Yellow Jersey Cycle Insurance Avis 

During winter riding my Brompton Electric smacked a pothole and I came off. Got a quote for repairs from a bike mechanic.

I'd never made an insurance claim before so wasn't sure about time frames or info requirements but yellow jersey's emails were quite simple to understand.

I provided receipt for the bike, proof of identity and address. Before photos and after showing damage, also a video of how warped the front wheel had become and the mechanics quote and feedback. This info was gradually provided on a Monday to the very helpful Kien Dang Cert CII and by Friday the claim had been approved and hopefully in my account by next week. So I can now greenlight the mechanic to start work.

A week turn around time to claim approval is better than I'd expected. The experience has also been a learning curve, make sure you have receipts for the stuff you want to claim and figuring out what "Total Excess" means. Also make sure that an item is "part of the bike" or an accessory when insuring. For example a shiny new saddle is added to the bike value and not an accessory.

Kien was also knowledgeable about additional queries and very helpful. Well Done Kien and Yellow Jersey!

I was in an accident, and Jonathan was so receptive and empathetic to my situation and injuries. He made the process of filing a claim and getting coverage for my helmet damage so seamless and easy, which is something that was so appreciated after a traumatic accident. I honestly didn’t have much expectation going into this because of the size of Rapha, but I was so incredibly impressed and pleasantly surprised. The experience was so personal, and I felt that I was treated like an actual human being, when cyclists are so often dehumanized. I have nothing but high recommendations and praise.

Flawless experience, had a fall which damaged one of my bike accessories. I made a claim and they very quickly agreed to pay for the damaged item with no issues.

I’m glad I took out this insurance as I believe they will be just as good should anything else happen to my bike.

Shout out to Kien for amazing service sorting out a big claim on my cannondale amazingly helpful and great quick replies and service

The team at Yellow Jersey were fantastic. The claims process was transparent, straightforward and fair. Would 100% recommend and not your usual insurance company. Thanks again Robbie, appreciate all your help!

On 23/10/2022 a day after receiving new bicycle I was attacked. I had another bike thrown in front of mine, I went over the bars landed on my head (the helmet definitely saved my life or had something to do with me being able to write this review!) onto my shoulder and then smashing my hip before they threatened me with a zombie knife. I was taken to hospital on a stretcher where I spent a day being monitored including x-rays and scans.

Since the incident I had obviously been both physically and mentally impacted. Yellow Jersey has not made this any easier! Granted the incident happened a day after I got the bike and therefore a day after I took the insurance policy (which I paid in full at inception), so I can see why eyebrows could have been raised BUT from day dot I provided them with everything I had, receipts, ID, images, communications with the police, a crime reference number and my victim statement. They came back and requested a screenshot of where the incident happened which i sent alongside some pretty telling images of my injuries. I was then asked "Just to confirm, was the helmet also stolen along with the bicycle? I assumed you would have been wearing the helmet at the time of the incident".... pretty dumb question (why would they rip a broken helmet of of my head, I'd say it was obvious my claim for my helmet was due to damage and not theft. Then got told it would be passed to a manger for review "Due to the value of my bike and nature of theft". I was then asked "Can you provide me with a screenshot of your phone log to show your call to the police on the day of the incident" and "Was the bicycle previously insured with any other another insurers?" and "I note on some of the documents you had provided there is an alternative address, would this happen to be your previous address?" All seemingly genuine questions but also seemingly trying to get a reason not to pay (as all insurers do). Firstly, screenshot of my phone log? What will this prove that my crime reference and victim statement already wouldn't have, they obviously don't follow up on this when you provide it. (plus screenshot of a call log is questionable really but that's an argument for another day). Secondly, was the bike previously insured with anyone else.... which it hadn't but why does that matter? And thirdly, the address question... it was an old address that Ribble simply didn't update on their system, a part of me gets why it was asked but then I'd also question the fact would I not have had verification checks done prior to the policy. either way all these questions seemed irrelevant seeing as they all go back to everything that i had supplied from day one and was just delaying the process.

I could go on and on about this, and I'll probably get a back and forward reply which I haven't got the energy for. But i just don't feel very well treated, don't feel very empathised with after what has been such a traumatic experience. If anyone from the real world, including both of my cycling clubs looked at this case from my first email it's a clear open and shut case had the crime reference and police details actually been used but no almost 3 weeks later and the case drags on. Bear in mind every time they ask a question and you reply it extends the wait by 2 more days due to their SLA (a couple of occasions I have received a quicker reply but still not great in my opinion).

UPDATE TO REPLY: "Whenever a theft claim is submitted, we have a duty to carry out multiple due diligence checks to ensure the validity of a claim" & “In the instance of a bicycle theft, our insurers will require us to ensure that all formal checks are carried out. This would include basic request of a screenshot of a call you made to the police. In addition to this, asking to see if you have any other insurance policies in force or previous insurance policies is standard practice” These comments make my complaint and dissatisfaction even more significant and shows you don’t really understand the issue of my dissatisfaction............. If these are “standard” practices/questions just ask it all up front! You knew from day one all the information of what happened to me, so you should be prepared with EVERYTHING required from day one...not ask one thing get and immediate reply from me and then ask another question with ANOTHER 2 day wait according to your SLA. Just ask for all the information upfront instead of asking for it in drips and drabs and leaving me waiting days at a time just to be given yet another request/question, all of which as you say are standard and therefore should just me asked right away. The lead time cold have been greatly reduced if this had happened!

In all fairness, when I dealt with the company for claims they were rather good.

HOWEVER, cyclists need to be aware that they have the "three-three" rules which is designed to catch you out as it's not written anywhere! Basically if you have THREE claims in THREE years, you are UNTOUCHABLE!!

So best save the claims for the really bad ones and hope you don't get killed beforehand.

very poor experience with this insurer. had my e-bike stolen shortly after I’ve purchased their Ultimate policy whilst doing deliveries. ridiculously high price by the way, but you must get their top of the range policy as a courier

then they’ve rejected the claim because.. and I cannot emphasise this enough, they “BELIEVED” the bike was not properly secured as everything happened very fast. to me that sounds they’ve made a decision based solely on an assumption just to avoid paying the claim, despite securing the bike as per their terms. Perhaps they’ve used as leverage the fact that I’m a courier rider and knew it’s quite likely I’m not gonna be affording taking them to court. so if you’re having a similar incident without any CCTV footage (the police did not rush to investigate and did not check any CCTV from the area) or if you’re not getting physically assaulted, probably they’ll skip paying any theft claim

they didn’t even bother to contact the police or at least this is what I’ve been told by the officer investigating the case. they were keep asking me about a crime report, but the police categorically refused to provide me with any sort of official report (I live in Scotland and apparently here the police is not making any reports available to the public) and kept suggesting to advise the insurer to contact them through their own channels using the case reference number provided

long story short, the bike has been found by mistake at an address in Aberdeen by the police who executed a warrant for a completely different reason there after 3 months. the bike have been pretty thrashed, but after changing some parts I managed to get it into an acceptable working order. happy ending, but horrible and super stressful experience with this insurer given the high value of the bike

maybe they are better at paying a claim if you’re crashing, ‘cause they won’t be able to avoid that. for me was a complete waste of energy and money

PLEASE READ.. I have to do an update with my experience with yellow jersey. It was very difficult trying to get the picture details needed for my claim to go through and I had exhausted every avenue and it seemed we had hit a brick wall . However once the claim was passed over to the complaints department I was pleasantly surprised in how helpful they were . I was even offered a face to face service to resolve my issue which I feel is very kind as that is against their policy as a rule . Once they had seen the appropriate picture I had confirmation that all was ok. Just wanted to say now on reflection and not so emotional from the whole experience . Thanks to Hugh especially!.

It has been impossible for me to participate in IM Finland due to a broken collarbone and symptom's from COVID-19.
And this has been handled so GREAT from Yellow Jersey

Good communication throughout, my claim was quickly settled.

An entirely positive experience: the insurance agent was extremely helpful and thorough, suggested some additional checks for damage, and approved the claim quickly in full.

Really great company, very easy to deal with and very understanding. I’ve had a few claims now over the last 5-6 years and there’s never been a single issue. Would highly recommend to anyone.

I can only give one star and tell everyone to avoid Yellow Jersey. The claims experience is good, quick, friendly and understanding - but that's where it ends. If you have an expensive bike and you're insuring in case of potential repairs after a crash... don't do it. Yellow Jersey and its partner, Target Composites, will leave you without your bike for weeks and months, and when you finally get it back, it'll be damaged and in a worse state than it went in for repairs in! Our crash happened on the 8th July, with bikes collected by Target on 22nd July, and we've only had one bike back so far - and it's not in a condition to ride.

We claimed for a carbon damage inspection and potential repairs for two bikes worth £6k+ each. One bike was sent back by Target Composites a few days ago, after a few weeks since being sent in. We were horrified when we received it. The handlebars were protruding through the box. The box was battered. The handlebars were now scratched - including the new parts. Di2 cabling all done wrong with weird junction box outside of the frame when it used to be wired inside. New disc - bent and damaged. The brake calipers were entirely loose. Bits of the paintwork were scratched on e.g. the wheels. The wheel which was untrue post crash had not even been trued! Brakes had not been bled. Parts missing. The list goes on.

When sending in the bike, you get all these instructions on how to pack your bike safely, which we absolutely followed and even bought lots of padding and tube covers to cushion every single tube on the frame. Somehow all this packaging also went missing and Target sent the bike back with minimal packaging beyond the box. Why send the allegedly repaired bike back in someone else's box with no padding?

We immediately let both Yellow Jersey and Target (a guy called Phil) know about how the bike came back. It was claimed that the bike had been quality-controlled. Sure. How can you sign off a bike with loose brake calipers? What if I had trusted you and got on the bike with faulty brakes? When looking at the quality-control sheet within the box, funnily enough it was signed of as a "pass" by A. Pedersen but one section of the boxes was completely unchecked so guess the quality control didn't actually happen in full. I feel Target have a big contract in their hands with Yellow Jersey and as a result they're coming up with all sorts of random things to replace on bikes (including both our handlebars and various other bits) in order to make more money, and have probably hired incompetent people when expanding. That's how the quality of work comes across here.

There has been no offer of resolution. No timelines. We've gone into the bank holiday weekend without any idea what will be done and when. Yellow Jersey ignored our email on Friday. Feels like they've washed their hands and are deferring to Target on the resolution, which isn't quite right, as my contract is with Yellow Jersey. My Specialized Venge is still with Target and I'm so worried about it coming back ruined like my partner's bike. 😔 I have asked Yellow Jersey to cancel the insurance renewal I made a few days ago before getting the first bike back.

Super speedy and comprehensively professional, they handled my claim with ease.

Massive thanks to Sean who was great in helping me with my claim. He was so efficient and kept me updated throughout the whole process!

Took out the race fee insurance for an Outlaw Triathlon event ( don't usually) had to cancel due to training injury. Re imbursement of £201 from basic race only fee of £215. Just be aware of the requirements to submit a claim (read terms/conditions) Doctors letter (even though done over the phone!!) To agree with my diagnosis! And write a letter to say so! (£20) I know it's one of yellow jackets requirements, but a bit pointless being as nobody actually saw me. Not there is anything to see with Achilles/calf strain! without having an ultrasound or MRI. which would have negated the money reclaimed totally plus a bit more! But on the whole I'm glad I took out the policy and the claiming process was pretty simple and handled in a friendly manner.

Honestly…

I couldn’t expect better service from an insurance company. Until I got my bike back from repair 🤦🏻‍♂️

My bike had the carbon frame severely damaged in an accident. I expected to receive full compensation to buy a new bike, but I was surprisingly happy with the option to get a brand new frame assembled with my bike parts, as they were not affected. After all, I had a good pair of wheels, so I accepted the repair.

Everything from the accident to the day my bike arrived back from repair was amazing and I was holding to write this review until getting my bike back on the road.

The company (Target Composites) that assembled the new frame to my bike parts did a terrible job. They didn’t route the cables through the stem and handlebar as it was previously done. Since I complained about this, its been 2 weeks waiting for a solution, with my bike packed in the box. The availability given to me for fixing this issue is another 3 weeks away!

I decided to ride my bike in the meantime and just found out that:
- the installation was done very poorly
- gear is not working
- brakes are not aligned
- they scratched my new handlebar! 🤬
- the seatpost was installed all the way down to the frame tube. When I adjusted it to my side, I found that the exposed parts are now scratched too!

I’ve got so many mixed feelings… although I really appreciated YellowJersey’s efforts during this claim, their partner Target Composites did a horrendous job on the maintenance and repair of my bike.

At the end of the day, it’s YellowJersey’s responsibility to give my bike back in perfect conditions as they promised. And that’s not what happened here. 😔

- - - - - - - [ UPDATE ] - - - - - - -

YellowJersey replied below saying that the claim's team is working on it, but they're not. They didn't agree of replacing the handlebar they scratched during service. And now the service to repair the terrible job they did has delayed for more than a week. This is now a month and a half waiting for a solution, and my bike is not working since April. (today is 1st of August).

Borderline scam!

Swiftly and professionally dealt with my claim. I will be using again.