Yellowjersey.co.uk Reviews

Based on looking at the website Yellowjersey.co.uk, it appears to be a UK-based insurance provider specializing in niche policies related to cycling. While the site focuses heavily on bicycle insurance, cycle travel insurance, and health insurance, it’s important to approach any insurance product, particularly those with elements like “travel insurance” and “health insurance” which often involve conventional financial structures and potential interest-based dealings or uncertainty, with caution from an ethical standpoint. These types of financial instruments, when not structured according to specific ethical guidelines like Takaful Islamic insurance, can involve elements of riba interest or gharar excessive uncertainty, which are not permissible. Therefore, while we can review the website’s offerings, readers should always seek out ethically aligned alternatives or consult with knowledgeable individuals regarding the permissibility of such conventional insurance products. It’s always beneficial to explore options that prioritize mutual cooperation and risk-sharing without resorting to interest or speculative practices.

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IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org. Bromwichandsmith.com Reviews

Yellowjersey.co.uk: A Review and First Look

Based on an initial review of Yellowjersey.co.uk, the website presents itself as a specialist insurance provider catering primarily to the cycling community in the UK.

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The user interface is clean, making navigation fairly straightforward, and the services offered are clearly laid out.

From a quick glance, it’s evident that their core offerings revolve around bicycle insurance, cycle travel insurance, and general health insurance, all tailored with cyclists in mind.

• Target Audience: The site specifically targets cyclists, from casual riders to competitive athletes. This niche focus allows them to offer what they present as tailored policies.
• Key Products:
  • Bicycle Insurance: This appears to be their flagship product, covering theft, crash damage, and various other cycling-specific risks.
  • Cycle Travel Insurance: Designed for cyclists traveling abroad, focusing on medical expenses and trip cancellation, but notably excluding bicycle cover.
  • Health Insurance: A UK-specific health insurance product, positioned as an alternative or supplement to NHS services, offering faster access to treatment.
• Initial Impression of Transparency: The site provides a comparison table for their bicycle insurance tiers Essentials, Performance, Ultimate, which aids in understanding the differences in coverage. They also highlight key features and benefits directly on the homepage.

Yellowjersey.co.uk Cons

While the website details various insurance offerings, it’s crucial to acknowledge the inherent issues associated with conventional insurance models, which Yellowjersey.co.uk appears to follow. These models often operate on principles that raise concerns from an ethical standpoint, particularly concerning elements like riba interest and gharar excessive uncertainty or speculation.

• Reliance on Conventional Insurance Model: The fundamental structure of traditional insurance involves a fixed premium payment in exchange for a promise of compensation in case of a specified loss. This often includes elements of interest in the investment of premiums and a significant degree of uncertainty regarding payouts, which can be problematic.
• Potential for Riba Interest: Insurance companies typically invest collected premiums, and a portion of their profits often comes from interest-bearing investments. When a policyholder pays a premium, they are indirectly participating in this interest-based financial system.
• Involvement of Gharar Excessive Uncertainty: While insurance aims to mitigate risk, the contract itself can involve significant uncertainty for both parties regarding the occurrence of the insured event and the exact payout. This level of ambiguity in financial transactions can be ethically problematic.
• Absence of Ethical Alternatives: The website does not indicate any adherence to alternative, ethically-aligned insurance models like Takaful, which is based on mutual cooperation, risk-sharing, and interest-free investments. This omission means that individuals seeking to adhere to specific financial principles would find their offerings unsuitable.
• Focus on Material Protection: While protecting assets like bicycles is understandable, the emphasis on material coverage without explicitly addressing ethical financial practices can lead individuals towards transactions that contradict their values.
• Health Insurance Nuances: The health insurance product, while offering benefits like faster access to treatment, still operates within the conventional insurance framework, implying similar ethical considerations regarding riba and gharar.

Yellowjersey.co.uk Alternatives

For those seeking to protect their assets or manage health risks without engaging in conventional insurance models that may involve riba or gharar, several ethically sound alternatives exist. These options prioritize mutual support, direct giving, and interest-free financial practices. Juristu.nl Reviews

• Takaful Islamic Insurance:
  • Concept: Takaful is a cooperative system where participants contribute to a common fund, and in the event of a loss, money is drawn from this fund to pay claims. It operates on principles of mutual assistance and shared responsibility, avoiding interest and speculative elements.
  • Application for Assets: For bicycle or travel protection, one could seek Takaful-based solutions that offer coverage for theft or damage based on a cooperative model.
  • Health Takaful: Similar to asset protection, health Takaful systems exist where members contribute to a fund used to cover medical expenses, ensuring a cooperative and ethical approach to health coverage.
  • Availability: While more prevalent in Muslim-majority countries, Takaful providers are expanding globally. Researching Takaful companies operating in your region is a recommended first step.
• Self-Insurance and Emergency Funds:
  • Concept: Instead of paying premiums to an insurance company, individuals can allocate funds into a dedicated savings account specifically for potential emergencies or losses.
  • Application for Bicycles: For high-value items like bicycles, setting aside a proportional amount into a “bicycle fund” allows you to cover repair costs, replacement in case of theft, or even contribute to a community pool for collective support.
  • Health Costs: Similarly, building a robust emergency savings fund can cover unexpected medical expenses, allowing for direct payment for services without engaging in conventional health insurance. This approach fosters self-reliance and financial discipline.
• Community Mutual Aid and Charity:
  • Concept: Relying on community support, mutual aid networks, or charitable organizations in times of need. This aligns with principles of giving and collective responsibility.
  • Practicality: While not a direct substitute for formal insurance, fostering strong community ties and participating in charitable giving can create a safety net for unexpected difficulties. In some communities, specific funds are established for members facing hardship, including unforeseen medical or property losses.
• Ethical Investment and Savings:
  • Concept: Investing savings in ethically screened, interest-free ventures to grow wealth. This wealth can then serve as a buffer against unforeseen circumstances.
  • Benefit: By focusing on productive, ethical investments, individuals can build financial resilience over time, reducing the perceived need for conventional insurance that might involve problematic elements.
• Prevention and Risk Mitigation:
  • Concept: Proactive measures to reduce the likelihood of loss or damage.
  • Bicycle Security: Investing in high-quality locks, secure storage, and using tracking devices can significantly reduce the risk of bicycle theft.
  • Health and Wellness: Prioritizing a healthy lifestyle, regular exercise, and preventative care can reduce the likelihood of serious health issues and associated costs.
  • Travel Planning: Thorough research, responsible travel practices, and careful budgeting can mitigate many travel-related risks and financial uncertainties.

Yellowjersey.co.uk Pricing

Based on the information available on Yellowjersey.co.uk, the pricing structure for their insurance products, particularly bicycle insurance, appears to be tiered and depends on the level of coverage selected.

While exact figures would require a personalized quote, the website indicates several factors influencing the premium.

• Tiered System for Bicycle Insurance:
  • Essentials: Positioned as their entry-level package, covering basic theft and accidental damage. This would logically be the most affordable option.
  • Performance: Designed for more regular riders, potentially including limited overseas coverage e.g., 30 days in Europe and event participation sportives/charity events. This tier would be priced higher than “Essentials.”
  • Ultimate: Their premium offering, catering to competitive cyclists with worldwide coverage e.g., 120 days, racing inclusion crits, triathlons, MTB, CX, and additional benefits like event withdrawal cover. This would be the most expensive tier.
• Factors Influencing Price Implied:
  • Bicycle Value: The “Single bike limit” of up to £15,000 and “Max policy value” of £50,000 clearly indicate that the value of the bicycles being insured will be a primary determinant of the premium.
  • Coverage Level: As detailed above, selecting a higher tier Performance or Ultimate will result in a higher premium due to increased benefits and wider scope of cover.
  • Geographic Coverage: Policies offering European or worldwide coverage will naturally be more expensive than UK-only options.
  • Activities Covered: Including racing or specific events will increase the premium, as these activities inherently carry higher risks.
  • Additional Add-ons: The mention of “Optional” additional wheelsets, helmet & clothing, and certain medical covers implies that adding these to a policy would increase the overall cost.
  • Discounts:
    • Renewal Discount: They explicitly state a “25% renewal discount” for returning customers, suggesting a pricing strategy to retain existing policyholders.
    • Multi-bicycle Discount: A “60% multi-bike insurance discount” for every bike added after the most expensive one is a significant incentive for households with multiple bicycles.
    • Family Cover: Included in all policies, suggesting a potential consolidated price for family insurance rather than individual policies.
• Quotes Process: The website directs users to “Get quote” buttons, indicating that personalized pricing is generated based on specific details provided by the customer e.g., bike value, postcode, chosen cover level.
• Excess: An excess of “10%, capped at £100” is mentioned across all tiers. This means that in the event of a claim, the policyholder would be responsible for paying the first 10% of the claim value, up to a maximum of £100. This effectively reduces the overall payout from the insurer and can influence the premium calculation.

Yellowjersey.co.uk vs. Home Insurance Standard Policies

When comparing Yellowjersey.co.uk’s specialist bicycle insurance with standard home insurance policies, several key distinctions emerge.

These differences often highlight why a dedicated cycling policy is promoted, even if the underlying financial model of conventional insurance should be carefully considered.

• Coverage Specificity: Complicated.life Reviews

  • Yellowjersey.co.uk: Offers highly specialized coverage tailored to cyclists. This includes:
    • Crash Damage: Explicitly covers damage resulting from crashes, which is a common occurrence for cyclists. The website notes this is “likely excluded on your home insurance.”
    • Theft “Away from Home”: While home insurance might cover theft from your property, Yellowjersey.co.uk extends this to cover theft “from home, work or elsewhere,” even when lent to family members with specific locking requirements.
    • Racing and Events: Crucially, their “Performance” and “Ultimate” tiers specifically cover bikes during sportives, charity events, and competitive racing e.g., crits, triathlons, MTB, CX. Standard home insurance almost universally excludes damage or theft during competitive use.
    • Worldwide/European Cover: Higher tiers provide coverage for cycling activities abroad, a feature rarely found in standard home contents policies.
    • Accessories & Clothing: Dedicated cover for specific cycling gear.
    • Medical Cover Cycling Related: Physio, dental, and permanent injury cover linked to cycling incidents.
    • Public Liability Cycling Specific: Up to £2m coverage for third-party claims while riding an insured bicycle, and for the named policyholder on any bike in higher tiers. This is often more comprehensive than general personal liability offered by home insurance.
  • Standard Home Insurance: Primarily designed to cover belongings within the home.
    • Limited Bicycle Cover: Bicycles are typically covered as part of general contents, often with a low single item limit e.g., £500-£1,000 unless specifically listed as a high-value item.
    • Theft “At Home”: Usually covers theft from your property, but coverage for bikes stolen away from home can be limited or require an “all-risks” add-on.
    • Exclusions: Often excludes damage from crashes, especially if it occurs outside the home. Competitive use is almost always excluded. Depreciation is common, meaning the payout value decreases over time.
    • No Specialist Benefits: Lacks benefits like emergency bike hire, event withdrawal, damage to bike boxes, or specific cycling-related medical cover.

• Claim Process & Expertise:

  • Yellowjersey.co.uk: Promotes an in-house, “customer-driven claims process” with “knowledge and expertise” in cycling. They also claim no premium increase at renewal for claims made, and a 25% renewal discount.
  • Standard Home Insurance: Claims are handled by general insurance adjusters who may lack specific knowledge of cycling equipment or scenarios, potentially leading to slower or less favorable resolutions for complex bicycle claims.

• Cost Efficiency Perceived vs. Actual:

  • For a high-value bicycle or for cyclists who frequently race or travel with their bikes, a specialist policy from Yellowjersey.co.uk might appear more cost-effective due to its comprehensive and tailored coverage compared to significantly increasing a home insurance premium or adding multiple endorsements. However, the ethical implications of conventional insurance should still be weighed heavily.

• Overall Recommendation: While standard home insurance might offer very basic coverage for a low-value bicycle, it falls significantly short for serious cyclists or those with expensive equipment. Yellowjersey.co.uk attempts to fill this gap with its specialized offerings. However, as discussed previously, it’s essential to consider whether these conventional insurance products align with one’s ethical principles and to actively seek Takaful or other ethically-aligned financial protection alternatives.

How to Cancel Yellowjersey.co.uk Policy

Canceling an insurance policy typically involves a clear process, though specific steps might vary slightly.

Based on general insurance practices and common website features, here’s how one would generally approach canceling a Yellowjersey.co.uk policy. Thelittlegreensheep.co.uk Reviews

It’s always advisable to consult their official terms and conditions or contact their customer service directly.

• Review Your Policy Documents: Before initiating cancellation, locate your policy documents. These documents will contain crucial information regarding:
  • Cancellation Terms: Details about cancellation fees, refund eligibility pro-rata refunds if canceled mid-term, and notice periods.
  • Contact Information: Official phone numbers, email addresses, or postal addresses for cancellations.
  • Policy Number: Essential for any communication with the insurer.
• Contact Yellowjersey.co.uk Customer Service:
  • Phone Call: This is often the quickest way to confirm cancellation and get immediate confirmation. Be prepared to provide your policy number and personal details for verification. Ask for a cancellation confirmation email.
  • Email: If available, sending an email to their customer service address is a good option as it creates a written record. Clearly state your intention to cancel, your policy number, and the desired cancellation date. Request a written confirmation of cancellation.
  • Online Portal: Some insurance providers offer an online account where you can manage your policy, including cancellation requests. Check if Yellowjersey.co.uk has such a feature.
• Provide Necessary Information: When you contact them, you’ll likely need to provide:
  • Your full name
  • Policy number
  • Date of birth
  • The reason for cancellation though not strictly required, it can sometimes help them process faster or offer alternatives if you’re switching coverage
  • Desired cancellation date e.g., immediate, or end of the current term
• Confirm Cancellation and Refund:
  • Confirmation: Always ask for written confirmation of your policy cancellation. This could be an email or a letter. Keep this record for your files.
  • Refunds: If you cancel mid-term, you may be eligible for a pro-rata refund of the unused premium, minus any administrative fees. Inquire about the expected refund amount and the timeline for processing it.
• Important Considerations:
  • Replacement Coverage: If you are canceling to switch to another form of protection e.g., Takaful or self-insurance, ensure your new arrangements are in place before canceling your existing policy to avoid any gaps in coverage.
  • Direct Debits/Standing Orders: Check if any direct debits or standing orders need to be canceled with your bank after you have received confirmation from Yellowjersey.co.uk that the policy is terminated and no further payments are due. Do not cancel these prematurely without confirmation from the insurer.
  • No Claim Discount NCD: If applicable though less common for specialist bicycle insurance than car insurance, inquire about your no-claim discount status.

Yellowjersey.co.uk Customer Support and Claims Process

Based on the information provided on their website, Yellowjersey.co.uk emphasizes a customer-centric approach to support and claims.

They highlight their expertise and in-house handling, which can be a significant factor for policyholders.

• In-House Claims Process:
  • Expertise: Yellowjersey.co.uk states that their claims process is “managed completely in house,” implying that staff are knowledgeable about cycling and the types of incidents their customers face. This contrasts with larger, general insurers where claims might be handled by less specialized personnel.
  • No Script Reading: They explicitly mention, “you won’t be read a script by someone who doesn’t know what they’re doing,” which suggests a more personalized and informed interaction during the claims process.
  • Customer-Driven: This phrase implies that the process is designed to be user-friendly and responsive to the policyholder’s needs, aiming for efficiency and satisfaction.
• Claims & Renewals Policy:
  • No Premium Increase After Claims: A notable feature is their claim that they “don’t charge you extra at renewal even if you’ve made a claim.” This is a significant deviation from many conventional insurance models where a claim often leads to increased premiums upon renewal.
  • Renewal Discount: They combine this with a “25% renewal discount” for returning customers, suggesting a strategy to build long-term relationships and encourage loyalty, irrespective of claim history. This policy aims to remove the disincentive of making claims that some policyholders experience due to fear of increased future costs.
• Contact Channels Implied:
  • While specific “Contact Us” pages would detail this, insurance providers typically offer:
    • Phone Support: For immediate assistance and claims reporting.
    • Email Support: For written inquiries, documentation, and follow-ups.
    • Online Forms/Portals: Some may offer dedicated sections for claims submission or policy management.
• Pro Team Quality / Official Supplier:
  • Their affiliation as an “official supplier to the British Triathlon Federation, Ride London and Cycling UK” and providing insurance to competitors at major events suggests that their services are recognized within the cycling community. This could lend credibility to their claims handling process, as they would be expected to perform well for professional and event-level clients.
• DNA+ Security Marking:
  • They offer a “free DNA+ bicycle security marking kit” with new annual policies. While this isn’t a direct claims process feature, it’s a proactive measure designed to deter theft and aid in recovery, potentially reducing the number of theft claims and supporting overall policyholder satisfaction.
• Transparency in Cover:
  • The detailed comparison table for “Essentials,” “Performance,” and “Ultimate” tiers provides clarity on what is covered, which can help set expectations and reduce disputes during the claims process. For example, explicitly stating that “Racing is not covered in either the Essentials or Performance packages” prevents misunderstandings for competitive cyclists.

Overall, Yellowjersey.co.uk positions its customer support and claims process as a key differentiator, focusing on expertise, transparency, and a policy that aims to avoid penalizing customers for making claims.

However, as with all conventional insurance, individuals should exercise discernment regarding the underlying financial structures. Nexusaccounting.co.uk Reviews

Yellowjersey.co.uk Rewards Program

Yellowjersey.co.uk features a “Yellow Jersey Rewards” program, which appears to be a notable benefit for their customers, particularly within the context of cycling.

This program is presented as a way to “make more affordable” and “give back to the cycling community.”

• Purpose of the Program:
  • Cost Savings: The primary stated benefit is offering “market-leading discounts” on cycling-related gear, apparel, and accessories. This is designed to help customers save money on the ongoing costs associated with cycling.
  • Community Engagement: It’s positioned as part of their “ethos to ‘free your ride’” and a way of supporting their customer base beyond just insurance coverage.
• Types of Discounts/Offers:
  • Specific Examples: The website explicitly mentions “40% off Garmin” as a prominent example. This indicates partnerships with well-known brands in the cycling industry.
  • Broader Categories: They generally refer to discounts on “gear, apparel, and accessories,” suggesting a wide range of products available through the rewards program.
• Eligibility:
  • The program seems to be available to their customers, though specific eligibility criteria e.g., minimum policy term, certain policy types would need to be confirmed within the program’s terms and conditions. The wording “our customer rewards” implies it’s a benefit for policyholders.
• Value Proposition:
  • For avid cyclists, the potential for significant savings on expensive equipment like GPS devices Garmin or other cycling essentials could add substantial value beyond the insurance policy itself. If a policyholder makes use of these discounts, it could offset a portion of their insurance premium, making the overall offering more attractive from a practical standpoint.
• How to Access:
  • The website prompts users to “Find out more about our customer rewards,” indicating a dedicated section or portal where customers can access the discounts and partners. This likely involves logging into a customer account or navigating to a specific “rewards” page.
• Strategic Benefit for Yellowjersey.co.uk:
  • The rewards program serves as a strong customer retention tool. By offering tangible benefits that reduce other cycling-related expenses, Yellowjersey.co.uk provides an incentive for customers to renew their policies and stay within their ecosystem.
  • It also enhances their brand image as a company that understands and supports the cycling community, rather than just an insurance provider.

While a rewards program offering discounts on physical goods is generally benign, it’s important to remember that it’s tied to an insurance policy.

The primary ethical consideration remains the nature of the insurance contract itself.

However, for those who choose to engage with conventional insurance, a value-added program like this is a practical perk. Destinology.co.uk Reviews

Yellowjersey.co.uk’s Focus on Cycling Disciplines

Yellowjersey.co.uk explicitly showcases its ability to cover a wide array of cycling disciplines, positioning itself as a comprehensive insurer for various types of riders.

This breadth of coverage is a key selling point for a specialized insurer like them, as standard policies often fall short in these niche areas.

• Comprehensive Discipline Coverage:
  • The website clearly states, “Our Pedal Cycle Insurance covers all cycling disciplines.” This is a significant claim, as different cycling types involve varying risks and equipment.
• Specific Disciplines Highlighted for Bicycle Insurance:
  • Triathlon Bike Insurance: Recognizes the specific needs of triathletes, who often have high-value bikes and participate in events with unique risk profiles.
  • Mountain Bike Insurance: Addresses the risks associated with off-road riding, including crash damage on rugged terrain.
  • Electric Bike Insurance E-Bike: Acknowledges the growing popularity of e-bikes and their specific value and usage patterns.
  • Road Bike Insurance: Covers the most common type of cycling, focusing on road-specific risks.
  • Track Cycling Insurance: Caters to those involved in velodrome racing, which has its own set of equipment and event-related risks.
  • Cyclocross Bike Insurance: Addresses the unique demands of cyclocross, which combines road, off-road, and often challenging conditions.
  • Cargo Bike Insurance: Recognizes the specific utility and potential value of cargo bikes, often used for family transport or business.
  • Bicycle Courier Insurance: A crucial and specialized area, as couriers face higher exposure to risk due to continuous road use and often operate under tight schedules.
  • E-Scooter Insurance: While not a bicycle, the inclusion of e-scooters shows an expansion into personal mobility devices often associated with cycling culture.
• Specific Disciplines Highlighted for Cycle Travel Insurance:
  • Their travel insurance is designed to cover “medical mishaps while taking part in all types of cycling overseas, be it for racing or leisure.”
  • Mountain Bike Travel Insurance: Explicitly mentions coverage for “mountain rescue while downhill mountain biking.”
  • Ironman Travel Insurance: Tailored for extreme endurance events like Ironman triathlons, covering “emergency medical while competing.”
  • Other Inclusions: Covers cyclocross, sportive riding, criterium, BMX racing, leisure riding, and electric bicycle use on holiday.
• Benefits of Specialized Discipline Coverage:
  • Tailored Risk Assessment: By understanding the specific risks associated with each discipline, Yellowjersey.co.uk can ostensibly offer more accurate and relevant coverage.
  • Reduced Gaps in Cover: Unlike general insurers, they aim to fill the gaps that might leave cyclists unprotected during their specific activities.
  • Expert Claims Handling: As mentioned previously, their in-house claims team is likely more familiar with the nuances of incidents related to these diverse cycling types.
  • Clarity for Customers: By explicitly listing disciplines, they make it easier for customers to identify if their specific cycling activity is covered, reducing ambiguity.

This into various cycling disciplines showcases Yellowjersey.co.uk’s attempt to be a comprehensive, one-stop solution for cyclists’ insurance needs.

For individuals engaged in multiple or specialized forms of cycling, this focus can be appealing from a practical standpoint, assuming the underlying ethical concerns regarding conventional insurance models are addressed by the individual.

Frequently Asked Questions

What kind of insurance does Yellowjersey.co.uk offer?

Yellowjersey.co.uk primarily offers specialist bicycle insurance, cycle travel insurance, and health insurance, all tailored with cyclists in mind. Cathedralproducts.co.uk Reviews

Does Yellowjersey.co.uk cover crash damage?

Yes, Yellowjersey.co.uk’s bicycle insurance policies, across all three tiers Essentials, Performance, Ultimate, include coverage for crash damage.

Is racing covered by Yellowjersey.co.uk bicycle insurance?

Racing e.g., Crits, Triathlon, MTB, CX is covered under the “Ultimate” tier of their bicycle insurance.

It is not covered in the “Essentials” or “Performance” packages.

Does Yellowjersey.co.uk offer worldwide coverage for my bicycle?

Yes, the “Ultimate” tier of their bicycle insurance offers worldwide coverage for your bike for up to 120 days.

The “Performance” tier covers your bike in Europe for up to 30 days. Stepahead-tutoring.com Reviews

What is the maximum value bike Yellowjersey.co.uk will insure?

Yellowjersey.co.uk’s bicycle insurance has a single bike limit of £15,000 and a maximum policy value of £50,000 across all tiers.

Does Yellowjersey.co.uk offer a multi-bike discount?

Yes, Yellowjersey.co.uk offers a significant 60% multi-bike insurance discount for every bike added after the most expensive one on a single policy.

Do premiums increase after making a claim with Yellowjersey.co.uk?

No, Yellowjersey.co.uk states that they do not charge extra at renewal even if you’ve made a claim on your bicycle insurance policy.

Is there a renewal discount for Yellowjersey.co.uk policies?

Yes, Yellowjersey.co.uk applies a 25% renewal discount to your premium when you renew your bicycle insurance policy.

What is DNA+ security marking and does Yellowjersey.co.uk provide it?

DNA+ security marking is a kit that makes stolen bicycles traceable. Fleetprices.co.uk Reviews

Yellowjersey.co.uk provides one free DNA+ kit worth £36 to new annual bicycle insurance customers with their policy.

Does Yellowjersey.co.uk’s cycle travel insurance cover my bicycle?

No, Yellowjersey.co.uk’s cycle travel insurance primarily covers medical expenses abroad and trip cancellation, but it specifically states that it “won’t cover your bicycle.”

What does Yellowjersey.co.uk’s health insurance cover?

Their health insurance covers you if you fall ill in the UK, providing options for treatment locations and schedules compared to the NHS, including faster, more convenient access.

What is the excess for Yellowjersey.co.uk bicycle insurance claims?

The excess across all bicycle insurance tiers is 10% of the claim value, capped at £100.

Does Yellowjersey.co.uk cover theft from a vehicle?

Yes, theft from a vehicle is covered across all three tiers of Yellowjersey.co.uk’s bicycle insurance. Rentola.com.au Reviews

Is public liability included in Yellowjersey.co.uk bicycle insurance?

Yes, all three bicycle insurance tiers include public liability coverage up to £2,000,000 for listed bikes.

Performance and Ultimate tiers also cover the named policyholder for public liability while riding any bicycle e.g., a holiday hire bike.

Does Yellowjersey.co.uk depreciate bicycle value over time?

No, Yellowjersey.co.uk states they do not depreciate bicycle value, meaning the price you paid is the value they will cover your bike for, regardless of how long you’ve owned it.

What medical benefits are included in Yellowjersey.co.uk’s cycle insurance packages?

All cycle insurance packages cover physio, dental, and permanent injury, with varying limits depending on the tier e.g., £250-£750 for physio/dental.

Does Yellowjersey.co.uk cover Electric Bikes?

Yes, Yellowjersey.co.uk offers specific insurance for Electric Bikes E-Bike Insurance as one of the disciplines they cover. Swikly.com Reviews

How do I get a quote from Yellowjersey.co.uk?

You can get a quote directly from their website by clicking on the “Get quote” buttons provided for each insurance type Bicycle, Cycle Travel, Health.

Is Yellowjersey.co.uk affiliated with any cycling organizations?

Yes, Yellowjersey.co.uk is stated as the official supplier to the British Triathlon Federation, Ride London, and Cycling UK.

What are Yellow Jersey Rewards?

Yellow Jersey Rewards is a program offering market-leading discounts e.g., 40% off Garmin on cycling gear, apparel, and accessories to Yellowjersey.co.uk customers.

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