Your bike is covered day and night both indoors and outdoors as long as it is secured to a fixed point with an approved lock (see list of exclusions).
Accidental or Malicious Damage
We pay for repairs to your bike when material damage has been caused by an accident, vandalism, flood, or fire and other external events. An excess of £35 applies.
Emergency expense
You have an accident and are blocked in the middle of nowhere ?
We know it can be annoying. That's why we’ll cover up to £ 200 to pay for a taxi or train to complete your journey.
After a theft or an accident you can rent a replacement bike during the period where you are left stranded and we’ll pay for you.
Find below the list of exclusions. If you would like more details or clarification, please do not hesitate to contact us, we will be happy to answer you.
The bike must be locked with an approved lock - either ABUS (security 10 or higher), ART (category 2 or higher), FUB (2 wheels or higher), or Sold Secure Silver (or Gold) - and must have been attached to a fixed point during its theft.
Wheels, tires or the electric battery are not covered if they were stolen separately from the bike.
Aesthetic damage (scratches, dents, ...) is not covered.
Damage resulting from participation in a bike race is not covered.
See the complete list of exclusions in our General Terms & Conditions.
In order to be eligible for compensation in the event of an incident, you must comply with a few rules listed below. If you would like more details or clarification, please do not hesitate to contact us, we will be happy to answer you.
For a second-hand bike, you must :
Send us 5 photos (front, rear, left side, right side, serial number) of the insured bike within 14 days of taking out your insurance policy ;
Provide us with the serial number;
If you fail to do so, we will cancel your insurance contract and refund the insurance premium paid;
For a new bike purchased more than 30 days ago, you must:
Send us 5 photos (front, rear, left side, right side, serial number) of the insured bike within 14 days of the start date of your insurance policy ;
Provide us with the serial number within 14 days of the start date of your insurance contract;
If You do not do so, we will cancel your insurance contract and refund the insurance premium paid;
For a new bike purchased less than 30 days ago, you must:
Provide us with the serial number within 14 days of the start date of your insurance contract;
If you fail to do so, we will cancel your insurance contract and refund the insurance premium paid;
Your bike has been stolen?
You must report the incident to the police within 24 hours and report the claim online (this takes less than 5 min).
Is your bike damaged?
You must report the claim online within 8 days of discovering the damage.
Whether your bike is stolen or damaged, our experts will process your claim as soon as possible in order to calculate the compensation you are entitled to receive. You can relax, it will be quick.
Here are the policy documents that you can view and download.
Always read the general terms and conditions carefully, in order to know precisely the conditions to be respected, the proposed guarantees as well as the exclusions.
If you still have any questions, or if you need clarification, please do not hesitate to call us at 0800 048 8899 or contact us by email : contact@qover.com. Our staff is always ready to answer any questions or concerns you may have.
You can take out your annual insurance policy today with a start date up to 6 months later and therefore plan to start your "Qover" policy the day after the expiry date of your current policy.
In any case, don't forget to notify your insurer of your wish to cancel your contract respecting the delay indicated in your Terms & Conditions.
You can cancel your insurance if a renewal of your insurance is offered. You must notify Qover no later than 10 days before the start date of your new policy.
After a claim, you have 15 days from the date of payment or refusal of compensation to terminate the contract.
You may cancel the contract within 14 days of receiving the policy schedule and the general terms and conditions without giving any reason.
Our team is there for you Monday to Friday from 9am to 4pm. Do not hesitate to contact us!
If you still have any questions, or if you need clarification, please do not hesitate to call us at 0800 048 8899 or contact us by email : hello@qoverme.com. Our staff is always ready to answer any questions or concerns you may have.
Got a specific question? We’re happy to help.