Your British Cycling bike insurance policy includes cover for your cycle-specific clothing and accessories as standard, and the value of cover you have is dependant on your insured values.
For details of your exact levels of cover, please refer to your policy schedule within your Bikmo account, where they are clearly listed.
The following definitions are referred to throughout your policy documentation in relation to the types of equipment that are covered, and can be claimed for in the event of damage or loss, which occurs away from your home resulting directly from the use of your cycle.
Accessories are defined as equipment attached to your cycle, which is your own property and that is not core to the operation of a bicycle, but perform a functional requirement in the pursuit of cycling. Accessories may be permanently or non-permanently affixed to the bicycle, and include the following;
- Cycle Computers
- GPS and accessories (Please note: this does not include any smartphone or tablets devices used with navigation or tracking applications)
- Heart Rate Monitors
- Saddle bags
- Pannier racks
- Handlebar bags
- Frame bags
- Bells & horns
- Child seats
- Child trailers
- Bottle Cages
- Tools - multi tools / allen keys
- Equipment pouches
Clothing & Headgear
- Cycling Shorts - bib, lycra, baggy
- Tights - bib or non bib
- Wetsuits / Tri Suits
- Cycling trousers
- Jerseys - short or long sleeved
- Cycling shoes - clipped in or flat
- Arm, leg and knee warmers
- Jackets - softshell / waterproof / other
- Cycling caps
- Gloves - short finger or long finger
- Knee & elbow pads
- Goggles & Sunglasses
- Neck braces
- Hydration packs
A cycle/bike box includes any piece of luggage who's purpose is to specifically protect a bicycle whilst in transit. This can include fabric, semi rigid or fully rigid bike boxes.