We have tried to make this website easy to use so you can obtain instant cover.
If you encounter any problems, please read below before phoning the Butterworth Insurance Services Helpline on 0151 427 9529 or emailing info@butterworthinsurance.co.uk
1. Quotations
Choose the menu item Getting a Quotation and enter your details. First you need to enter the replacement value of the cycle you want to insure. Then enter your Postcode into the second box. Immediately you do this the premium you will be required to pay will be displayed.
If you are intending to insure more than one cycle, simply add the replacement values of all the cycles together and enter them into the box as one total amount. You may insure up to five cycles without referral to Butterworth Insurance Services. The premium quoted will apply for all your insured cycles.
2. Extensions of Cover
The premium you will pay depends on whether you purchase standard leisure cycling cover, or whether you extend the policy to include:
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Competition, 'massed start' racing, including triathlon events
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Personal accident cover
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Public liability cover
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Bike hire on holiday following a loss (this option is free).
When applying online you will see that the premium quotation changes each time you choose, or exclude, the above options. If you exclude all options you will get the cheapest quote and basic cover.
Leisure use of cycles is automatically provided. You may extend cover to include competition use which is defined as use for road or circuit racing which involves a 'massed start'. If you wish to cover competition use you will pay a higher premium due to the increased risk of accidental damage.
3. Territorial Limits
Your policy covers you for use throughout the whole of the UK. We may if requested extend cover for use abroad and we may charge an additional premium for this depending on where you are travelling or staying, and for how long. LCC Urban Cycling Insurance is only available to people who are permanently domiciled in the UK.
4. Family Members Cover
LCC Urban Cycling Insurance cover applies only to the person named in the Schedule of Insurance. You may extend cover to allow other members of your family who are permanently residing with you at the address shown on the Schedule of Insurance.
5. Paying Your Premium
The application process is completed by payment of the premium. As soon as the payment is received by us the Contract of Insurance is - subject to underwriters' approval - legally bound and you are on cover. You may pay the premium to us online (via WorldPay), by phoning us with your credit/debit card details, or by mailing us a cheque payable to Butterworth Insurance Services.
6. Summary of Cover and Certificate of Insurance
Please check before purchase that this insurance product meets your demands and needs:
7. Congratulations, you are now insured!
We will send your policy schedule by email or post. We ask you to check this very carefully and if there are any errors or omissions please advise us immediately.
If you find that LCC Urban Cycling Insurance does not meet your demands and needs please cancel the contract of insurance by returning the documentation we have sent to you within 14 days. We will return your premium to you, less a £10.00 administration charge. The ‘Cooling Off’ period is 14 days in accordance with the recommendations of the Financial Services Authority and the Financial Ombudsman.
If you need to change the details of your cover, or if you wish to add or delete a cycle, please phone Butterworth Insurance Services on 0151 427 9529.
