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Review of the Sundays Insurance, Cycle insurance:

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the worst bike insurance company ever

1 star. Do not insure your bicycle with this company. Sundays Insurance is the consumer-facing brand. Red Sands Insurance Company (Europe) Limited is the underwriter. This review applies to both — they operate as one. My bicycle (high value S Works SL8) was stolen from my workplace. I had locked it to a fixed post with an approved lock. I reported it to the police, to my employer, and filed a claim the same day. Red Sands declined the claim. They argued the lock was not engaged at the point of theft — it was, but released through an unexpected chain of events outside my control. They then accused me of dishonesty because I initially named the wrong lock — an honest mistake I corrected immediately. They invoked a fraud exclusion over it. I provided a witness statement, pushed my employer and the police to share CCTV, and gathered every piece of evidence I could. Red Sands used every procedural angle available to avoid paying out. It took eighteen months, a formal complaint, and the Financial Ombudsman issuing a final decision to force Red Sands to accept the claim. The ombudsman rejected both of their grounds for declining — the security condition and the dishonesty allegation — and ordered them to pay out plus compensation. Red Sands objected. The ombudsman dismissed their objections and confirmed the decision unchanged. Eighteen months of correspondence, evidence-gathering, and emotional energy — while working full-time as a doctor — for an insurance company to do the one thing it exists to do. An honest correction about a lock became a fraud allegation. A stolen bicycle became an ordeal. Do not use Sundays Insurance or Red Sands for bicycle insurance. If you cycle and your bike has any value, insure it elsewhere. With anyone else. Happy to provide a reference number from the Financial Ombudsman case. Reviewed on: 15th April 2026

Review of the Laka, Cycle insurance:

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The best cycle insurance company ever

Each claim handled professionally and quickly. They’ve been a life saver in crashes and super supportive in general. Reviewed on: 26th August 2021

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