Understanding which type of claim you need to make
What counts as vandalism?
Vandalism is when someone deliberately damages your bike or accessories. This includes:
- Scratching, breaking, or intentionally damaging your bike
- Damage caused during an attempted theft, even if the bike wasn’t stolen
- Any other malicious damage to your bike or accessories
Important: If it’s vandalism, you must report it to the police and obtain a crime reference number before we can process your claim.
What counts as accidental damage?
Accidental damage is when your bike gets damaged by accident. This includes:
- Crashing your bike while riding
- Dropping your bike and causing damage
- Someone you allowed to ride your bike having an accident
- Any other accident that causes damage
If it's accidental damage, you don't need a police crime number. Just tell us what happened.
Still not sure which one applies?
Here's an easy way to think about it:
- Did someone damage your bike on purpose? That's vandalism - get a police crime reference number
- Was it an accident while riding or using the bike? That's accidental damage - no police report needed
What you need for both types of claim
Whether it's vandalism or accidental damage, you'll always need:
- A damage assessment from a qualified mechanic
- Photographic or other evidence of the damage for all items included in the claim
- Proof of ownership for all items being claimed (receipts, invoices, or photos are acceptable)
This information helps us calculate how much we can pay you for any repairs.