🔐 How Does BackPedal’s Recovery Service Work Alongside Insurance?

🏠 Home Insurance vs Specialist vs BackPedal

Home insurance

• Often requires itemising your bike on the policy.

• Doesn’t cover many high-value bikes.

• Payouts can be slow and subject to a mountain of small print.

• No recovery assistance—just replacement (if approved).

Specialist bike insurance

• More tailored to bikes but usually doesn’t include tracker support.

• Still requires the bike to be declared stolen and written off before a claim is processed.

• You’re on your own for recovering it.

BackPedal (Recovery + Insurance)

• Step 1: We try to get your bike back. We have a team of trained agents (often ex-police) who physically go out and retrieve stolen bikes.

• Step 2: If we can’t recover it, you’re insured. You’ll receive compensation via our specialist policy underwritten by Red Sands Insurance.

In short: BackPedal gives you a chance before to get your bike back before going down the replacement route.

🧠 Why Do You Need Both Recovery and Insurance?

Because even with the best tracker and security setup, some bikes won’t come back. 

And, although it’s rare, some recovered bikes come back damaged and need repairing.

Here’s what each part covers:

BackPedal’s dual approach means you’re protected before, during and after a theft.

💸 Is There a Discount for the Insurance?

Yes—significant discounts.

Because you’re using our recovery service and our trackers (which reduce claim risk), we’re able to offer insurance at a substantially lower rate than if you bought it independently.

Even better: it’s already bundled into many of our plans. You don’t have to shop around or manage two different subscriptions.

💬 For custom needs (like fleets or high-value bikes), we can tailor a quote.

🏢 Who Is Your Insurer?

All BackPedal policies are underwritten by Red Sands Insurance Company (Europe) Limited, a UK-licensed and regulated insurer. The insurance is provided by Sundays Insurance, a trusted cycle insurance specialist, and administered by Gator Bikesure Ltd.

Your cover is compliant with UK regulations, backed by the Financial Services Compensation Scheme, and administered right here in the UK.

📋 What Are the Key Recovery Terms?

• Coverage starts the moment your BackPedal subscription goes live and your tracker is active.

• Our team will:

  • Handle the police report and obtain the crime reference number.

  • Dispatch trained recovery agents to physically search for the bike.

  • Keep you updated throughout the process.

• Recovery rate: 80–85% within 72 hours.

• If recovery fails after reasonable effort—we move to the insurance stage.

⏱️ Recovery only works if you report quickly—ideally within 48 hours.

📄 What Are the Key Insurance Terms?

Some key things to know from the policy:

• You must use an Approved Lock (Sold Secure rated—Silver for bikes < £1,000, Gold for bikes > £1,000).

• The tracker must be covertly installed and active at the time of theft.

• Locking rules matter—you must lock the bike to an immovable object.

• You’ll need to show:

  • Tracker was charged and installed

  • Lock was properly used

  • Crime reference number

  • Proof of purchase or ownership

Payouts are made on a new-for-old basis for new bikes, or market value/depreciated value for older ones.

🧾 Summary Table

Still unsure? Chat with our team or visit our insurance page for more details. We’re here to make sure you're protected from all angles—without the fine-print headaches.