BICYCLE COVER
Protect your bikes, at home and away
Our bicycle cover protects your family’s bikes against loss, damage or theft. Bikes worth over £1,200 need to be specified on your policy.
This is an optional extension to our home insurance policies, and the benefits include:
Bikes covered up to £5,000 per bike and up to a total of £15,000
Bikes covered on holiday anywhere in the world (see policy documents for exclusions)
Add cover at any time, so if your requirements change during your policy you can amend your cover
What counts as a bicycle?
For this home insurance optional extension, any cycle powered by human pedalling that isn’t subject to the requirements of the Road Traffic Act is covered. We include:
Pedal bikes (such as hybrids, mountain bikes and road bikes)
Electrically assisted pedal bikes (please refer to legal definition)
Tricycles
Tandems
Trailer cycles
Hand pedal cycles
Push scooters
We don’t cover any motorised vehicle, moped or electrically or battery propelled scooter.
Covered at home and abroad
Your bike is covered both at home and abroad with this extension to our Bronze, Silver or Gold home insurance. We simply require you to secure your bike as you would when you're at home - so don’t leave it unattended and secure it safely when you’re not using it.
What is covered?
Household bikes for accidental damage, loss and theft
Individual bikes worth up to £5,000, and multiple bikes worth up to £15,000 (individual bikes worth over £1,200 will need to be specified)
Whether you need bicycle cover can depend on the value of your family’s bikes.
What isn’t covered?
Battery propelled scooters, ePeds, iPeds or similar
Bikes in the possession of family members who are living at university (but these can be covered with our student cover)
Also, you’re only covered for loss or theft if:
You secure your bike safely using the locks specified below
It’s not left in your home while it’s unoccupied
It’s not left unattended in a public place, unless it is locked to an object that can't be moved
Securing your bike
When you add bicycle cover to your John Lewis home insurance Bronze, Silver or Gold policy, you must appropriately secure the bicycle to qualify for cover.
We have listed the locks you need to use according to the value of your bike:
Bicycle value | Must be secured with |
|---|---|
Up to £1,200 | A bicycle, motor scooter or motorcycle lock (D-lock or similar). |
£1,200 - £2,000 | A Bronze, Silver, or Gold rated Sold Secure lock or a Thatcham-approved motorcycle lock. |
Over £2,000 | Gold rated Sold Secure lock or a Thatcham-approved motorcycle lock. |
It’s also a good idea to write down your bike frame’s serial number and take a photograph of the bike when you lock it up anywhere. If your bike is stolen, try to alert the police within 24 hours.
Bronze / Silver / Gold insurance cover
John Lewis Money Home Insurance is a trading name of John Lewis Finance Limited. Registered in England and Wales company number 15785347. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. John Lewis Finance Limited is authorised and regulated by the Financial Conduct Authority for insurance distribution and credit broking (Firm Reference Number: 1018169).
Pay monthly option for your home insurance is under a contract with Premium Credit Limited (a company registered in England and Wales with company number 02015200 whose registered office is at Ermyn House, Ermyn Way, Leatherhead, KT22 8UX). John Lewis Finance Limited acts as a credit broker when introducing you to Premium Credit Limited, not a lender. Premium Credit Limited will pay John Lewis Finance Limited a commission if your credit application is successful.
Home Emergency and Home Legal Expenses cover is underwritten by ARAG Legal Expenses Insurance Company Limited a company registered in England and Wales (company number: 103274) (FCA number 202106) having its registered office at Unit 4a Greenway Court, Bedwas, Caerphilly, Wales, CF83 8DW.
John Lewis plc is an appointed representative for John Lewis Finance Limited for insurance distribution and credit broking and registered with the Financial Conduct Authority (Firm Reference Number: 416011). Registered in England and Wales company number 233462. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ.
Covéa Insurance plc – our Specialist Home Insurance cover
John Lewis plc is an appointed representative (firm reference number: 416011) of Covéa Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 202277).
John Lewis Specialist Home Insurance is underwritten by Covéa Insurance plc. Registered Office: A & B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales. Company Number 613259.