Atlas Insurance

What does Public Liability insurance cover me for?

Any injury or property damage to other people (third parties) which arise from your use or ownership of a bicycle.

Will I be covered if I use my bicycle for competitive racing?

Yes, you can be covered but you will need to take up the Sprint option at an additional charge. Higher excesses apply for this cover as well as reduced third party liability of €250,000 which is also limited to €60,000…

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Can I include more than one bicycle on this policy?

Yes, multiple bicycles can be insured under the iCycle policy and you can take up the Family option to cover different members of your family using the insured bicycles, provided that family members are parents, spouses, partners, sons, daughters or…

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Can I insure my bike if it is second hand or more than 3 years old?

Yes, you should still insure the bike for the new retail (new for old) value. In the event of a claim for loss or theft of the whole bicycle the following deprecation will be applied: • Up to 3 years…

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What value should I insure my bike for if I bought it on sale or second hand, or it is over 3 years old?

You should insure your bike for the full retail value should you need to buy a new one. Depreciation will apply. See the FAQ on depreciation for more details.

How do I value my bicycle if it is made up of different parts and has been customised?

You need to obtain a value by adding up the overall cost of parts (using original receipts), but it is advisable to discuss such bicycles with us when taking up cover.

What about any spare wheels in the cost of the bicycle or are they included in accessories?

Any spare parts or wheels which are not permanently attached to the bicycle cannot be covered; not even as accessories.