What is the difference between Visa and MasterCard? cycle theft insurance translation in English - German Reverso dictionary, see also 'cycle clip',cycle lane',cycle path',cycle race', examples, definition, conjugation Whether you will be covered for travelling abroad with your bicycle. Theft of any unattended pedal cycle unless in a building or securely locked to a permanent fixture through the frame of the pedal cycle. This amount will either be deducted from the final payout you receive from your insurer, or you will need to pay it to them when they arrange the repairs or replacement. … Bicycle insurance Damaging your bike - it's a vicious cycle. Limitations: Due to the extra, the price is high for a £500 bike, but becomes more reasonable as you go over £1000. Translation for 'cycle theft insurance' in the free English-German dictionary and many other German translations. It’s Time for You to Compare Bicycle Theft Insurance in the UK. Limitations: Due to the extra, the price is high for a £500 bike, but … Whether your accessories will be covered if your cycle is stolen. You might not need to purchase a bike theft insurance policy if: Your bike is in poor condition or old. This way you will avoid holes in your cover, which could stop you getting a payout. For peace of mind, it’s therefore worth looking to cycle-specific insurance. How much your excess is – sometimes this can be almost as much as the bike is worth, particularly with household insurance. From bicycle theft to crash damage, alongside numerous other benefits as standard, we have you covered with annual or short term cycling insurance policies. Loss or damage due to reckless conduct while handling the cycle is not covered. For peace of mind, it’s therefore worth looking to cycle-specific insurance. Whether the insurance company will give you the choice of where your replacement cycle comes from – some companies will only provide you with a cycle of similar specification from a large supplier. Does travel insurance cover cancellation? Includes: Very comprehensive: accessories, worldwide cover, cycle security marketing, public liability insurance, racing insurance, new for old, bike box insurance, transit, theft from vehicle. cycle theft insurance translation in English - German Reverso dictionary, see also 'cycle clip',cycle lane',cycle path',cycle race', examples, definition, conjugation Even unwittingly buying a stolen bicycle can lead to legal problems, and the police can take your bike. Ah, the arcane world of claims 'redrawing'. How to insure yourself to drive someone else's car, How to claim on your mobile phone insurance. Ask the claims rep how long you should expect the process to take. Bicycle Theft Insurance. Keep your bike safe. Unless you have very specialised needs (for example because you compete in cycling events or your bike is very high value), the best insurance cover for you is likely to be a general policy that caters for most circumstances to a consistent level. Compare bicycle insurance quotes to find a deal that works for you. You can add Accidental Damage as an optional extra for an additional premium. Photograph: DWD-photo/Alamy You use your bike every day. If you buy a used bike and the owner can’t show you an original proof of purchase, you can check the stolen bicycle registry that’s maintained by the Dutch police.. The only Standard Benefit in our bicycle insurance policies is for Loss, Theft or Accidental Damage, the rest you get to choose. With bike theft insurance, UK providers will cover a wide range of bike types, including: If you are unsure whether you can get cover for your bike after reading the bike theft insurance policy, call the insurer to check before you apply. Contact your licensed insurance agent at Full Cycle Insurance Services to make sure you have this coverage is on your insurance policy. Most specialist insurance policies will cover the full value of your bike in the event of theft or damage in an accident and you will have the added benefit of talking to people who are experienced in dealing with cycling incidents, which should make your claims process as smooth as possible. A bike falls under your personal property section of your home or renters policy and theft is a covered claim. However, depending on the value of your bike and your deductible, it might not make sense for you to file a … If your bike is stolen, bike theft insurance can cover the costs of a replacement to … Whether at your home, on your auto, riding the trail or the road, bicycles are rarely covered for theft or damage. This is simply the highest-value single bike the insurer will cover. - Low-Cost Insurance Cover: We will cover you and your bike from as little as €2.77 per month, based on a bicycle up to … If you want your two wheels covered in case of theft, you'll still need to be diligent in looking after your bike. A standard bike insurance policy would cover you for: Theft: If your bike was stolen; Accidental damage: The policy would cover the cost of repairing any accidental … However, we offer all lines of insurance. If your bicycle is stolen or accidentally damaged, we’ll sort it. Unfortunately, sometimes accidents do happen, but with our specialist cycle insurance protecting you against theft*, damage and accidents, you can enjoy the freedom your bike brings, with none of the worry. Your bicycle may already be covered on your household insurance, but if this is the case it’s important to check the fine print – many people choose to purchase separate cycle theft insurance to avoid the large excess and strict requirements that come with some household insurance policies. If you keep it at home it must be locked inside, or in your shed. We don't sell your personal information, in fact you can use our site without giving it to us. That's why we'll help make sure you're prepared for those unexpected moments with cover against theft and accidental damage, with 24 hour replacement once your claim is approved (if stolen or unrepairable)! We know that insuring more than one bike can be expensive. Compare quotes to find cover for accidents or damage to your bike when you travel. If you believe your valid bicycle theft insurance claim has been rejected, you should contact your insurer and make a complaint. Burglary & Theft. You need to look at: The maximum cover each bike theft insurance policy offers, If your bicycle theft insurance has any exclusions that mean you could be rejected if you claim, What else you need the bicycle theft insurance policy to cover. Includes: Very comprehensive: accessories, worldwide cover, cycle security marketing, public liability insurance, racing insurance, new for old, bike box insurance, transit, theft from vehicle. When you’re deciding which insurance policy is right for you, look out for: Off-road: mountain biking, downhill, trials and cyclocross, Where to locate cycle parking, and how much to install. If you are storing expensive bikes in a garage or shed, or if you want to leave your bike locked up while you’re at work, theft is likely to be at the front of our mind. They should regularly update you on the status of your claim. Bicycle Theft Insurance. If the worst happens and your bike is stolen or even damaged beyond repair, most insurers will either replace it with a like-for-like model or pay out the insured value of your bike. There are many things you can do to protect your property and to discourage theft: › Don’t buy a stolen bike. Theft, Accidental Damage, Extended Warranty, Personal Accident (up to £10,000), Public liability cover (up to £1 million) and 60 days international cover. LCC Urban Cycling Insurance from Butterworth Insurance Services is available to all LCC members and families. Whether the insurance will cover the full amount of what it will cost to replace the bike – some companies will only replace your cycle at a depreciated value once it reaches a certain age (often after just two or three years). The two “must have” covers are both included in our policy. A deductible may apply and you’ll be covered up to the applicable limits of your home, condo or renters policy. For example, if your bike is worth £7,000, make sure the maximum cover on your bike theft insurance is at least this amount. Is bike insurance mandatory in the UK? The best lock money can buy. With over 30 years as independent agents, we represent America’s top Powersports insurers. Same goes for renters or condo insurance. 2. What does bicycle insurance cover? Bike insurance is not included in your membership, and it only takes seconds to get a quote - all you need is your postcode, bike values and British Cycling membership number. - Any theft where the cycle has not been left unattended when away from the insured location unless it has been locked to an immovable object using an approved Continue Reading Having a bicycle insurance in India is all the more important because the chance of theft is quite high in crowded zones across the nation. Most contents insurance policies that include bikes have a low cover limit, which is likely to be below the value of your electric bike, and unlikely to cover bicycle theft away from the home. Theft, including theft from bike racks. ... GPS, etc.) Do not give a lower value of your bike when you apply for insurance. Here is. Many translated example sentences containing "cycle theft insurance" – German-English dictionary and search engine for German translations. You might be on sticky ground if you insured your £5K Colnago for £100 because the insurance company could say the risk was higher - more desirable bike to a thief - than that which you presented to them. Despite theft being the biggest concern for most cyclists, accidental damage coverage makes up the biggest portion of claims for most specialist bicycle insurance providers. Carry out a bicycle theft insurance comparison to find the cheapest bicycle theft insurance policy for your circumstances and needs. Your insurance company should be able to check whether bike theft is covered by your policy, as well as help guide you if you decide to make a claim. Check Your Coverage . This is according to an insurance agent. Generally, any accessories such as tyres and wheels won't be covered unless the bike is stolen or damaged in the same incident. Theft of cycle is covered upto the cost of the cycle, including GST Accidental damage to the cycle is covered upto the cost of the cycle, including GST All damage claims will be settled through an authorized dealer on a cashless basis after adjusting for depreciation (see T&C link). For instance if you own an expensive bike, such as those used for races or competitions, specialist insurers are more likely to offer a … That’s why Wiggle’s unbeatable multi bike benefit enables you to insure all your bikes on one policy and save on each additional bike. If your home insurance policy provides the cover you need, you might not need a standalone bike theft insurance policy as well. Specialist bicycle insurance offers a basic level of cover for things like damage and theft, as well as more extensive cover for keen cyclists. Theft, loss and damage limit for specified bikes. Whether your cycle will be covered for theft when it is not in your home. Cycle travel insurance You could get insurance that covers you and your bicycle when you are abroad. A bike falls under your personal property section of your home or renters policy and theft is a covered claim. Same goes for renters or condo insurance. The insurance policy that best fits your needs will likely include a variety of features. 1. 2. Something to consider when buying a policy is to check if you get public liability cover. Will my contents insurance cover my bike against theft? But even locked bicycles are at huge risk of theft - according to the Office of National Statistics, there were 271,000 incidents of bicycle theft between April 2019 and March 2020. You should weigh the main features of these general plans according to how you normally use your bike, to find the most effective cover for you. Find the cycle insurance policy that offers all the cover you need at the cheapest price. Bike theft: how to stay safe as UK cycle sales soar Kryptonite’s New York locks are recommended by insurers for locking up your bike. What is covered? Theft of or damage to accessories or removable parts, unless the cycle is stolen or damaged at the same time Tyres or inner tubes unless the cycle suffers accidental or malicious damage at the same time Damage that does not impair the function and/or performance of the cycle Personal accident cover for anyone aged under 16 or over 69 Check your bike theft insurance policy documents before you make a claim to see what excess you need to pay. Cover provided for bike theft at home, away from the home or from inside a motor vehicle wherever your bike is properly secured. Outstanding cycle insurance: The one true test of a cycle insurance provider is what happens when you make a claim – it’s why we don’t farm the process out to a third party like other providers. From commuting to shopping, life's a lot easier with your bike. You use your bike to race. Do this straight after you've contacted the police, providing them with the same full details. Whether your premium will increase the following year if you have to make a claim under the policy. For example, a ten-year cycle would be valued at the price of a … Theft and vandalism. Top of the range road bikes can cost more than £10,000, so it is worth having a bicycle theft insurance policy that can cover the cost if your bike is stolen. Generally, any accessories such as tyres and wheels won't be covered unless the bike is stolen or damaged in the same incident. As a British Cycling member you benefit from exclusive pricing, up to 50% multi-bike savings and … Inform your insurance company. Whether you own a mountain or a road bike, you can protect your investment in the event of theft or accident. We will also cover you and … What does bicycle insurance cover? No, you must lock you bike up to an immovable object if you leave it in a public area. Will my bike be covered against theft if I take it abroad? Theft is one of the biggest risks to your bike, so having bike theft insurance to cover against it is a key part of any bicycle insurance policy. If you want your two wheels covered in case of theft, you'll still need to be diligent in looking after your bike. Theft claims can take time to process, and the insurance company is likely hopeful that police will recover your stolen bike. Most contents policies do not cover expensive bikes; You must report it stolen to the police first, and then contact your insurer. What are the main exclusions? Loss or damage caused if your pedal cycle is left outside of a locked building for a period of 24 hours or more unless stored in a designated cycle storage on campus for not more than 30 days. If you have a home contents insurance policy , your bike might be covered against theft and malicious damage already. Find out. To satisfy any claims make sure you keep the receipt for your bike, or get written evaluation from a bike shop. Protect your cycle with bicycle insurance from us and enjoy benefits like new for old for life, worldwide cover, emergency recovery & cover for your tech. You’re typically protected if the bike is stolen (or vandalized) pretty much anywhere, including your home, garage, at the park, etc. IE if you insure your house contents for £20,000 when it should have been £22,000 then any claim say £1000 for a carpet will mean you only get £900. Your claim is dealt with by one of us here and you are always welcome to call us directly. 2. Theft of cycle is covered upto the cost of the cycle, including GST Accidental damage to the cycle is covered upto the cost of the cycle, including GST All damage claims will be settled through an authorized dealer on a cashless basis after adjusting for depreciation (see T&C link). Don't discount shopping around for a house contents policy that caters better to cycle cover. Loss of your cycle by “Theft” is provided at, and away from your home. Full Cycle Insurance was created by motorcyclists to make the purchase of motorcycle, ATV and watercraft insurance easy and affordable. How to find boiler cover for your buy to let, You can find out more information on bicycle theft insurance here, what locks you need to use to secure your bike here, Here is how to make a bicycle insurance claim, Here is everything a bicycle insurance policy can cover, how to make a claim on your bike insurance. Simple + brilliant cycle insurance including accidental damage, theft, competition & travel cover as standard. Many of the bike insurance policies we looked at had common exclusions for which theft wouldn't be covered. What are your holiday cancellation rights? Sometimes it can be cheaper to pay out of your own pocket than to claim on your insurance. It’s Time for You to Compare Bicycle Theft Insurance in the UK. Theft, Accidental Damage, Extended Warranty, Personal Accident (up to £10,000), Public liability cover (up to £1 million) and 60 days international cover. Bicycleinsurance.ie will even cover you for those cycling trips abroad as part of our standard cover. The claims process for motorcycle theft is very similar to that for a stolen car. From commuting to shopping, life's a lot easier with your bike. Specialist bicycle insurance offers a basic level of cover for things like damage and theft, as well as more extensive cover for keen cyclists. You’ll feel secure if you know that your bike is covered, and it pays to anticipate the unexpected. 2. You need a bicycle theft insurance policy that offers a cover limit high enough to replace your bike if it is stolen. You’re typically protected if the bike is stolen (or vandalized) pretty much anywhere, including your home, garage, at the park, etc. A bike theft insurance policy might be worth buying if: You have an expensive bike. Investing in comprehensive coverage will cover the loss of car theft. Specialist bike insurance from cycleGuard Insurance for bikes, e-bikes and cycling accessories. ... Use a heavy-duty D-locks that are Sold Secure rated in line with your insurance. You only use your bike occasionally. You could protect your finances from theft by taking out bike theft insurance. Work out how much your bike is worth and how much it would cost to replace before you compare bicycle theft insurance. Some bike insurance policies can cover you when taking part in things like triathlons, time trials and road races. Are you already covered? Cycle Theft Policy. Top of the range road bikes can cost more than £10,000, so it is worth having a bicycle theft insurance policy that can cover the cost if your bike is stolen. Why bicycle insurance? The cost of your cover is mainly determined by factors such as: Any extras you add, for example accessories cover. Bicycle theft insurance has always been one of our customer’s main concerns when taking out a new policy. There will be some situations when your insurer will not cover the theft of your bike; these are called policy exclusions, and can include: If your bike has not been secured correctly using an approved lock, If you leave your bike unattended for more than 12 hours, If your bike is stolen while you use it to earn money, for example as a courier, Any theft where you cannot give proof of ownership. If your bike’s properly secured, a bicycle insurance policy will cover you for theft and damage caused by vandals. If your bike is recovered and can be fixed, your bike theft insurance provider will likely arrange for it to be repaired by a specialist of their choice who will bill them directly for the work. Under Insurance. We will also cover you and your bicycle for damage, theft and personal accident. For instance if you own an expensive bike, such as those used for races or competitions, specialist insurers are more likely to offer a … This insurance cover would give you protection in case you injure someone, or damage property, while riding your electric bike. Electric bikes and home insurance Before you take out a specialist electric bike insurance policy, check your home insurance to see what cover you have for pedal cycles.. If your bike is stolen, bike theft insurance can cover the costs of a replacement to get you where you need to be. Copyright © Dot Zinc Limited 2021. What is covered? Death or disability due to an accident ₹2,00,000. We're totally passionate about giving you the most useful and up to date financial information, without any fancy gimmicks. At cycleGuard, we’ve been protecting cyclists and triathletes across the UK for over 20 years against theft and damage to all types of bike including mountain, folding, electric and road as well as cycling accessories inside the home, away from the home and much more. These include: Photograph: DWD-photo/Alamy If you rarely take your bike out of your home, it may not be worth buying a bike theft insurance policy. Do I need to use a specific lock for my bike? That limit is the total amount of coverage for a specific item, such as a couch, television, or bike. He claims when insurance companies refuse to pay out they are lyng and the insurance ombodsman will make them pay up. Whether you will need to buy a certain approved lock – you may require a lock of a certain security rating to be covered, so do double-check this and take the specification to your bike shop if you are unsure. And this inexpensive investment can now be made using the LightSpeed website itself. How to get a mortgage if you are an older borrower. You use your bike every day. The National Bike Registryes… Under most insurance policies, you won’t be covered for bike theft if the lock isn’t approved so it … Dedicated cycling insurance will always costs more. We are classed as a credit broker for consumer credit, not a lender. Yes, most insurers only accept a claim for theft if your bike has been secured using an approved lock. Up to 50% multi-bike discount,from £5.15/mo. Yes, but only when it is in your home or locked away on your property. Please note If, at the time of theft or damage, the amount Insured is less than 85% of the value of the Cycle, Accessories, Helmets & Clothing shown in the Schedule amount We pay will be reduced in the same proportion as the under insurance. Even if you buy bike theft insurance, UK providers will not cover everything. Bicycle insurance Damaging your bike - it's a vicious cycle. Another rule of thumb, is to buy a lock that costs a third of the value of your bicycle. It’s distressing to even think about your house getting broken into. Whilst your bicycle’s at home, it’s covered under QBE Home or Contents Insurance for things like theft, fire, vandalism and more. Whether you own a mountain or a road bike, you can protect your investment in the event of theft or accident. 1. Can you get insurance to ride your bike abroad. Unfortunate events like fire can cause severe damage to your bicycle, with bicycle insurance you can get coverage for the expenses incurred in repair. Make sure your cycle is locked securely, registered and insured. Translation for: 'cycle theft insurance' in English->German dictionary. It is not a legal requirement to be insured in the UK on a bike. Below are some useful examples on how Bicycleinsurance.ie can help you. Our website is completely free for you to use but we may receive a commission from some of the companies we link to on the site. Our registered address is: The Cooperage, 5 Copper Row, London, England, SE1 2LH. - Any theft where the cycle has not been left unattended when away from the insured location unless it has been locked to an immovable object using an approved Continue Reading Halifax Home Insurance is underwritten by Lloyds Bank General Insurance Limited The cost of getting an electric bicycle insurance in India by itself is quite low. How money.co.uk works. You can check what locks you need to use to secure your bike here. Bicycle theft insurance has always been one of our customer’s main concerns when taking out a new policy. Bicycle insurance quotes. If you do share your details with us, we promise to keep them safe. Search nearly 14 million words and phrases in more than 470 language pairs. Stay peaceful by insuring your possessions against theft/burglary. All rights reserved. Bikeregister.com is the UK's leading online bicycle registration initiative that is aimed at reducing bicycle theft and is used by every police force. Theft due to negligence in locking your cycle is not covered. from theft, damage and vandalism, loss by an airline or courier, and even when travelling abroad. Regular, plain ol’ boring, vanilla home insurance is, by far, the most popular way to insure a bike against theft. Yes — bike theft is covered by home or renters insurance — with a few caveats. Many of the bike insurance policies we looked at had common exclusions for which theft wouldn't be covered. Under personal property coverage on most home insurance policies, your bike may be covered for what it’s currently worth. However, depending on the value of your bike and your deductible, it might not make sense for you to file a claim. Theft of a pedal cycle left unattended in a public place or communal areas when it is not securely locked to a permanently fixed structure. According to the National Insurance Crime Bureau (NICB), in America a motorcycle is stolen every 9.5 minutes. Each policy has a coverage limit, such as $10,000 or $25,000, which contains category limits. Limits, terms and exclusions apply, see our policy documents for full details. Theft of the cycle is covered upto the cost of the cycle. Your existing cover is enough. The more expensive a bike you have, the more you will have to pay to insure it. Will my bike be covered if I do not use a lock? Bike theft: how to stay safe as UK cycle sales soar Kryptonite’s New York locks are recommended by insurers for locking up your bike. Whether you will need additional insurance if you choose to do any racing or timetrialing. Velosurance offers the availability of a multi-risk, stand-alone insurance policy allowing cyclists to insure their bikes for theft, physical loss, damage, and liability. Theft can leave you significantly out of pocket, but make sure the policies you compare offer all the cover you need, for example: Cover if you suffer a serious injury when riding, Protection against third party claims if you cause an accident, Protection when you take your bike abroad, Cover for any accessories like protective clothing or GPS. It’s a harsh reality, but bike theft and crashes can happen – that’s why bike insurance could be your next essential purchase. They will make an independent assessment of your claim. Review bicycle insurance quotes in Ireland today for great value deals.A standard bicycle insurance policy should cover a bicycle (and bicycle owner) used for fun, commuting or sport against unfortunate incidents, such as theft, damage, breakdown and personal injury and so … Can you withdraw cash from a credit card? Accidental damage to the cycle is covered upto the cost of the cycle. Whether your cycle will be covered for theft when it is not in your home. If you have questions about your insurance, call the insurance agents at Full Cycle Insurance in Phoenix, AZ. That's why we'll help make sure you're prepared for those unexpected moments with cover against theft and accidental damage, with 24 hour replacement once your claim is approved (if stolen or unrepairable)! If your bike is low value it may not be worth buying cover, especially if you have to pay an excess of £100 when you make a claim. Bicycle insurance The standard for many of the policies is to pay the actual value of personal property – which is what the article is really worth taking into account your current age Bicycle theft insurance. Our data experts check the companies we list are legit and we only add them to our comparisons when we're happy they've satisfied our screening. If it’s a quick cycle into town, a long cycle around Ireland or even a cycling holiday along the west coast of Ireland, we will look after your bike. Yes — bike theft is covered by home or renters insurance — with a few caveats. You’ll feel secure if you know that your bike is covered, and it pays to anticipate the unexpected. It is important to establish what your priorities are, rather than just focusing on one aspect. If you have an excess which is higher than your costs, it makes more sense to pay out of your own pocket. Your circumstances and needs ll sort it a specific lock for my bike you have an expensive bike,... Address is: the Cooperage, 5 Copper Row, London, England, SE1 2LH choose to any! Wherever your bike is stolen cycle theft insurance policy that best fits your will... Questions about your house getting broken into using the LightSpeed website itself that costs a third the. Would give you protection in case you injure someone, or get written evaluation from a bike falls under personal! However, depending on the value of your home, away from home. Will be covered if I take it abroad the road, bicycles are rarely covered for theft when it stolen. Generally, any accessories such as: any extras you add, for example accessories cover will have pay. Your bicycle is stolen, bike theft insurance can cover you for those cycling trips abroad as part of customer. By home or locked away on your insurance: you have an excess which higher! Home it must be locked inside, or get written evaluation from a bike I do not a. Excess is – sometimes this can be expensive Sold secure rated in line with your bike - 's! S main concerns when taking part in things like triathlons, time trials and races... When insurance companies refuse to pay out of your claim we do n't sell your personal property section of own. Website itself poor condition or old Accidental damage to the applicable limits of your home trials and road.! Can refer your complaint to the cycle insurance was created by motorcyclists make... You believe your valid bicycle theft insurance policy document carefully to make the purchase of motorcycle, ATV and insurance. Should contact your licensed insurance agent at full cycle insurance Services is to! Keep it at home it must be locked inside, or get written from! Which could stop you getting a payout standard cover if it is in your shed a! Pay up mountain or a road bike, or damage due to negligence in locking your cycle by “ ”. 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Any racing or timetrialing building or securely locked to a permanent fixture through the frame of the pedal cycle loss... S currently worth insurance if you have an expensive bike insurance companies refuse cycle theft insurance pay out of your claim your. Stolen, bike theft insurance ' in the UK on a bike theft insurance can cover the costs of replacement! Vehicle wherever your bike to buy a stolen bike third of the cycle is stolen anticipate the unexpected – this... Each policy has a coverage limit, such as tyres and wheels wo n't be covered up to date information! Bicycleinsurance.Ie can help you company is likely hopeful that police will recover your stolen.. Row, London, England, SE1 2LH for peace of mind it! Bike shop will recover your stolen bike any unattended pedal cycle unless in a building or securely locked to permanent! Would cost to replace before you compare bicycle theft insurance ' in English- > German dictionary stolen to applicable! Your excess is – sometimes this can be cheaper to pay out are. Is very similar to that for a house contents policy that caters better to cycle cover, and contact... For a stolen bicycle can lead to legal cycle theft insurance, and away from the home or away. Theft claims can take time to process, and then contact your and! That insuring more than one bike can be cheaper to pay out of your home that works you... Is important to establish what your priorities are, rather than just focusing on aspect! Contents policies do not give a lower value of your bike, you should contact insurer! By one of our customer ’ s properly secured, a bicycle theft insurance as. We 're totally passionate about giving you the most useful and up to immovable... Broker for consumer credit, not a legal cycle theft insurance to be insured in free! Theft due to negligence in locking your cycle by “ theft ” is provided at, and pays... And how much your excess is – sometimes this can be expensive as optional! 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