Frequently Asked Questions
Find out more about getting cover with ONE PRO Insurance Solutions
Do you need insurance for a bike?
Whilst bike insurance isn't a legal requirement, it can offer protection for your bike + accessories and provide public liability cover (where available). And with a stand alone policy (not part of your home insurance) you're likely to be able to insure higher value bikes, so it may provide peace of mind for regular cyclists
How many bikes can I insure under one policy?
You can insure up to five bikes per policy. No single bike can be worth over £20,000 unless agreed with ONE PRO Insurance Solutions
Do I have to be a certain age to be eligible for bike + accessories insurance with ONE PRO Insurance Solutions?
We can only insure cyclists aged between 16 and 65.
How can I reach you?
Do you cover residents of the Republic of Ireland?
At present we can only cover UK residents (including residents of Northern Ireland, Isle of Man and the Channel Islands).
Do you insure professional cyclists?
Yes, ONE PRO Insurance Solutions is proud to insure professional cyclists.
How is ONE PRO Insurance affected by coronavirus?
Update 16 March 2020
While the scale and impact of the current coronavirus (Covid-19) outbreak remains unknown, ONE PRO Insurance, part of The Ardonagh Group, has been working for some time to prepare for all potential outcomes for our business and to support clients and customers through this sustained period of uncertainty. We have a range of plans in place to serve the needs of our clients without interruption, while protecting the health and safety of our colleagues and other stakeholders.
I have previously made a claim on cycle insurance - will this affect my premium?
It will not affect your premium, but you will need to make us aware if you have made any cycling claims or suffered any loss or damage, been subject to any liability proceedings for more than £5,000 in the last 12 months, or had more than two cycling related claims in the last three years.
How do I value my bike?
If your bike + accessories is less than three years old, you can refer to recommended retail price of the frame and components. If it's older, we recommend that you find out how much a similar bike of the same age would cost.
What is the difference between a cycling component and an accessory?
A component is an essential part of your bicycle (e.g. handlebars, saddle, peddles, power meters). An accessory is an additional part of your bike such as cycling computers and is something that can be removed.
Is my bike still covered if I lend, loan or hire it to another person?
No, our bike insurance will only cover theft or damage to the bike when it is being used by the person insured.
Can I make changes to my policy? E.g. I want to add another bike
Yes, you can make changes to your policy at any time, as long as you have not made a claim.
I'm going on a long cycling trip abroad - will I be covered?
Yes, cycle insurance from ONE PRO Insurance Solutions covers cycling trips abroad (with no limit on number of trips abroad).
If my bike is stolen while it's locked up, will I be covered?
If your bike is secured using an approved locking device (in accordance with your bike's value), tested and approved to testing standards:
Bicycles up to £750 – Any specifically designed cycle lock
Bicycles from £751 to £1,500 – A sold secure bronze graded lock or above
Bicycles from £1,501 to £3,000 – A sold secure silver graded lock or above
Bicycles over £3,000 – A sold secure gold graded lock or above
Or any other specified lock accepted by us and specified in a written agreement.
I have rescue cover - how can I make contact for recovery assistance?
If you have rescue cover and need recovery assistance, please contact Call Assist's 24-hour Control Centre on 01206 812764
Please have the following information ready:
- Your contact number
- Your policy number
- The precise location of your cycle (or as accurate as you can be)
If you are deaf, hard of hearing or speech impaired, please send a text message containing: your full name, policy number, and policy postcode to 07537 404890.