,bottle cages, bottles, clip-on tri-bars.The following are not accessories:✘ upgraded parts (e.g. saddles/wheels/pedals), or componentssuch as power meters should be included as part of the pedalcycle value✘ phones or watches, unless used to record ride GPS data at thetime of the accidentAppointed Advisor The solicitor or other advisor appointed by ARAG to act on behalf ofyou.Approved Lock A lock specified in the Master Locksmiths Association (MLA) ‘SoldSecure’ list of pedal cycle locks which, at the time of purchase, isappropriate to the value of your pedal cycle.Pedal cycle(s) up to the value of £1,500 require a Sold SecureSilver lock;Pedal cycle(s) exceeding a value of £1,500 require a SoldSecure Gold or Diamond lock.✘ Accessory cables supplied with D-locks are not approved locks,and must not be used to secure your pedal cycle to animmovable object.TYour PerformancePolicy WordingBike BoxBodily injuryCollective ConditionalFee AgreementComputer SystemConditional FeeAgreementCourier CyclingDeath or identifiable physical injury resulting solely andindependently from an accident.A legally enforceable agreement entered into on a common basisbetween the appointed advisor and us to pay his or herprofessional fees on the basis of 100% “no-win no-fee”.Any computer hardware, software, communication system orelectronic device (including smartphones, laptops, tablets andwearable devices), server, cloud, microcontroller or similar system(including any associated input, output or data storage device,networking equipment or backup facility).A legally enforceable agreement entered into between you and anappointed advisor for paying their professional fees based on100% “no-win-no-fee”.Cycling to collect or deliver items of any kind in a professionalcontext, including to and from your courier shift. For the avoidanceof doubt, this does not include the carriage of passengers.Cyber Risk Any unauthorised, malicious or illegal act (or the threat of suchan act), involving access to or the processing, use or operation ofany computer system;Any error or omission involving access to or the processing, use,or operation of any computer system;Any partial or total unavailability or failure to access, process,use or operate any computer system; orAny loss of use, reduction in functionality, repair, replacement,restoration or reproduction of any data, including any amountrelating to the value of such data.Deadbolt A lock that can only be moved to a locked position by rotating a key. A spring-loaded latch is not a deadbolt. If you’re in anydoubt, please contact our support team.✘ We do not accept cardboard boxes. Your bike box must be madeof plastic, carbon fibre or metal.Luggage explicitly developed for the carriage of a pedalcycle or pedal cycle wheels, either owned or in your custody, careor control for the carriage of your own pedal cycle or pedalcycle wheels.Your PerformancePolicy WordingExtreme Force This requires the use of power tools or heavy machinery to break orcut a lock or immovable object. Bypassing security measures using simple tools, such as aspanner or knife, would not constitute extreme force.Family Any parents, spouse, partner, son, daughter or siblings, whopermanently live with you.Home The primary residence occupied by you, at the address shown inyour schedule.Helmets and Clothing Any specialist triathlon or cycling articles of clothing includingwetsuits, eyewear, footwear or headgear. You must add this benefit to your policy, it is not coveredautomatically.Immovable a) an object which cannot be undone or removed unless usingextreme forceb) an object from which the pedal cycle cannot be lifted, eitherover or under, without having broken the approved lockc) a securely fixed motor vehicle pedal cycle rack, locked to avehicle, which cannot be undone or removed unless usingextreme forced) a pedal cycle rack supplied expressly to secure pedal cycles,which cannot be undone or removed unless using extreme forceincluding those found at rail stations, city centres and places ofworkInsured Location The locations defined below are the only acceptable locations whereyou can keep the pedal cycle for more than 12 hours at a time:a) within your home or temporary holiday accommodationb) a locked domestic garage, locked outbuilding or locked shedwithin your home’s boundaries or a temporary holidayaccommodation accessed only by you, your family, or personsresiding with youThe following are not approved locations:✘ garage en bloc away from your home✘ sheds or storage units in your front garden, or those easilyaccessed from the street✘ shed or outbuildings with any exposed screws which can beremoved to gain accessYour PerformancePolicy Wordingc) self-contained, lockable room accessed only by you within a hallof residence, boarding school, office or house of multipleoccupancy (HMO).d)a privately-accessed pedal cycle storage unit within theimmediate boundaries of your home, hall of residenceboarding school or house of multiple occupancy (HMO)a hallway in a block of flats with lockable access restricted toresidentsa balcony with lockable entry accessed only by you on thesecond floor or aboveThe following are not approved locations:✘ storage units where your pedal cycle is visible from the outside✘ storage units on a public road or pavement✘ any balcony on the ground or first floor✘ any balcony that is easily accessible to anyone other than you If you’re in any doubt, you should contact our support teamwho will be happy to help.Insured Person The person named in the schedule as the insured.Legal Costs & Expenses a) reasonable legal costs, fees and disbursements reasonably andproportionately incurred by the appointed advisor on theStandard Basis and agreed in advance by us or FixedRecoverable Costs. The term “Standard Basis” can be foundwithin the Court’s Civil Procedure Rules Part 44;b) other side’s costs and disbursements where you have beenordered to pay them or pay them with our agreement.Malicious Damage Intentional damage caused by a third party.Pedal Cycle(s) Any bicycle, tricycle, tandem or trailer cycle (powered by humanpedalling and/or an electric battery with an output not exceeding250w and 15.5 mph) as disclosed on the schedule, including allcomponents, equipment upgrades, or cycle related equipment thatform part of the pedal cycle and are essential to its operation andwhich are owned by you or for which you are legally responsible. We cannot cover electric pedal cycles with motors greaterthan 250w, those that engage the motor without youpedalling or those that can be adjusted above 250w by youYour PerformancePolicy WordingPeriod of Insurance The period for which this policy is in force as shown onthe schedule.Pre-existing condition: a) any respiratory condition (relating to the lungs or breathing), aheart condition, stroke, Crohn’s disease, epilepsy, allergy, orcancer for which you have ever received treatment (includingsurgery, tests or investigations by a doctor or a consultant/specialist or prescribed medication);b) any psychiatric or psychological condition (including anxiety,stress and depression) for which you have suffered which youhave received medical advice or treatment or been prescribedmedication for in the last five years;c) any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic withinthe previous 12 months or for which you are prescribedmedication;d) any disease, illness or injury you are aware of but for which youhave not had a diagnosis.Reasonable Prospects ofSuccessA greater than 50% chance of you successfully pursuing the claimand of enforcing any judgment that might be obtained.Schedule The document showing the details of the insured person, the coverprovided and any additional terms and conditions specified.Small Claims Court A court in England & Wales that hears a claim falling under thesmall claims track in the County Court as defined by Section 26.6 (1)of the Civil Procedure Rules 1999; a court in Scotland that uses thesimple claims procedure as set out by the Courts Reform (Scotland)Act 2014, a court in Northern Ireland where the sum in dispute isless than £3,000.Sum Insured The amount set out on the schedule.Terrorism An act, or the threat of an act, by any person or group of persons,whether acting alone or on behalf of or in connection with anyorganisation or government, that:a) is committed for political, religious, ideological or similarpurposes; andb) is intended to influence any government or to put the public, orany section of the public, in fear; andc) involves violence against one or more persons; orinvolves damage to property; orendangers life other than that of the person committing theaction; orYour PerformancePolicy Wordingcreates a risk to health or safety of the public or a section of thepublic; oris designed to interfere with or to disrupt an electronic system.Unattended Whilst the pedal cycle is not being ridden or held by you oran adult who is entrusted with its safekeeping, for any period oftime.United Kingdom, UK England, Scotland, Wales, the Channel Islands, Isle of Man andNorthern Ireland.Value This may defined by using one of the following circumstances. Allvalues should be in GBP, inclusive of VAT:a) new or second hand pedal cycles should be insured at the priceyou paid, including the sum of any parts or upgrades which youpurchased and which form part of your pedal cycle;b) new or second hand pedal cycle accessories, helmets andclothing should insured for the price you paid;c) for vintage or antique pedal cycles and accessories, which areof particular worth due to their age, style or collectability, thesum shown in any valuation you provide to us, provided thatsuch valuation is less than three years old and has been providedby a vintage cycle retailer or other suitably qualified valuationexpert. If you are unable to provide photos documenting thecondition of the pedal cycle at the time of the valuation, youmust accept our valuation;d) for heavily discounted pedal cycles, the undiscountedreplacement cost at the purchase date for a pedal cycle which,when purchased from new, benefited from a significant and one-off discount. This discount must be visible on purchase receiptfrom a recognised retailer. If you’ve added parts to this since,you should add them at the price paid;e) for custom builds the price you paid for the sum of all the parts,including reasonable labour costs;f) for ex-demo, ex-display or ex-team pedal cycles, you shouldinsure it for the price you paid, including any parts or upgradesyou’ve added;g) for prize or gifted new pedal cycles, new accessories or newhelmets and clothing, RRP at the time of receipt, keepingevidence of the RRP and evidence of gifting. Any parts orupgrades should be added on top;h) for gifted second hand or used pedal cycles, you must agree avalue with us in advance of the inception of your policyotherwise we reserve the right to apply our view of value basedon the pedal cycle’s condition and current market value.Your PerformancePolicy WordingWe/Us/OurYou/YourThe insurers named in the schedule of insurance. For sections 1-6,this refers to Yellow Jersey on behalf of AWP P&C SA (whoseinsurance is administered by AWP Assistance UK Ltd trading asAllianz Assistance). Section 7 refers to ARAG plc on behalf ofSCOR UK Company Limited.The insured person named on the schedule or a member of yourfamily who is a resident of the United Kingdom.Your PerformancePolicy Wording“ ……”his is just a summary – youneed to read the whole thingfor the specifics.Theft Up to the sum insured Yes 10% of the claim, capped at £100If you own a Diamond rated Sold Secure lock, we will waive your excess whilst away from an insured location. You must prove the lock wasused at the time of the theft (e.g. a time stamped photo of the lock when you left your pedal cycle, or the remains of the cut lock)Accidental orMalicious DamageUp to the sum insured Yes 10% of the claim, capped at £100Public Liability £2m✘ Not in USA/CANYes NoHelmet & Clothing Up to the sum insured Optional 10% of the claim, capped at £100Taxi £150 per claim / £450 peryearYes NoLegal Expenses Up to £100,000 UK onlyYes NoPersonal Accident Up to £12,500 Yes NoLeisure Yes Europe Any trip up to 30 daysCommuting Yes Europe Any trip up to 30 daysSportives Yes Europe Any trip up to 30 daysRacing No N/A N/AFamily Cover Yes Europe Any trip up to 30 daysCourier Cycling No N/A N/ATYour PerformancePolicy WordingLocks and security are a crucial aspect of any pedal cycle insurance policy. To make it as easy as possible tounderstand our security criteria, we’ve included this handy guide and illustrations.You must still refer to the relevant theft sections for the full terms and conditions.Whenever you need to use a pedal cycle lock, it must be rated by Sold Secure.If you’re not sure what grade your lock yours is, Sold Secure’s website willtell you. The packaging on the lock typically displays the level too.For pedal cycles over £1,500, you must use a Sold Secure Gold, or Diamond rated lock.For pedal cycles £1,500 or under, you can use a Sold Secure Silver lock.We cannot accept any pedal cycle lock that isn’t rated by Sold Secure, even if a shop or website says thelock is ‘super strong’ or ‘heavy duty’.Accessory cables supplied with D-locks are not approved locks.Flexi-cable or combination locks are not approved locks.✔Secure the approved lock through the frame and bothwheels to an immovable objectTwo approved locks through each wheel andframe to an immovable object✘The D-Lock attached to the immovable object, withonly the accessory cable securing the pedal cycle.The D-lock is only securing the wheel. The framemust be secured to an immovable object.Your PerformancePolicy WordingWhen we refer to deadbolts for your house, flat, shed, garage or outbuilding, this must be a lock that canonly be locked by turning a key. We cannot accept sprung or night latches to secure any external doors.✔ Approved Deadbolt ✔ Approved Deadbolt ✘ Unapproved Latch LockSometimes sheds or outbuildings don’t have deadbolts, and that’s fine. If you usea padlock to secure the doors, this must be a closed shackled padlock, with a CEN3 rating or higher. There must not be any screws on the structure or door that can beremoved to gain access.✔ Security Hinges(no exposed screws)✔ Hasp and Staple(no exposed screws)✘ Unsecured Hinge(exposed screws)✘ Unsecured Latch(exposed screws)✔ Door DefenderGarage DoorsWe get lots of questions about electric or ‘up and over’ garage doors. They’re veryconvenient but also very straightforward to gain access to by forced entry.We’ve tried to standardise and simply our approach to these types of doors.Any electric or ‘up and over’ garage door must beapproved by ‘Secured by Design’, the official policesecurity initiative. There cannot be an external overridecapable of opening the door or shutters either.If your garage door doesn’t meet this criteria, you must either use a door defender(above) or secure the pedal cycles to an immovable object through the frame withan approved lock. Any external security must also be in operation.✘ No external overrideOpenShacklePadlock✔ ✘Your PerformancePolicy WordingOther insurers may have differing views on how to value your items. You may have even had a differentcycling insurance policy in the past.We have a consistent valuation method. Our examples below might help you if you’re unsure after readingthe definitions. Please follow our approach so we can settle your claims fairly.I purchased my bike for £5,000 from a retailer in 2016 and have had no upgrades since; what’s thevalue?The value is £5,000, i.e. the price you paid for it.Remember to include any pedals or upgrades you added at the time of purchase.I purchased my bike for £2,000 from a retailer in 2018 and then spent £1,800 upgrading the wheelsand saddle in 2019; what’s the value?The valuation is the total price paid for the bike and the extra parts, i.e. you paid £2,000, and thenspent £1,800 upgrading the wheels and saddle, you should value it at £3,800.I purchased a bike worth £1,000 RRP for £600 in a sale; what’s the value?It would be best if you insured it for the RRP at the time of purchase, i.e. £1,000. The invoiceshould show the discounted price.I was gifted a bike worth RRP £3,000 in 2019; what’s the value?The value of the bike is the RRP at the time of gifting, i.e. £3,000. This also includes if you won thebike as a prize in a competition. Remember to keep proof of the prize or evidence it was gifted.I purchased an antique bike ridden by Eddy Merckx for £5,000 in 2012; what’s the value?In this instance, you insure the bike for the value that an expert has calculated. You must providephotos of the bike and a copy of the valuation letter less than three years old to verify the value.I built a bike up myself from parts. I paid a total of £4,500 for the frameset, wheelset groupset andfinishing kit from various sources; what’s the value?It would be best to insured it for £4,500 plus a little extra for the labour costs.Your PerformancePolicy WordingI purchased a bike from a friend for £750; what’s the value?If you bought a bike from your friend for £750, you should insure it for £750.Remember to keep a copy of the receiptI bought a bike for £500 on the internet, and then purchased a brand new wheelset for £1,000;what’s the value?You should insure it for £1,500My Aunt gifted me a second-hand bike; what’s the value?If your Aunt has the receipt, e.g., she paid £450 on eBay, you should insure it for £450.If you don’t know the price she paid, speak to our support team in advance to agree on a value.My brother gifted me a second-hand bike, and I’ve since spent £700 upgrading the groupset; what’sthe value?If you know the price paid for the bike, add that to the new parts' price.If you’re in doubt, confirm the value with our support team.I paid £2,500 for an ex-demo / ex-display bike, but it’s worth £5,000 RRP; what’s the value?If you paid £2,500 for an ex-display bike, you should insure it for £2,500. This also includes buyingbikes sold off by race teams at the end of a season.Your PerformancePolicy Wording”“Log into your account on our website to claim online. Once you have submitted the information,our expert claims team will take it from there.For any pedal cycle, accessories, helmet or clothing that is lost or suffers accidental or maliciousdamage we will choose whether to:replace or repair the item or partpay the cost of replacing or repairing the item or part, up to the amount it would have cost usto replace or repair using our suppliers, or as a last resortmake a cash paymentWe won’t pay more than the amount it would have cost us to replace or repair via oursuppliers.We do not have to use any pedal cycle dealer or distributor nominated or selected by you.However, if your preferred pedal cycle dealer or distributor will match the prices available tous and work with us directly, we will consider your request.You must accept that we may appoint a specialist, including carbon restoration experts, toinvestigate, repair and restore any pedal cycle claim on our behalf.You must retain any damaged pedal cycles for inspection unless we have advised otherwise.You must accept that in the event of repair, we are not liable for the loss of warranty.We reserve the right to decline any costs incurred by you before our team approves of yourclaim.If appropriate parts or replacement items are not available, we will pay the item’s full cost,provided the sum insured is adequate.In the event of a partial or total loss, we will request the original parts from you prior tosettlement of replacement parts, accessories or pedal cycles.We reserve the right to request you make use of a manufacturer crash replacement guaranteeif available to you.Pedal cycles are limited to the sum insured shown on your schedule or the pedal cycle’svalue, whichever is less.T he reason you buyinsurance; make sureyou read this bit.Your PerformancePolicy WordingAccessories are limited to the price you paid, capped at the sum insured shown on yourschedule.Additional wheelsets are limited to the sum insured shown on your schedule or thewheelset’s value, whichever is less.The most we will pay is limited to the value of the damaged item(s) claimed for, rather thanup to the full pedal cycle replacement cost as new.We will pay for a maximum of 10 sessions within 90 days of the date you first became awareof the accident that caused your injury, capped at the limit shown in your schedule. We willreimburse for all costs after the 90 day period has ended, or the course of treatment hasended, whichever is sooner.If the sum insured isn’t enough to cover the pedal cycle value, we will reduce any payment in linewith the reduction in insured value.You buy your pedal cycle for £2,000 but insure it for £1,000.It suffers £500 worth of damage in an accident.We would only pay £250 towards the cost, in line with your underinsurance of 50%.You buy your pedal cycle for £2,000 but you only insure it for £1,000.It is stolen.We would pay up to £1,000.You will have to pay any excesses shown in your schedule. If we have asked one of our suppliers todeal with all or part of your claim, we may ask them to collect the excess from you.If one wheel or part of a groupset is damaged (e.g. one shifter), and we can’t repair or replace it withthe same product of similar quality, specification and colour, we will at our discretion:replace the pair of items or set with an equivalent; orpay the cost of replacing the pair of items or set to the amount it would have cost us toreplace the item using our own suppliers.If no equivalent pair of items or set is available, we will pay the RRP at the time of purchase ifpurchased as new, or the current market value for the used part(s) if purchased second hand,providing the sum insured is adequate.If we ask you to, you will have to give up the undamaged parts of the pair or set to us where the fullreplacement cost has been paid.Your PerformancePolicy Wording“ ”his list might seem long, but we think it’s pretty straightforward.We thought we’d lay out our cards now to avoid any surpriseslater on. If you’re in any doubt, please get touch with our friendlysupport team.✘ you cannot provide the receipts (purchase date, the price paid, details of items, name and address ofa seller) for your:pedal cycle, accessories, helmet & clothing, or additional wheelsetsapproved lockpadlocksemergency taxi ridephysio or dental costs✘ you submit your claim more than 28 days after the incident that caused you to claim✘ you have not reported the theft to the police within 24 hours of discovering your pedal cycle isstolen✘ you have not reported damage or theft to an airline within 24hrs of noticing the loss✘ the pedal cycle is being used by anyone other than you and your family✘ you leave a pedal cycle somewhere other than an insured location for more than 12 consecutivehours✘ you are riding a pedal cycle not listed on your schedule (other than Section 5 Public Liability forthe named policyholder only)✘ you cannot reasonably explain how and when the damage or accident occurred✘ your damage claim does not involve accidental damage to the pedal cycle✘ you are using the pedal cycle for any form of race or competition, including when left in atransition zone✘ you are using the pedal cycle for courier cycling✘ you are performing stunts✘ you are a professional cyclist (unless referred and agreed by us in advance)✘ you are cycling for business, other than commuting to and from work (unless referred and agreedby us in advance)✘ you have committed any unlawful acts whilst in control of your pedal cycle✘ damage caused by a professional delivery or courier company, unless securely packed in a bike boxand a receipt obtained✘ loss or damage if you have sold the pedal cycle, or have agreed to sell the pedal cycle, includingduring delivery of the pedal cycle to a new owner✘ you have failed to maintain the pedal cycle in accordance with the manufacturers’ adviceTYour PerformancePolicy Wording“ ”✘ the pedal cycle suffers from a mechanical or electrical breakdown or defect or electronicmalfunction✘ the damage is caused by faulty or defective design, materials or workmanship or latent defect anddefects in the operation✘ the loss is due to a pre-existing condition✘ your bike box is damaged✘ you cannot reasonably explain how and when the theft or loss occurred✘ you leave a pedal cycle somewhere other than an insured location for more than 12 consecutivehours✘ your pedal cycle is stolen within walking distance of your home whilst unattended for more than1 hour, unless stored in an insured location (house, flat, shed, garage etc)✘ you loan or hire the pedal cycle to anyone other than member of your family✘ the pedal cycle is stolen by someone entrusted with it✘ the lock you used is not an approved lock, which includes not using a lock suitable to the cyclevalue of your pedal cycle✘ you cannot demonstrate entry was gained by force, with visible damage to the fabric of the buildingor vehicle at the point of entry, the immovable object or the approved lock✘ a delivery or courier company (other than an airline) is responsible for your pedal cycle at the timeof the loss✘ you leave your pedal cycle in a transition zone for an event or race✘ loss or damage if you have sold the pedal cycle, or have agreed to sell the pedal cycle, includingduring delivery of the pedal cycle to a new owner✘ unlocked wheels or cycle accessories are stolen, unless the whole pedal cycle is stolen in the sameincident✘ if your approved lock does not directly attach the frame to an immovable object where required✘ your bike box is lost or stolenThis policy will never cover the following:✘ natural disasters✘ financial default✘ epidemic or pandemic✘ cyber risks of any kind✘ pollution or threat of pollutant release✘ war, invasion, terrorism, acts of foreign enemies, hostilities (whether or not war has been declared),civil war, rebellion, revolution, insurrection, military or usurped power✘ ionising radiation or contamination by radioactivity from any nuclear fuel, or from any nuclearwaste from burning nuclear fuel✘ radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly ornuclear component thereof✘ pressure waves from aircraft or other aerial devices travelling at supersonic speeds✘ suicide attempted suicide or deliberate injury to yourself or putting yourself in unnecessary danger(unless trying to save human life)✘ solvent use, being under the influence of drugs or alcohol, except those prescribed by a registereddoctor, or drugs which have been prescribed by a registered doctor and not those prescribed for drugaddictionsorry, we didn'tchoose these ones…Your PerformancePolicy Wording✔ your pedal cycle listed on your schedule foraccidental or malicious damage, up to its suminsured✔ your accessories, helmet & clothing andadditional wheelsets, up to their sum insured (ifselected) for accidental and malicious damage✘ any of the cycling exclusions✘ accidental damage without a reasonableexplanation✘ malicious damage for unattended pedal cyclesunless you have adhered to our securityrequirements✘ claims for a frame or wheelset unless there arevisible signs of structural damage✘ any marring, scratching, denting, cosmeticdamage or wear & tear✘ consequential losses arising from an uninsuredevent or damage✘ any costs incurred by you which have not beenauthorised by usWe are here to help and we’ve got your back! Below are some common reasons we’ve had to decline damageclaims:If you want your helmets or clothing covered, you need to add this to your policy. It is notcovered as standard.We will cover your smart phone or smart watch if it is damaged when being used to recordthe GPS of the ride. If it’s just in your pocket, and is incidental to your cycling, we can’t.The onus is on you to demonstrate ownership. The easiest way to do this is to take photos ofthe receipts, or save copies of e-receipts.You must be riding or using your pedal cycle at the time, and notice the damage beingcaused to you or your pedal cycle.Your PerformancePolicy WordingDo not discuss whose fault the accident was or accept any responsibility.Always exchange details with the other drivers/cyclists, including names, addresses,registration numbers and Insurer names and policy numbers.If you have a camera available, and it is safe to do so, take photos of the vehicle positionsbefore they are moved and the vehicle damage, as they may assist with establishing liability.If anybody is injured or you do not exchange details at the scene, then report the matter to thepolice within 24 hours.Do not answer directly to any correspondence received from any representatives of the otherparties involved.Ensure your claim is submitted to Yellow Jersey Claims via the online client area within 28days.All incidents, no matter how minor they may seem should be reported.Your PerformancePolicy WordingTheft of your pedal cycle, wheelsets & accessories when stored inthe following insured locations and you have adhered to our securityrequirements:✔ within your home or temporary holidayaccommodation! This section does not refer to:domestic garages, outbuildings and sheds (seelocation B)houses of multiple occupancy (HMOs) – (seelocation C)! Pedal cycles left unattended for more than 1hour outside anywhere within walkingdistance of your home are not covered fortheft, unless stored in an insured location.all external security devices (e.g. window locksand alarms) must be in operation and every exitdoor must be secured with a deadboltyou must not leave the home unoccupied formore than 30 consecutive days without spendinga night thereyou must not leave your pedal cycle outsidewithin walking distance of your home for morethan 1 hour✔ a locked domestic garage, locked outbuilding orlocked shed within the boundaries of yourhome or temporary holiday accommodation,accessed only by you, your family or personsresiding with youThe following are not approved locations:✘ garage en bloc away from your home✘ sheds in your front garden or those easilyaccessed from the street✘ sheds or outbuildings with any exposedscrews that can be removed to gain access! Pedal cycles which are unattended for morethan 1 hour within your front garden, orwithin walking distance of your home are notcovered for theft.! If you’re in any doubt about your garage,shed or outbuilding, please contact oursupport team.IF all external doors are secured by a deadbolt or aCEN Grade 3 closed shackle padlock, or all garagedoors are approved by the company “Secure byDesign”, pedal cycles do NOT need to be lockedto an immovable objectOTHERWISE pedal cycles must be securedthrough the frame, with an approved lock, toan immovable object within the structureIN ADDITION to external securityrequirements above, every pedal cyclevalued over £1,500 stored in a wooden shedor outbuilding, must be secured through theframe by an approved lock to animmovable objectgarage doors must not have an external overridesheds or outbuildings must not have any exposedscrews which can be removed to gain accessyou must not leave the home unoccupied formore than 30 consecutive days without spendinga night thereyou must not leave your pedal cycle in a shed orstorage unit in your front garden for any periodof timeYour PerformancePolicy Wording✔ a self-contained lockable room accessed only byyou within a university hall of residence,boarding school, office or house of multipleoccupancy (HMO)all external security devices must be in operatione.g., you need to lock your final exit doors, andput your alarm on (if you have one)you must not leave the room unoccupied formore than 30 consecutive days without spendinga night thereyou must not leave your office unoccupied formore than 30 consecutive days without spendinga working day there✔ a privately-accessed pedal cycle storage unitwithin the immediate boundaries of your home,hall of residence, boarding school or house ofmultiple occupancy (HMO)✔ a hallway in a block of flats with lockableaccess restricted to residents✔ a balcony with lockable entry accessed only byyou on the second floor or aboveThe following are not approved locations:✘ storage units where your pedal cycle isvisible from the outside✘ storage units on a public road or pavement✘ any balcony on the ground or first floor✘ any balcony that is easily accessible toanyone other than youpedal cycle(s) must be secured through the frameby an approved lock to an immovable objectwithin the storage unit or hallwaythe pedal cycle must not be visible from theoutside of the storage unitentry to the storage unit must only be gained viathe door, gate or lid lock, with lockable accessrestricted to those who keep pedal cycles withinit.it must not be possible to climb under or over thestorage unit to gain accessyou must not leave the accommodationunoccupied for more than 30 consecutive dayswithout spending a night there! If you’re in any doubt about your storage unit,please contact our support team.We are here to help and we’ve got your back! Below are some common reasons we’ve had to decline theftclaims from home or insured locations:If someone ONLY steals your pedal cycle computer or your lights, we can’t cover that; thewhole pedal cycle must be stolen. When you leave your pedal cycle in any location that isaccessed by anyone other than you or your family, take your accessories with you.Accessory cables supplied with D-locks are not approved locks, and must not be used tosecure your pedal cycle to an immovable object.There is a big difference in the quality of storage units; some are much less secure than othersand are not approved by us. If you’re in any doubt about your storage unit, please contactour support team.Your PerformancePolicy WordingEvery exit door on your home needs one. To close these locks, you have to turn a key, notjust pull the door to on a latch. Dead bolts offer much higher security than a latch, which iswhy we insist on them.If your battery or screen isn’t lockable, you need to take these with you when you lock upyour pedal cycle in any location that is accessed by anyone other than you or your family.We can’t insure these items against theft, if they can be removed without force.Choose your immovable object carefully. A thief would require heavy machinery to break animmovable object, not just a spanner or a knife.You need to lock the pedal cycle frame with an approved lock directly to an immovableobject. If you only lock the wheel, a thief doesn’t need to break to a lock to take the pedalcycle.The onus is on you to demonstrate ownership. The easiest way to do this is to take photos ofthe receipts, or save copies of e-receipts.We only accept Sold Secure rated pedal cycle locks. Whilst pedal cycles under £1,500 canuse a Silver rated lock, we always recommend a Gold or Diamond lock for all pedal cycles.Any pedal cycle over £1,500 must use a Gold or Diamond lock.Your PerformancePolicy Wording✔ you are riding or holding your pedal cycle✔ your pedal cycle is locked to an immovableobject through the frame with an approved lockfor less than 12 consecutive hours✔ your pedal cycle is temporarily locked within avehicle for less than 12 hours since you last droveit, providing all security devices in operation andwindows shut✔ your pedal cycle is lost or stolen when with anairline and you report it to the airline within 24hours of discovering the loss✘ any of the cycling exclusions✘ theft of your pedal cycle when unattendedand not locked with an approved lock✘ theft from a vehicle unless all doors andwindows are shut, and all security devices arein operation. If there is a deadbolt, this mustbe used tooWe are here to help and we’ve got your back! Below are some common reasons we’ve had to decline theftclaims when you’re out and about.Accessory cables supplied with D-locks are not approved locks, and must not be used tosecure your pedal cycle to an immovable object.When locked up away from an insured location, hangars are simply an immovable objectand must only be left for up to 12 hours at a time.You can’t leave your pedal cycle in one place for prolonged periods, but come back to checkon it every 12 hours. Thieves know it’s there, and they will likely return to steal it.If someone just steals your pedal cycle computer or your lights, we can’t insure against that;the whole pedal cycle must be stolen. When you stop at a café or the shops, take youraccessories with you to prevent uninsured theft.If your battery or screen isn’t lockable, you need to take these with you when you lock upyour pedal cycle in any location that is accessed by anyone other than you or your family.We can’t insure these items against theft, if they can be removed without force.Your PerformancePolicy WordingChoose your immovable object carefully. A thief would require heavy machinery to break animmovable object, not just a spanner or a knife.You cannot store your pedal cycle in a vehicle for longer than 12 hours; you cannot checkback in on it to reset the clock. Whenever you are at home, you must remove it from yourvehicle.A pedal cycle rack on the rear or roof of a vehicle is like any other immovable object. Theymust be locked with an approved lock. The rack itself must also be secured to the vehicle. Ifa thief can cut fabric straps to steal your pedal cycle, this is not immovable.You need to lock the pedal cycle frame with an approved lock directly to an immovableobject. If you only lock the wheel, a thief doesn’t need to break to a lock to take the pedalcycle.You can’t leave your pedal cycle locked up outside within walking distance of your homefor more than 1 hour. This includes in or on a vehicle, or within your front garden.The onus is on you to demonstrate ownership. The easiest way to do this is to take photos ofthe receipts, or save copies of e-receipts.We only accept Sold Secure rated pedal cycle locks. Whilst pedal cycles under £1,500 canuse a Silver rated, we always recommend a Gold or Diamond lock for all pedal cycles. Anypedal cycle over £1,500 must use a Gold or Diamond lock.If a thief can ride off with your pedal cycle without you noticing or intervening, you are notattending to it. You should either be riding, or holding your pedal cycle when out and about.Your PerformancePolicy WordingInjuries you sustain in an accident whilst you areusing your pedal cycle up to the sums below:✔ loss of limb being the physical separation of oneor more hands or feet or permanent and total lossof use of one or more hands or feet - £7,500✔ total and irrecoverable loss of sight in both eyes- £7,500✔ death - £7,500✔ Permanent Total Disablement which entirelyprevents you from attending to any remunerativeoccupation following a medical review 12months after the date of disablement - £15,000✔ physiotherapy - £500✔ dental costs - £500✘ any of the cycling exclusions✘ any medical costs, other than physiotherapy ordental costs✘ any physiotherapy or dental costs withoutwritten advice from a medical practitioneradvising that you receive private treatmentrather than utilising care provided by theNational Health Service✘ any physiotherapy or dental costs incurred morethan 3 months after the accident✘ any cosmetic, elective or aesthetic dentaltreatment✘ injuries sustained by any person aged under 16✘ injuries which occur while you are under theeffects of drugs or alcohol at the time of theaccident✘ your death which occurs more than 30 days afterthe accident✘ more than one benefit under this section of coverduring any one period of insuranceWe are here to help and we’ve got your back! Below are some common reasons we’ve had to declinepersonal accident claims.You must be riding a pedal cycle listed on your schedule for the personal accident cover tobe in force.We cannot cover any niggle, injury or illness that you were aware of before this policyincepted.Your PerformancePolicy Wording✔ up to £2,000,000 to cover your legal liability fordamages you have to pay which arises from youruse of or ownership of a pedal cycle if someonemakes a claim against you during the period ofinsurance for:accidental death or illness of, or bodilyinjury to, any personaccidental loss of or damage to property✔ for any costs, expenses, and legal fees to defendyou, if we have agreed this in writingCover for the named policyholder only underthis section also extends to any pedal cycle.✘ legal liability in the United States of America orCanada or their dependencies or trust territories✘ legal liability arising out of the use or ownershipof a pedal cycle by any member of your familyunder age 16 or over 85✘ liability arising from loss or damage to property,which belongs to you or is in your care, custodyor control✘ where you are entitled to indemnity from anothersource✘ any liability arising from your courier cycling✘ when punitive, exemplary or aggravated damagesare awarded against you✘ any liability for bodily injury, loss or damage toyour employees or members of your family orhousehold or to their property✘ anyone being carried on the pedal cycle otherthan youAlways exchange details with the other drivers/cyclists, including names, addresses,registration numbers and insurer names and policy numbers.Obtain witness details, including those of passengers in any vehicle involved.If you have a camera available, and it is safe to do so, take photos of the vehicle positionsbefore they are moved and the vehicle damage, as they may assist with establishing liability.Do not discuss whose fault the accident was or accept any responsibility.If anybody is injured or you do not exchange details at the scene, then report the matter to thepolice within 24 hours.Do not answer directly any correspondence received from any representatives of the otherparties involved.Ensure your claim is submitted to Yellow Jersey Claims via the online client area within 28days.All incidents, no matter how minor they may seem should be reported.Your PerformancePolicy Wording✔ for up to £150 for the reasonable cost of a taxifor you and your pedal cycle to travel to youronward destination or insured location, if youcan provide proof the pedal cycle could not berepaired at the breakdown scene✘ if you cannot provide a receipt for your taxi ride✘ if you have a puncture which you can repair atthe scene✘ if you are within 1 mile of your insured locationor onward destination✘ any costs in excess of £150 per single taxi trip✘ any total taxi costs in excess of £450 during theperiod of insuranceWe are here to help and we’ve got your back!You should make every effort to repair punctures at the scene before calling a taxi.✔ This policy will help you if an event which isanother party’s fault:damages your pedal cycle and/or personalproperty in or on it, and/or;injures or kills you whilst on your pedalcycle✔ The insurer will pay your legal costs &expenses up to £100,000 (for all claims arisingfrom or relating to the same original causeincluding the cost of appeals) provided that:1. you have paid the insurance premium2. you keep to the terms of this policy andcooperate fully with us3. the accident happens in the territorial limits4. the claim:i. always has reasonable prospects of successii. is reported to us:during the period of insuranceas soon as possible after the accident5. unless there is a conflict of interest, youalways agree to use the appointed advisorchosen by us6. the claim falls under the jurisdiction of acourt in the UK7. you enter into a conditional fee agreement(unless the appointed advisor has entered intoa collective conditional fee agreement) wherelegally permitted.The insurer will not cover any claim arising from orrelating to:✘ legal costs & expenses incurred before weaccept a claim or without our written agreement✘ a contract✘ defending any claim other than appeals againstyou✘ an accident that happens before the start of thepolicy✘ fines, penalties or compensation awardedagainst you✘ a group litigation orderUnder no circumstances should you instruct your own lawyer as our legal expenses providerwill not pay any costs incurred without prior agreement.Once your claim is submitted, if an advisor believes the accident is not your fault, we willarrange a legal expert to contact you who will help claim back uninsured losses and includingclaiming compensation for any injuries.Ensure no contact is made with anyone else regarding claiming back your losses orcompensation for personal injury until you hear from us.This policy will pay any otherwise covered claim involving the use of or inability to use a computer, includingdevices such as smart phones, tablets and wearable technology. This cover is subject to all other policy terms.Your PerformancePolicy WordingWhere the insurer’s risk under this policy has increased due to your failure to keep to these conditions theinsurer can cancel your policy, refuse a claim or withdraw from an ongoing claim. The insurer alsoreserves the right to claim back legal costs & expenses from you if this happens.1. Your responsibilitiesYou must:a) tell us immediately of anything that may make it more costly or difficult for the appointed advisor toclaim back lossesb) cooperate fully with us, give the appointed advisor any instructions we require, keep them updatedwith progress of the claim and not hinder themc) take reasonable steps to claim back legal costs & expenses and, where recovered, pay them to theinsurerd) keep legal costs & expenses as low as possiblee) allow the insurer at any time to take over and conduct in your name, any claim2. Freedom to choose an appointed advisora) In certain circumstances as set out in 2. b) below, you may choose an appointed advisor. In all othercases no such right exists and we shall choose the appointed advisor.b) If we agree to start proceedings or there is a conflict of interest, you may choose a suitably qualifiedappointed advisor.c) Where you wish to exercise your right to choose, you should write to us with your preferredrepresentative’s contact details.d) If you dismiss the appointed advisor without good reason, or withdraws from the claim without ourwritten agreement, or if the appointed advisor refuses to continue acting for you with good reason,the cover will end immediately.e) We reserve the right to appoint another appointed representative in accordance with 2. b) and c)above.3. ConsentYou must agree to us having sight of the appointed advisor’s file relating to your claim. You areconsidered to have provided consent to us or our appointed agent to have sight of your file for auditingand quality control purposes.4. Settlementa) The insurer can settle the claim by paying the reasonable value of your claim.b) You must not negotiate, settle the claim or agree to pay legal costs & expenses without our writtenagreement.c) If you refuse to settle the claim following advice to do so from the appointed advisor the insurermay refuse to pay further legal costs & expenses.5. Barrister’s opinionWe may require you to obtain and pay for an opinion from a barrister regarding the merits or value of theclaim. If the opinion supports the you, then the insurer will reimburse the reasonable costs of thatopinion. If that opinion conflicts with advice obtained by us, then the insurer will pay for a final opinionwhich shall be binding on the you and us. This does not affect your right under Condition 6 below.Your PerformancePolicy Wording6. DisputesIf any dispute between you and us arises from this policy, you can make a complaint to us as described inthe Complaints Procedure and we will try to resolve the matter. If we are unable to satisfy your concerns,you can ask the Financial Ombudsman Service to arbitrate over the complaint.7. CancellationYou may cancel this Section of the policy only if you cancel your policy in its entirety.Your PerformancePolicy WordingSection 1-6 of this insurance is Underwritten by AWP P&C SA and administered in the UKby AWP Assistance UK Ltd trading as Allianz Assistance.AWP Assistance UK Ltd is authorised and regulated by the Financial Conduct Authority.AWP P&C SA is authorised and regulated by L’Autorité de Contrôle Prudentiel et deRésolution in France. Deemed authorised by the Prudential Regulation Authority. Subject toregulation by the Financial Conduct Authority and limited regulation by the PrudentialRegulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, areavailable on the Financial Conduct Authority’s website.Section 7 Legal Expenses is administered by ARAG plc under a binding authorityagreement with the insurer SCOR UK Company Limited..The subscribing insurers’ obligations under contracts of insurance to which they subscribeare several and not joint and are limited solely to the extent of their individual subscriptions.The subscribing insurers are not responsible for the subscription of any co-subscribinginsurer who for any reason does not satisfy all or part of its obligations.We are members of the Financial Services Compensation Scheme (FSCS). You may beentitled to compensation from the scheme if we are unable to meet our liabilities under thisinsurance. This depends on the type of business and the circumstances of the claim. A claimis protected for 90%, without any upper limit. Further information about the compensationscheme arrangements is available from FSCS. Information can be obtained on request or byvisiting the FSCS website at www.fscs.org.uk.Allianz Assistance holds data in accordance with the current data protection regulations andlegislation.Allianz Assistance will use any personal information, including personal sensitiveinformation as defined in the data protection act 2018, for the purpose of dealing with yourclaim. It will also be used, if required, for the purpose of administering and underwritingyour policy, for giving advice and assistance, and to update Allianz Assistance records.For full information on how Allianz Assistance will process your data please visit:www.allianz-assistance.co.uk/privacy-policy-and-cookies/Your PerformancePolicy WordingTo see a copy of how ARAG collect, use, share and store personal information, please seevisit https://www.arag.co.uk/cookie-policy/In order to prevent and detect fraud we draw to your attention in accordance with DataProtection Legislation, the fact that we may at any time record and monitor telephone callsfor the purpose of detecting fraud & deception. We may also pass your details through anynumber of data sharing/fraud prevention agencies such as Hunter and CIFAS.Your Insurance cover details may be added to the Claims and Underwriting ExchangeRegister, run by the Insurance Database Services Ltd and the Insurance Anti-Fraud andTheft Register, run by the Association of British Insurers. It is a condition of your policythat you must tell us about any incident (such as accident or theft) whether or not it givesrise to a claim as soon as possible. We will pass information relating to it on to theseAgencies. If you or anyone acting on your behalf gives us false or inaccurate informationand we suspect fraud, all benefits under this policy will be void. The matter will be recordedwith the above Agencies and pursued in accordance with the law.We may share information about you with our associated and subsidiary companies. Otherorganisations may also use and search these records in their effort to combat fraud andundertake credit searches.The company wishes to make it clear that the vast majority of honest Policyholders suffer asa result of a few. Our aim is to provide the best possible service to the genuine customer.Through the use of these systems and certain interview techniques, we are able to addressfraud in such a manner that enables us to keep premiums competitive.