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|Bicycle insurance benefits are correct as of 1st July 2020.|
Review bicycle insurance in Ireland today for great value deals. A standard bicycle insurance policy should cover a bicycle (and bicycle owner) used for fun, commuting or sport against unfortunate incidents, such as theft, damage, breakdown and personal injury and so much more.
In Ireland, the cost of purchasing a bicycle can range from hundreds to thousands of euro, so it is comforting to know that these environmentally friendly, healthy and fun modes of transport can be insured for up to €6,000.
We cover all forms of bicycles, from tricycles to mountain bikes at home and abroad. Please note benefits, limits, terms and criteria may vary, we recommend that you read the insurance schedule and policy wording carefully. We have outlined some frequently asked questions below for you to review.
Are you searching for cheap bicycle Insurance in Ireland? As more and more people are using the humble bicycle to commute to and from work, it is now more important than ever to review the different types of cover available, particularly when it comes to personal injury. Some of the main benefits include theft, accidental damage and personal injury.
As bicycles become more advanced and expensive, they attract even greater attention from unsavoury characters, who can steal and resell a bike within 24 hours. Theft cover means the insurer will replace the bicycle due to theft, replace parts that have been taken or fix the damage done to the bike after a failed theft attempt.
An insurance policy will cover you for a damaged bicycle due to an accident. In the event your bike develops a mechanical fault not covered by your warranty, your plan should cover the cost of these repairs.
With more and more cars, articulated trucks, buses and the Luas on the road, it is vital to insure yourself against injury while out cycling. You will receive compensation for personal injury including loss of limbs, sight and total disablement in the event of an accident. If the collision results in your death, then your beneficiary will receive compensation. Compensation amounts for the above typically range from five to ten thousand euro. See the policy schedule for full details.
There are policies available that offer comprehensive cover for taking your bicycle abroad.
Most insurance packages cover new and not so new bicycles. However, bikes should be of a certain age. Typically up to a maximum of three years old. Once insured, your bicycle will stay covered for as long as you maintain your premiums.
As with most types of insurance, it is essential to keep receipts, photographs, frame and model numbers etc. You will need this to submit a claim.
As with most insurance packages, there will be an excess limit that you will have to pay towards the claim. The excess is generally €25 or the amount on your policy schedule equal to 5% of the insured value, whichever is the higher amount.
To ensure that your policy pays out in the instance of theft, you must safeguard your bicycle while out in public. You need to invest in a certified lock. Don’t forget to lock your bike to a permanent object.
As bicycles are prone to theft and accidental damage, there will be some coverage exclusions on your policy:
B. Where damage has resulted from:
C. Costs resulting from:
Bicycle insurance benefits, limits, criteria and definitions may vary from insurer to insurer, so it is essential to read the policy wording carefully. Thank you for visiting our bicycle insurance page, safe cycling!