We hope this never happens to you…. but if it does then we’ve got your back - you’ll need to report the theft to the police and submit the crime report reference no. as part of your claim.

Mugging is covered under our "Theft away from home".

How do I check which package I'm on?

What’s not covered by the “theft away from home” module;

We won’t provide any cover under this module if your bike is left unattended and hasn’t been secured to an immovable object using a Sold Secure Gold lock. For a mugging to be valid, you must be in attendance with your bike.

We have to judge each claim independently, but as a rule of thumb if you are not capable of attempting to prevent the theft of your bike, we’d consider it to be unattended. But don’t worry, we’re not saying you have to put yourself in danger and try to stop a thief!

We won’t provide any cover if your bike has been abandoned i.e. if it is left unattended in a public storage location for more than 24 consecutive hours.

We won’t provide any cover unless you’ve reported the theft to the police and provide us with a crime reference number when submitting your claim.