Useless - do not get this insurance. My bike was stolen from me whilst I was having dinner and had the bike by my side. Claim was rejected as their definition of theft has to involve some sort of violence and entry and exiting - basically a wording issue. Claim rejected immediately. Made formal complaint and will go to Ombudsman. Guy I spoke to was extremely rude and patronising and was sounded as if he was questioning the bike had been stolen - saying things like I do not understand how that happened? Insurance cover that offers no cover.

Avoid at all costs! After failing to pay out for my stolen bike I was told that my payments would be cancelled and the account closed. Three weeks later and the monthly charge went out of my bank account (even though I no longer had a bike to insure!). I was then told that the account had not been closed and I in fact owe the company a £10 cancellation fee too! Understandably I was not impressed given that I had been told the account was cancelled and no further payments would be taken. The company finally said they will reimburse the money but over THREE MONTHS later I am still waiting! Overall this company is incredibly untrustworthy and I would avoid if possible.

I had no problems with cycle guard myself. I originally took out the insurance on a new purchase of a £250 bike to replace one I had stolen just before for peace of mind. Sadly8 months later my bike was stolen once again! I called cycle guard who sent out the claim form via email. At first I was nervous if they would payout due to lots of negative reviews found online, however I had a reply within a week and a voucher for a bike store of my choosing (Halfords) within 3 days. Not a bad turn around for any insurance company! Glad I took the insurance out now and happy I did so with Cycleguard!

I had my bike stolen in August 2011. I used a Gold Tatcham approved lock, golden series from Oxford. I was required for value of my bike to use with silver or better rating lock. On the day Police investigated the scene and wrote a report. My whole bike was stolen, not just parts. I reported to Cycleguard within time limit. So...I was convinced that all conditions were met. Unfortunately I was wrong. They refused my claim on the basis that the lock was not approved by LOCK Secure. So I lost the case. Whatever you do, you always will lose. Spend money on the better lock, DO NOT USE CYCLEGUARD. Their policy has so many restrictions, that getting back the money back from them is highly unlikely.

Extremely inefficient claims service. It's been over a month since I claimed and I'm still waiting for them to pay out.

A month is far too long for anybody who relies on a bicycle for transport to be bicycle-less.

When your claim is successful they will only issue you with a voucher for Evans Cycles.

I would suggest to anybody considering cycle insurance to choose another company.

Unless your lock is destroyed, you're outta luck with cycleguard!!

I had a Brompton, I locked it to a railing. I came back, and it was gone. but the lock was there. I claimed, but since there was no damage to the lock, I was denied. A waste of 1 year of payments.

Before paying up - consider the value of your bike and ALL the exceptions in their policy. These things are generally not worth the money - mine was an emotional purchase to protect my shiny new bike. I should've thought it through.

I had the brakes stolen from my bike. Cycle Guard have a clause that states removable parts are not insured. This means that any item that is not the frame can be taken from you bike and you're not able to make a claim.

AVOID THIS INSURANCE COMPANY, COMPLETE WASTE OF TIME AND MONEY!!!!

1. Although my claim was accepted 15th April, it is now 5th May and my last phone call with JLT claims department was the same as the previous 2 weeks which was: "your cheque just needs a signature and then it will be in the post". It seems they just don't want to pay out.

I have been told by the claims manager that he will call me tomorrow morning to confirm that the cheque has been sent.

2. They lost my paper work when I first submitted my claim in early March and told me to send it through again! Then, just as I was about to post my 2nd attempt, I got an email confirming they had received my claim.

3. Their T&Cs state a claim can take up to 10 working days to review. I called up on the 11th day and they said, "oh yes, it seems your claim has been accepted". Great, thanks for telling me!

Of course, I am happy that the claim was accepted with no questioning by Cycleguard/JLT, but the level of service is pretty low and I have waited so long/fielded many excuses for my cheque arrival I am very tempted to go elsewhere. This moan/loss of a customer could have easily been avoided.