Sundays Bicycle Insurance Review: Cover, Locks & Claims

Sundays: review summary

RideIn’s assessment: Worth comparing for a factory-built e-bike or a leisure bicycle when you want to choose travel and event extensions. Read the used-bike settlement terms and recovery exclusions carefully; the broad new-for-old and breakdown headlines need qualification. This is a review of published documents, without a test purchase or claim.

Sundays company and product facts
Feature	Published position
Business	Sundays is a trading style of Gator Bikesure Limited
Insurance roles	Gator is an appointed representative of Twothreebird UK Limited; the bicycle insurer is Red Sands Insurance Company (Europe) Limited
Published principal FCA reference	313965 for Twothreebird UK Limited; verify the current details
Cover approach	Bicycle cover, cyclist cover and optional benefits; match your schedule
Lock requirement	Sold Secure Silver below £1,500; Gold from £1,500
Used bicycles	The wording uses the higher of assessed market value or its depreciated-value calculation, subject to the settlement limits
Price	Individual quote; check your selected excess and full annual cost

The FCA references above are published by the business. Use the FCA Firm Checker to check the current firm, contact details and permissions. Regulatory status does not establish that a policy meets your needs.

Helmeted commuter securing a grey bicycle at a metal cycle stand beside the Thames — Check the required lock rating and locking method for every place you leave your bicycle.AI-generated illustration; not a photograph of a real product, location or test.

Who is behind Sundays insurance?

Sundays is a bicycle-insurance brand rather than the legal name of the underwriter. Its document library identifies Gator Bikesure Limited as the arranger and Red Sands Insurance Company (Europe) Limited as the bicycle insurer. Gator acts as an appointed representative of Twothreebird UK Limited. Separate legal-expenses cover has its own documents, so check each section rather than assuming one company handles every benefit.

Keep the legal names with your quote. They help you identify the right claims and complaints contacts and compare the business against the FCA’s records. Our review evaluates the advertised cover and practical conditions; it does not establish a claims-acceptance rate or rank the service team.

Sources: Sundays: legal information and document library.

What does Sundays bicycle insurance cover?

The bicycle product advertises theft from home and away, accidental and malicious damage, domestic transit, replacement hire and taxi reimbursement after qualifying breakdowns. The homepage gives a £500 hire/public-transport allowance following an approved claim and up to £250 towards qualifying transportation after breakdown. These benefits have separate triggers and restrictions; they are not an unrestricted transport budget.

Accessories, additional wheelsets, racing and worldwide bicycle cover are optional. The homepage advertises up to £5,000 for selected accessories and apparel. Specify valuable equipment in the correct category, including custom components: a bicycle’s original price may no longer reflect the cost of replacing an upgraded build.

Sources: Sundays: bicycle benefits and optional extensions.

Bicycle cover, cyclist cover, racing and overseas trips

Bicycle cover protects insured property. Cyclist cover addresses separate rider-related risks; do not assume that buying theft protection automatically includes personal accident or liability. The bicycle product summary identifies racing, worldwide protection and equipment extensions as selected options.

Sundays’ travel summary advertises up to 365 days abroad in total, with a maximum of 90 consecutive days per journey. Public liability has a USA and Canada exclusion. Confirm the exact event or discipline when selecting racing cover, and arrange any necessary medical travel insurance separately. A policy that repairs your bicycle does not by itself promise hospital treatment or repatriation.

Sources: Sundays: bicycle product summary · Sundays: cycling and rider protection.

Sundays approved locks and storage requirements

The FAQ specifies Sold Secure Silver for bicycles insured below £1,500 and Gold for bicycles insured at £1,500 or above. Check the lock’s exact model and rating before buying cover. Plan how you will meet the rules at home, work, stations and accommodation, rather than checking only your usual street rack.

The wording requires the frame and quick-release wheels to be secured to an immovable object using an approved lock where the relevant security rule applies. Shared storage and private buildings have different requirements; the latter include specified door security or an alternative anchoring arrangement. Do not assume a cable supplied alongside a rated D-lock has the same certification. Keep lock evidence and ask Sundays to confirm any unusual storage arrangement.

Sources: Sundays: approved-lock FAQ · Sundays: security conditions in the policy wording.

New-for-old, second-hand bikes and claim excess

The new-for-old headline needs qualification. The published wording distinguishes bikes bought new by the policyholder from second-hand purchases. For a used bicycle it uses the higher of an assessed market value or a specified depreciation calculation, subject to the settlement limits and excess. It also contains underinsurance provisions. Ask how these rules apply to your particular purchase before selecting a value.

For a used bicycle, compare the likely insured settlement with the cost of buying a suitable replacement and the premium over your expected ownership period. Ask whether a repair, supplier replacement or cash payment would be offered and how the excess changes the result. The reviewed documents direct you to your schedule for the applicable excess, so this review does not present a single promotional excess as universal.

Sources: Sundays: valuation and settlement conditions.

Cyclist planning a trip with a laptop and maps beside a road bicycle at home — Describe your commuting, trips and events accurately when comparing policy options.AI-generated illustration; not a photograph of a real product, location or test.

E-bike eligibility and battery theft

Sundays’ e-bike page describes pedal-assisted bikes with a motor of no more than 250W and assistance limited to 15.5mph. It says the bicycle must have been manufactured as an e-bike and excludes ordinary bicycles retrofitted with an electric kit. The e-bike must also be identified as covered on the schedule.

Its battery-theft description requires the battery to be secured so that removal needs specialised tools. Ask about your exact battery arrangement before assuming a removable battery qualifies. A commuter with a conversion kit should compare providers that expressly accept that conversion rather than relying on the fact that the kit may be road legal.

Sources: Sundays: e-bike and battery conditions.

Exclusions that can change the comparison

The published taxi-reimbursement conditions exclude flat tyres, punctures and flat batteries and restrict recovery by distance and incident count. The wording also excludes professional or business use and courier activity. This is especially relevant if you expect a policy to rescue you after the most common roadside problems or use a bicycle for paid deliveries.

Before choosing, describe a realistic incident: a puncture halfway through a leisure ride, a stolen second-hand commuter or a converted e-bike outside work. Check the actual response to that scenario. Comparing those answers with ETA’s Cycle Rescue options and other providers’ valuation rules is more useful than comparing a count of headline benefits.

Sources: Sundays: recovery, eligibility and exclusions.

How to make a Sundays bicycle insurance claim

Sundays directs customers to report an incident through its online claims process and provide the evidence requested. Its FAQ says to contact it within 30 days of a claimable event and to obtain a police report for theft or attempted theft. Prepare ownership records, the frame number, photographs and security evidence while the bicycle is still in your possession.

After a loss, keep damaged equipment and lock remains where available and safe. Ask for approval before committing to repairs, hire or other costs. Record each submission and keep the policy version and schedule with your claim. Follow the formal complaints procedure if you disagree with a decision and ask which specific clause explains the outcome.

Sources: Sundays: claim process · Sundays: claim notification FAQ.

Sundays bicycle insurance: common questions

Does Sundays cover a second-hand bicycle new for old?

Not on the same basis as a bicycle bought new by you. The reviewed wording uses the higher of assessed market value or its depreciation calculation for second-hand bikes, subject to the claim limits and excess.

Does Sundays accept an e-bike conversion kit?

Its e-bike page excludes retrofitted ordinary bicycles and says the bike must have started life as an e-bike. Confirm your exact specification with the provider.

Does Sundays taxi cover include a puncture?

The reviewed policy wording excludes flat tyres, punctures and flat batteries from taxi reimbursement. Check the version supplied with your quote and any distance conditions.

Cyclist reviewing paperwork at an outdoor table beside a bicycle — Keep the policy schedule, ownership evidence and claims instructions together.AI-generated illustration; not a photograph of a real product, location or test.

Compare bicycle insurance providers

Use the bicycle insurance comparison panel and provider directory to build a shortlist. Compare the same bicycle value, activities, storage, excess and dates.

Read our home versus specialist cover guide, approved-lock guide, theft claims checklist and cycling holiday insurance guide. For a commuting bike, check ownership and insurance responsibilities under your Cycle to Work scheme.

If a dispute remains unresolved, follow the complaints process in your policy and check whether the Financial Ombudsman Service can consider it.

Policy documents and official guidance

RideIn provides general information, not a personal recommendation. Use the policy wording and schedule issued with your quote to confirm cover; product terms can change.