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When it comes to insuring your pedal cycles, Intelligent Insurance offers flexibility in coverage. You have the choice to select coverage ranging from the UK to Worldwide. This ensures your bicycles are protected not only at home but also during your travels abroad. Worldwide Coverage Considerations Opting for Worldwide coverage ensures that your pedal cycles are safeguarded against risks, damages, or theft, no matter where your adventures take you. It’s an ideal choice for those who enjoy cycling abroad or frequently travel with their bicycles. Added Peace of Mind Whether you’re exploring local trails or pedalling through foreign landscapes, having coverage for your pedal cycles offers peace of mind. Intelligent Insurance aims to provide comprehensive protection, allowing you to enjoy your cycling adventures without worrying about potential risks. Choosing the Right Coverage When considering coverage options for your pedal cycles, think about your travel habits and how frequently you take your bicycles abroad. Tailoring your coverage to align with your lifestyle ensures that you have the right protection in place. Summary Explore the flexibility of pedal cycle coverage with Intelligent Insurance. Select the coverage that suits your cycling lifestyle, ensuring your bicycles are protected at home and abroad, from local rides to global adventures. If you have any questions, our team is ready to provide the assistance you need.

Coverage in Europe When you embark on a trip within Europe, rest assured that your items are covered. Whether you’re strolling through historic streets or relaxing on the beach, our insurance safeguards your possessions, providing peace of mind throughout your European adventures. Worldwide Protection Extend your coverage globally. Beyond Europe, our insurance offers protection worldwide for a maximum of 60 days in each insurance period. From bustling cities to remote paradises, your items are secure, allowing you to create memories without worrying about the safety of your belongings. Tailored for Travel Our insurance is designed to cater to the unique needs of travelers. We understand that holidays come in various forms, so our coverage adapts to your travel plans, ensuring comprehensive protection for your items, no matter where your journey takes you. Summary With our insurance, explore the world confidently, knowing that your belongings are covered against unforeseen events. Travel with the freedom to enjoy every moment, and let our coverage handle the protection of your cherished items.

Personal belongings cover is a valuable addition to your insurance policy, offering protection for items you carry outside your home. This includes essential belongings like your mobile phone, bag, tablet, and more. While the standard policy covers possessions within your home, personal belongings cover extends this protection to items you take with you on the go. Key Features of Personal Belongings Cover: Coverage Beyond Home This optional extra ensures that your valuable possessions are protected beyond the confines of your home, providing a safety net when you’re out and about. Comprehensive Protection From your everyday essentials like a mobile phone to gadgets and accessories, personal belongings cover safeguards a range of items from potential risks such as theft, loss, or damage. Customisable Options You have the flexibility to tailor your coverage based on your needs. Select the appropriate level of cover, considering the total value of the items you frequently carry outside your home. Additional Premium While personal belongings cover enhances your policy’s scope, it comes as an optional feature requiring an additional premium. This allows you to choose the level of protection that aligns with your lifestyle. Summary By opting for personal belongings cover, you extend the protective shield of your insurance, ensuring that your essentials are covered, whether you’re at home or on the move. Get your instant quote today or speak to one of our experts via live chat.

Valuations Frequency While there isn’t a strict timeframe for valuations, it’s not a prerequisite for insuring items. Nevertheless, opting for valuations is advisable for accurate insurance, preventing potential losses during a claim. In cases of high-risk or high-value items, presenting proof of value and ownership becomes crucial – a comprehensive valuation serves this dual purpose. Annual Jewellery Valuations Consider valuing expensive jewellery annually. Market dynamics influence metal and stone prices, making frequent valuations essential. Certain policies may stipulate specific conditions regarding the frequency of valuations or inspections. Policy Endorsements Some policies come with specific endorsements that outline the necessary frequency for valuations or inspections. Adhering to these conditions ensures that your insurance policy remains effective, covering your valuables adequately. Summary By incorporating regular valuations into your insurance strategy, you not only uphold accurate coverage but also demonstrate a proactive approach to safeguarding your valuable possessions against unforeseen events.

Home Emergency Cover and Home Emergency Plus are subject to eligibility requirements, waiting periods and exclusions. Whether a particular emergency is covered will depend on your policy schedule, the circumstances and the policy terms. Who is eligible? Home Emergency Cover is available for an owner-occupied property used as your principal permanent home. It is not available to landlords for their tenanted properties. Your policy schedule confirms whether Home Emergency Cover or Home Emergency Plus applies to you. When does cover start? Claims arising during the first 48 hours after the cover starts are excluded unless you held equivalent insurance immediately beforehand. A separate 30-day waiting period applies to the boiler replacement contribution unless you held equivalent insurance immediately beforehand. Occupation and reoccupation restrictions Claims during the seven days immediately following your first occupation of the home are excluded. The same seven-day restriction applies after you reoccupy a home that has been left unoccupied for 30 consecutive days or more. Other common exclusions A claim may not be covered where: you knew about the circumstances before the insurance started the system or equipment was not properly installed or maintained the problem relates to an appliance the system has been incorrectly used, modified or tampered with the problem results from general wear and tear, neglect or a lack of maintenance the work is covered by a manufacturer’s, supplier’s or installer’s guarantee or warranty the circumstances are not sudden or unforeseen you arrange work directly with a contractor without first contacting the claims helpline This is not a complete list of exclusions. Read your schedule and the relevant documents on our Policy Documents page for the full terms that apply to your cover.