Our cover includes you, your spouse/partner and all your children up to the age of 21 who live with you

Total Cycle Assist has been designed to be fully inclusive for all your immediate family together with all the bicycles (regardless of type or value) owned by your immediate family. Therefore, your TCA membership includes your spouse/partner and all your children up to the age of 21 who live with you (which includes students up to the age of 21 who live away from home temporarily during the course of their studies) and all the cycles owned and ridden by them will be fully covered.

You can inform us about any cycling accident either by phone, email or via our website's contact page, whichever you prefer

Your membership documentation includes all of this information.

Our local cycle repair service

In the event of a cycling accident within the UK that is not your fault (or the fault of your spouse/partner or any of your children up to the age of 21, depending on which member of your immediate family has been involved in the accident) where there is an identifiable third party, your cycle will be repaired by whichever of our Trusted Repairers is closest to where you live and we shall pay for these repairs upon admission of liability by the third party.

Once in the hands of the repairers the damage to your cycle will be assessed and a decision made:

(1) is your cycle repairable? or
(2) is your cycle damaged beyond repair?

If the cycle is repairable, then it will be repaired free of charge and you will not even be required to pay any excess in order for the repairs to be completed. If the cycle is not repairable, then you will be entitled to a brand new cycle on a like-for-like replacement basis.

The cost of the repairs will be recovered by us from the at-fault party’s insurer as an integral part of our service where you (or your spouse/partner or your child up to the age of 21) are not at fault for the accident.

Our replacement cycle service:

In the event of a cycling accident within the UK that is not your fault (or the fault of your spouse/partner or any of your children up to the age of 21, depending on which member of your immediate family has been involved in the accident) where there is an identifiable third party, if your own cycle is damaged beyond repair you will be entitled to a brand new cycle on a like-for-like replacement basis where the new cycle is of the same value as your own and we shall pay for the replacement cycle upon admission of liability by the third party.

We will liaise with the cycle repair technicians and obtain their expert and honest evaluation as to what a brand new cycle that's on a like-for-like equivalent basis to your own would cost. Once we have been told that value we will issue you a voucher in your name for that amount which we will post to your home address. You then need only return to the cycle repair shop where you took your damaged cycle with this voucher and collect the new cycle of your choice.

You may, however, if you choose, use the voucher in part payment towards a more expensive cycle. In other words if the amount stated on the voucher is, say, £800, and you wish to collect a new cycle priced at £1,000 you need only pay £200 in cash yourself and the balance of £800 is satisfied by the voucher.

The cost of the replacement cycle will be recovered by us from the at-fault party's insurer as an integral part of our service and so there is not even an excess for you to pay.

£100,000 legal expenses insurance included with your Total Cycle Assist membership

A policy of family legal expenses insurance is included with your Total Cycle Assist membership, giving you and your immediate family £100,000 cover.

In the event of a cycling accident within the UK that is not your fault (or the fault of your spouse/partner or any of your children up to the age of 21, depending on which member of your immediate family has been involved in the accident) where there is an identifiable third party where you, your spouse/partner or any of your children up to the age of 21 suffer a personal injury as a result of the accident where such personal injury is considered likely to exceed £1,000 in damages, our solicitors will be able to provide you with comprehensive legal support on a conditional fee ('no win no fee') basis, all of which is funded and covered by the legal expenses policy.

Private physiotherapy and rehabilitation treatment:

In the event of a cycling accident that is not your fault and where there is an identified third party, whoever is injured (be it you, your spouse/partner or any of your children up to the age of 21) will be entitled to our private physiotherapy and rehabilitation treatment service.

Based upon your GP's recommendations, backed up by our telephone triage session, you will be referred to one of our private physiotherapist and rehabilitation professionals. This clinic will always be local to where you live to ensure your maximum convenience.

The simplicity and convenience of our complete claim handling and reporting service:

As well as all the valuable services we provide, our straightforward and clear process is designed from start to finish to make your life simple:

• We’ll handle all the communication with the at-fault party’s insurer
• We’ll take care of all the paperwork and administration for you
• We’ll arrange for all the repairs or replacement of your cycle

As a Total Cycle Assist member you don’t have to concern yourself with the usual inconvenience and hassle of the claim process. Everything that needs to be done will be done by people trained to do it while you’re kept fully and regularly informed on progress. In short, one call does it all.

Consent to keep you informed

From time to time it will be necessary for us to email you in order to keep you informed of any upgrades you're entitled to, discounts, special offers, changes to your policy, renewal notification and so on and by clicking the box on our joining page to confirm that you have read and understand these Terms and Conditions you are giving us your consent that we may communicate with you via email in order to keep you informed of these important matters.

Our zero tolerance policy regarding fraud and deception:

We adopt a zero tolerance policy when it comes to fraud. We will not hesitate to press criminal charges and, if appropriate, make a civil claim against you as well for recovery of monies paid out by ourselves and legal costs if we find that you have deliberately mislead us and/or falsified information regarding the circumstances of your accident or any other matter pertinent to the provision of our services to you and/or have in any other material way not acted with the same good faith as we ourselves act in our dealings with you for the purposes of material gain (for example in order to obtain a new replacement cycle that you do not deserve based on the true circumstances).

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