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Cycle Insurance

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  • Perfect to add to your Cycle to Work Scheme...
    Cycle Insurance

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Cycle Insurance Employee Benefit

Yellow Jersey is a leading cycle insurance specialist responsible for providing comprehensive cover for thousands of cyclists each year. Anyone who obtains a bike through a cycle to work scheme essentially commits to a loan which they pay off in instalments – even if the bike is stolen or damaged. We are able to offer an exclusively negotiated discount to all Gemelli clients and their employees including Gemelli Cycle to Work customers. Register now for a 10% discount. (Visit Yellow Jersey for more information and a quotation...then register with Gemelli for your exclusive 10% discount.)

Get a QuoteRegister for 10% DiscountScheme Summary


Cycle Insurance Employee Benefit


Benefits to Employer

  • A simple and effective scheme to introduce to your staff
  • No administration as we deal directly with your employees
  • Demonstrates a commitment to your staff
  • Compliments your Cycle to Work Scheme
  • Encourages greener commuting and healthier lifestyles

Benefits to Employee

  • Theft and accidental damage cover up to £15,000 per bike
  • Public liability cover
  • UK, EU or Worldwide cover
  • Three tiers of cover to cover commuting up to racing
  • 60% multi-bike discount
  • Family cover available
  • 25% renewal discount
  • Free DNA+ marking kit plus other benefits
  • Roadside recovery
  • Physio and dental cover

What our clients say...


FAQ's...and Answers

Here are some of the most frequently asked questions. For more information, please visit the Yellow Jersey site:https://www.yellowjersey.co.uk/info-zone/        `

Who are Yellow Jersey?
Yellow Jersey was born out of an established family-run insurance brokerage firm called The Plan Group Ltd. As a family of cycling enthusiasts, we decided to combine our insurance experience with our love for cycling and launched Yellow Jersey. Our vision is to “Free Your Ride” giving you more time and peace of mind with quality cover that you can rely on. By designing cover that we would choose ourselves, we provide the products and services that allow our customers to ride without any concerns, concentrating on the enjoying of cycling, confident in the knowledge that if anything should happen, we’re there to get them back on the bike.

What’s the difference between our Bicycle Insurance and our Cycle Travel Insurance?
We offer two complementary bicycle insurance products for UK customers. Bicycle Insurance provides UK customers with complete cover for all their bikes worldwide, including crash damage and theft, alongside numerous other benefits as standard. Our Travel Insurance covers medical expenses and repatriation in the event of an accident abroad, on top of lots of other features you’d expect from a travel insurer.

I’m buying the bike through Cycle to Work – Can you note the scheme provider as an interested party?
Of course, this is no problem. All you have to do is send us an email containing your policy number and details of the Cycle to Work scheme provider and we will note their details accordingly on your bicycle insurance.

What is the maximum value bicycle you insure?
The level of cover is dependent on the policy that you chose. Under our Essentials policy you can obtain bicycle insurance for a single bicycle up to a maximum value of £1,000, but maximum total cover for all your bicycles and accessories is up to £3,000. For our Performance coverage, the single bike limit is £3,000 and your maximum total cover for all bicycles and accessories is £10,000. Whilst if you go for the Ultimate package, our single bicycle limit is £15,000 but the maximum total cover for all your bicycles and accessories stretches to £50,000. When adding accessories to any of these policies, the first £250 of their value is already included as standard.

What lock do I need?
If you are leaving your bicycle unattended when out and about, or if it stored somewhere not secure, then it will need to be locked through the frame to an immovable object with an approved lock. Bicycles worth £1000 or more need a Sold Secure Gold rated lock. Bicycles worth less than £1000 can be locked with Sold Secure Silver. Sold Secure are a third party rating company who test bicycle locks to see how easy they are to break open. The vast majority of bicycle locks sold in the UK will have this rating, and will usually display their rating proudly on the packaging. If you are unsure, you can check your lock against the database over on their website. There are some lock manufacturers who use terms like Gold and Silver in their marketing but are not rated by Sold Secure. Make sure you look for the Sold Secure logo when buying a bicycle lock.

How do I value my bike?
For most of our customers, the value of your bicycle is the price you paid for it, whether new or second hand. You can also insure a bicycle you have assembled from parts. You should insure the bike for the full cost of the build; the total cost of the frame and components. If you need to make a claim, we will need some form of proof of ownership. This could be receipts for individual components or detailed photographs of the bike prior to making a claim.

How many cycles can I insure on one cycle insurance policy?
You can take out bicycle insurance on up to 15 bikes on a single policy, just as long as the total combined value of the bicycles and accessories does not exceed £50,000 and the bikes are all owned and used by your or members of your household.

Is there an excess on this policy?
The standard excess for our bicycle insurance policy is 10% up to a maximum of £100 for theft or accidental damage. But unlike most bicycle insurers, there is no excess on third party claims made against you.

Can I buy your insurance if I live outside of the UK?
Unfortunately, our bicycle insurance is only available to UK customers. Our travel product can currently be purchased by EU residents though.

Will damage to my bicycle of theft be covered if I lend it to another person?
Our bicycle insurance will only cover you if you lend it to a member of your immediate family. That means your parents, spouse, partner, son, daughter or siblings, who permanently live with you. With prior permission from us, we can from time to time allow cover for friends to use the bike, but only if signed off by the team at Yellow Jersey.

Can I cancel my policy?
We have a 14-day cooling off period built into our policies, after which point we are unable to provide refunds on either bicycle insurance or travel insurance policies. If you don’t want or need an annual policy, we also offer short-term cover for periods of 5, 10, 17, and 31 days, so if you only need bicycle insurance or travel insurance for a specific event, or a period of less than a year, please ensure you purchase a short-term policy. If you do wish to withdraw your policy during the cooling off period, you will incur a cancellation charge. Please see our terms of business for more details.

Can I pay in instalments?
Yes. This adds 10% to the overall premium, through a premium credit provider, split over 10 months.

How do I make a claim?
To make a claim for theft, accidental damage or race fee cancellation, you will need to login to your account. Don’t worry if you have forgotten your password, you will be given the option to reset it. Once logged in, click ‘Claim’ next to the relevant policy, then chose and fill out the claim form you need from the available options.

I have previously made a claim, will this affect my cover?
No. Even if you have a claim with us, your 25% renewal discount will apply. However, if you have had 3 bicycle claims in 3 years, we cannot insure you and your bike.

 


Employee Registration

This is a voluntary benefit, which means that all employees as individuals can register for this scheme independently from their employer. 

Please complete the short form below and we will provide you with your Gemelli discount code. Any questions, or if you would prefer to complete your registration over the phone, please call us on 01280 851113.


Your Details...


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Your Agreement...

I confirm that the information I have given is accurate and that Gemelli may contact me using the details I have provided.


Data Protection...

The information that you provide on this form will be used in a confidential manner to help us process your request to use one of the services we provide to your employer. We abide by the Data Protection Act and General Data Protection Regulations. We are conscious of only taking the personal data from you that we require and will keep it safe and secure. We may need to take limited details about you to process this application. You can find details of how we process your personal data in our Privacy Policy on our website. 

I confirm that I understand and agree to the Data Protection Statement above and the terms of Gemelli's Privacy Policy.


Please now submit your registration by clicking on the button below. One of our team will be in touch shortly - thank you.

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Ask us a Question...

Any questions? Please complete the short form below and one of our team will be back in touch promptly. If you would prefer please call us on 01280 851113.


Your Details...


Your Question...


Your Agreement...

I confirm that Gemelli can contact me regarding this enquiry using the details I have provided.


Data Protection...

The information that you provide on this form will be used in a confidential manner to help us process your request to use one of the services we provide to your employer. We abide by the Data Protection Act and General Data Protection Regulations. We are conscious of only taking the personal data from you that we require and will keep it safe and secure. We may need to take limited details about you to process this enquiry. You can find details of how we process your personal data in our Privacy Policy on our website. 

I confirm that I understand and agree to the Data Protection Statement above and the terms of Gemelli's Privacy Policy.


Please now submit your enquiry by clicking on the button below. One of our team will be in touch shortly - thank you.

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