Cycle Shop Business Insurance Quotes 

Are you looking for insurance for your Cycle Shop?  
Trying to find an insurance policy that covers your business and interests correctly can be a daunting task. We provide insurance from a wide range of industry specialists and tailor them to your specific requirements. 
We can help you find a policy with the covers you require.  
Our dedicated and qualified staff take the time to get to know you and your business to try and find the best cover from the most reputable insurers and in most cases can offer a site visit to take your information and in addition to this we can offer health and safety advice and risk management information. 
We remain your sole contact throughout the term of your contract and we are actively involved in dealing with and resolving complaints before they lead to claims against you as well as always being on hand to assist with any mid term adjustments and changes you may need to make as and when they occur. 
Town & Country are a national brokerage remaining local in our working practices. Our aim is to understand our clients insurance requirements taking into account the needs of the sector and we take the time to listen to you and deliver the right cover at the right price. 
For a free no obligation quote simply provide your contact details below or give us a call now on (01769) 572557 and talk to one of our specialist advisers. 
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Insurance Quote Details 

Cycle Shop Insurance Information 

Specialist Cycle Shop Insurance Cover 
When insuring your cycle shop there is much to consider. Like all businesses if you have employees you are required by law to get Employers Liability, other than that most insurance is there to protect you, and make sure that you can consider trading even after a disruption. 
Your business insurance policy will include policies to suit your business requirements, this is how we are able to provide you with better rates as we do not automatically assume that all or nothing applies to your business. We make sure we take the details on all of your associated risks so our cover will have the best policy wording and the cheapest market rates. 
Package Covers Include: 
The Buildings & Contents of the Premises 
Your contents (and if selected buildings) are insured against loss or damage caused by a standard range of insured risks normally associated with your trade including Accidental Damage. In addition cover is automatically extended to include: 
Damage to Underground Services 
Trace and Access costs 
Removal of Debris costs 
Architect and Surveyors Fees 
Automatic Reinstatement of Sums Insured 
Money and Personal Accident (Assault) 
Covers your business money In transit, on premises during business hours, 
or in a bank night safe 
In the business premises when closed for business or in the private dwelling 
Personal accident (assault) 
Death, Loss of Limb(s), Loss of Eye(s), Permanent Total Disablement £10,000 
Total uninterrupted Disablement (up to 104 weeks) £100 per week 
Glass Breakage 
Damage to fixed glass and fixed items of sanitaryware 
Goods In Transit (OPTIONAL) 
If you have selected this option your needs are those of a retail business that delivers or collects goods and requires cover on those goods whilst in the course of transit 
Business Liability 
The following will automatically be included: 
Employers Liability £10m 
Public/Products Liability £2m 
Legal costs and expenses 
Business Interruption 
Loss of Gross Profit following loss or damage by an insured peril 
Cover is extended to provide cover in respect of: 
Prevention of Access 
Specified Diseases, Murder, Suicide, Poisoning, Vermin or Pests, 
Defective Sanitation 
Damage at Suppliers premises 
Failure of Public Supply of Electricity Gas or Water 
Failure of Telecommunications 
Equipment Breakdown 
The policy can be extended to cover damage and any subsequent loss of income caused by Breakdown to equipment or machinery (including computers and refrigeration equipment) up to the limits shown in the policy: 
Commercial Legal Protection 
Employment Disputes & Employment Compensation Awards 
Legal Defence 
Contract Disputes 
Property Protection 
Bodily Injury 
Debt Recovery 
Tax Protection 
Bespoke Cover 
Our policy is a flexible retailers and you can elect to amend your sums insured and covers as you work your way through the quote engine so you derive a tailored and suited quotation. 
Normally, you will have to pay a contribution towards the cost of any claim (this is known as the excess). These excesses will vary according to the covers you have selected and/or our assessment of your risk. Your Policy Schedule will show the specific excesses applicable to your cover. 
Amongst other Exclusions as standard your policy excludes most Terrorism cover. You are able to purchase additional cover from us to include some aspects of this risk if required. 
Correct values at risk must be advised to us. If the sums insured you request are not adequate this may result in the amount that your insurers pay to you in the event of a claim being reduced. 
Your policy will be issued on the basis that you confirm the minimum standards of security apply to your premises. 
Unique Covers 
As well as providing all the features you would expect from a general shop insurance policy, we also offer additional cover as standard relevant to cycle shops. 
Cover for Service Indemnity, Road Testing, Demonstration by Customers, Demonstration Cover, Cycle Hire, Seasonal Stock Increases, Demonstration Days and Exhibitions. 
Town & Country works with many insurers, we have excellent working relationships with all our markets and can achieve rates and cover levels our colleagues in the industry find it difficult to replicate. 
We would welcome the opportunity to provide you with an insurance quotation when required, we are confident that you will be happy with the level of service as well as the cover and premiums that become available to you. 
Past Claim Illustrations 
A WOMAN has sued Halfords after her bike jammed, causing her to veer into a car 24 hours after it was checked by a mechanic in York. 
Kath Percival, 49, was cycling from York to her home in Preston when the faulty gear mechanism jammed and she was thrown from her bike, which she said left her in pain for four months. 
Halfords in Preston had given the £1,200 bike a full service days before Mrs Percival set off to York, but when she noticed problems on the journey she took it to the Foss Islands branch, which worked on the bike and again gave it the all-clear. The chain has accepted liability for the incident and has apologised to Mrs Percival. 
Mrs Percival said: “I was left very shaken, especially as the accident took place near a busy roundabout. I love long-distance cycling and tend to clock up around 10,000 miles a year and, although I’ve always been a careful cyclist, my confidence has really taken a knock since the accident. While cycling to York I noticed several problems with the gear mechanism so I visited the York branch of Halfords on Foss Islands Road and asked them to take a second look. The mechanic made some adjustments and assured me that my bike was now fine." 
An independent investigation found there were a number of flaws with the bicycle, including some incorrect adjustments and worn parts, which should have been spotted by a mechanic. 
Kath’s solicitor, Paul Macbeth, of Russell Jones & Walker said: “Kath’s an experienced cyclist so despite just having her bike serviced, she recognised there was something wrong with it and rightly asked a professional to take a look at it. Remarkably, Halfords still failed to spot the problem and it’s only down to good fortune that her accident wasn’t a lot worse.” 
A financial claim for the incident is under negotiation, a spokesman for the solicitors said. 
A spokesman for Halfords said: “Our sincere apologies to Mrs Percival. On this occasion we let her down. We have taken steps to learn from this isolated incident and wish Mrs Percival well.” 
Fox Racing Shox 
A mountain biker paralysed in a crash in the Brecon Beacons, five years ago is taking suspension fork manufacturer, Fox Racing Shox, to court. 
Russell Pinder is seeking damages for negligence from the firm, which is based in Watsonville, California. The 44-year-old building engineer from Oxfordshire claims a defect in the design of his Fox Float 100R forks led to him sustaining spinal cord injuries which left him permanently paralysed from the chest down. He was riding on the Gap descent in the Brecon Beacons in March 2003 when he crashed and had to be airlifted to hospital. 
It is Mr Pinder's case that when the Fox Float 100R forks are combined with certain disc brakes and a quick-release wheel, repeated braking can result in the wheel becoming loose and falling out of the dropouts. 
Mr Pinder is bringing the claim under the Consumer Protection Act 1987. He is represented by Warren Collins of international law firm Davies Arnold Cooper. 
General Definition of Liability 
Anyone (B) providing a services for consideration (i.e. normally money) to a person (A) has the following obligations under the general laws of negligence. 
For any claim to succeed, (A) must show: 
1. A duty of care owed to him by (B) 
2. That (B) breached that duty of care 
(i.e. did something or failed to do something) 
3. Damage caused by whatever (B) did in breach of the duty of care 
4. That the damage was a reasonably foreseeable consequence of (B)'s breach 
of duty 
If (A) cannot prove each of duty, breach, causation and damage, he loses his claim. 
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Frequently Asked Questions 

Read some our our most frequently asked questions about our insurance policies. 
Our policies are designed to cover the risks you face whilst trading, protecting assets such as buildings and content on an 'all risks' basis, we can extend to cover non-standard risks as well as traditional or standard properties, the policy extends to include protecting your trading income following such losses as well as your liabilities to members of the public or of course those you are liable for as an employer. 
Options exist to prepay the year, at inception of cover or to spread the costs over a number of monthly instalments, subject to a small surchage madevia the renowned insurance financer Clos Bros Premium Finance who assist our clients fund the monthly direct debit facilities. 
When considering claiming our first suggestion is always to speak with us, discuss the circumstance of the loss and we can then assist you in preseting the loss fully to the underwriters, so it can be administered and settled as quickly as possible, if the loss is substantial we will negoiate the attendance of a loss adjuster to work through the claim with you and get you speedily reinstated, if the loss is a liability one (public or employers) we would urge you to speak with us as quickly as possible post incident or on notification as early collection of data is key to any defence or explanation 
Why Town & Country? Well we like to think thats a pretty simple answer, we believe we are the best, the best in extracting the right information and working with you at the outset so the policies are correctly and competitively underwritten, then the same staff member handles your case building a rapprt and relationship with you dealing with any amendments you might need and handling any claims and before taking updated iinformation to secure appropriate renewal terms. Ours is a crade to grave all encompassing solution to your businesses insurance requirements, we act like one of your own staff or team members and pride ourselves on a service that has kept us doing just what we are doing for over 80 years 
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