First Year Student Living In Halls?
As a student your pedal cycle may be your main means of transport, as it is often the cheapest method. As a specialist student insurer we understand that and have developed our pedal cycle insurance with you in mind. We cover most types of pedal cycles such as road bikes, hybrid bikes mountain bikes or a bmx’s.
Types of bicycles covered by this insurance are:
| BMX bikes | Electric bikes | Power Assisted Bikes |
| Carbon fibre bikes | Folding bikes | Road bike |
| Children’s bikes | Hybrids and comfort bikes | Tandem bikes |
| Cruisers | Lightweight high-performance bikes | Titanium bikes |
| Disability modified-bikes | Mountain bikes | Touring bikes |
If you purchase student pedal cycle insurance from Cover4Students, we will send you an email confirming your purchase of cover and provide you with your personal policy schedule, policy wording and policy summary documents.
You will also have the option for a printed copy to be sent via post subject to an additional postage premium being paid.
We also provide the option below for you to view and download the Policy Wording and Policy Summary documents so that you can view prior to purchase or at any time after.
The insurance for students policy documents are available as PDFs. To view these documents you will need a PDF reader. Download Adobe Reader from the
Adobe website or visit Access Adobe for help.To view your documents, please click on the links below:
| Policies Purchased after 01/08/2023 | ||
 Policy Wording | Claims Form | |
| Policy IPID† | ||
| Policies Purchased after 01/03/2023 | Policies Purchased up to 01/03/2023 | |
| Policy Wording | Claims Form | Policy Wording |
| Policy IPID† | Policy IPID† |
For all claims except Legal Expenses claims:
Please fill in a claims form: Make A Claim
Cover4insurance will deal with all claims. You must refer all correspondence and telephone enquiries to cover4insurance.com at the following address:
Cover4 Insurance Claims Team,
Davies Group Ltd,
PO BOX 2801,
Stoke on Trent,
ST4 9DN.
Telephone: +443450308105
Please include the following details:
All claims for theft or loss must be reported to the police.
For all Legal Expenses (Section 6 only):
Legal Claims Notification & Advice Helpline Service:
– 0161 492 1639
– nonmotorclaims@financialandlegal.co.uk
We will not accept responsibility if the Claims Notification and Advice Helpline Services fail for reasons beyond our control.
We strongly recommend that you read the policy wording document to see a full list of the terms and conditions that apply to your policy with us. These can be downloaded from the Policy Documents Tab.
Your Duty of Care
You must, at all times, take all reasonable steps to prevent accidents, loss and damage.
My pedal cycle is worth more than £1,000 can I get still get insurance?
Yes, we offer a specialist pedal cycle insurance cover, up to £3,000.
Is cover on a new for old basis?
Yes, we replace items where necessary on a new for old basis.
What does pedal cycle insurance cover?
Covers your pedal cycle for accidental damage or theft occurring anywhere within the UK.
My pedal cycle is over 12 months old can this be covered?
Yes, there is no age limit on our policy. Please note that items are replaced on a new for old basis so if a claim does happen it will be replaced like for like with a similar item which is determined by your current items specification.
Am I covered for ‘Walk in Theft’ for my pedal cycle?
Yes, there is no requirement on the policy for forcible and violent entry or exit to the property. You would however need to report the theft to the police and gain a crime reference number.
What does ‘Walk in Theft’ cover mean’?
This basically means that there doesn’t need to be a physical break-in to the property. As we are a specialist student insurer we understand that students often live in shared accommodation and we take into this into account. For example – say somebody comes back to your property with one of your flat mates, this person then enters your room and steals your pedal cycle and as long as you report the incident to the police then you are still covered.
Please note that you do still have a duty of care requirement under the policy (you must, at all times, take all reasonable steps to prevent loss) with this in mind you should close windows and lock main entry and exit doors when you leave the property.
Does the policy cover my pedal cycle outside of the property?
Yes, you are automatically covered for your pedal cycle anywhere within the United Kingdom.
Does the policy cover my pedal cycle outside UK?
Under this product we cannot cover your pedal cycle outside of the UK. If you are based in the Republic of Ireland we do have a separate pedal cycle insurance product that can cover you in Ireland please click here for more information.
I am a student in Ireland can I get pedal cycle insurance?
If you are based in the Republic of Ireland we do have a separate pedal cycle insurance product that can cover you please click here for more information.
Does the policy cover me for third party liability?
Yes, public liability up to £1,000,000 — cover for amounts you become legally liable for in relation to accidental bodily injury, death, disease or accidental damage to any person or accidental damage to third party property which arises from your use or ownership of the pedal cycle.
What is Third Party Liability cover?
This is cover for amounts that you become legally liable for which arise out of the use or ownership of your pedal cycle. Examples of this would be if you injured another person or damaged there car or pedal cycle.