Bikmo for Business - Retail Quote

1
Your name* This field is required.
First Name
Last Name
2
Your Email address* This field is required.
example@example.com
3
Your Phone number* This field is required.
4
Company name* This field is required.
5
How did you hear about our Bike Shop insurance?
We're an existing partner retailer
Referral from another business
Referral from a customer
Met us at an event
bikebiz advertising
LinkedIn
Direct marketing
Press article
Googled it
6
When is your renewal next due?
Date
Day
Month
Year
7
Business address* This field is required.Please provide your main business address, we will ask you for your store address later (if different) Start typing below to find and edit your address
Street Address
Street Address Line 2
City
County
Post code
Please Select
Please Select
United States
Afghanistan
Albania
Algeria
American Samoa
Andorra
Angola
Anguilla
Antigua and Barbuda
Argentina
Armenia
Aruba
Australia
Austria
Azerbaijan
The Bahamas
Bahrain
Bangladesh
Barbados
Belarus
Belgium
Belize
Benin
Bermuda
Bhutan
Bolivia
Bosnia and Herzegovina
Botswana
Brazil
Brunei
Bulgaria
Burkina Faso
Burundi
Cambodia
Cameroon
Canada
Cape Verde
Cayman Islands
Central African Republic
Chad
Chile
China
Christmas Island
Cocos (Keeling) Islands
Colombia
Comoros
Congo
Cook Islands
Costa Rica
Cote d'Ivoire
Croatia
Cuba
Curacao
Cyprus
Czech Republic
Democratic Republic of the Congo
Denmark
Djibouti
Dominica
Dominican Republic
Ecuador
Egypt
El Salvador
Equatorial Guinea
Eritrea
Estonia
Ethiopia
Falkland Islands
Faroe Islands
Fiji
Finland
France
French Polynesia
Gabon
The Gambia
Georgia
Germany
Ghana
Gibraltar
Greece
Greenland
Grenada
Guadeloupe
Guam
Guatemala
Guernsey
Guinea
Guinea-Bissau
Guyana
Haiti
Honduras
Hong Kong
Hungary
Iceland
India
Indonesia
Iran
Iraq
Ireland
Israel
Italy
Jamaica
Japan
Jersey
Jordan
Kazakhstan
Kenya
Kiribati
North Korea
South Korea
Kosovo
Kuwait
Kyrgyzstan
Laos
Latvia
Lebanon
Lesotho
Liberia
Libya
Liechtenstein
Lithuania
Luxembourg
Macau
Macedonia
Madagascar
Malawi
Malaysia
Maldives
Mali
Malta
Marshall Islands
Martinique
Mauritania
Mauritius
Mayotte
Mexico
Micronesia
Moldova
Monaco
Mongolia
Montenegro
Montserrat
Morocco
Mozambique
Myanmar
Nagorno-Karabakh
Namibia
Nauru
Nepal
Netherlands
Netherlands Antilles
New Caledonia
New Zealand
Nicaragua
Niger
Nigeria
Niue
Norfolk Island
Turkish Republic of Northern Cyprus
Northern Mariana
Norway
Oman
Pakistan
Palau
Palestine
Panama
Papua New Guinea
Paraguay
Peru
Philippines
Pitcairn Islands
Poland
Portugal
Puerto Rico
Qatar
Republic of the Congo
Romania
Russia
Rwanda
Saint Barthelemy
Saint Helena
Saint Kitts and Nevis
Saint Lucia
Saint Martin
Saint Pierre and Miquelon
Saint Vincent and the Grenadines
Samoa
San Marino
Sao Tome and Principe
Saudi Arabia
Senegal
Serbia
Seychelles
Sierra Leone
Singapore
Slovakia
Slovenia
Solomon Islands
Somalia
Somaliland
South Africa
South Ossetia
South Sudan
Spain
Sri Lanka
Sudan
Suriname
Svalbard
eSwatini
Sweden
Switzerland
Syria
Taiwan
Tajikistan
Tanzania
Thailand
Timor-Leste
Togo
Tokelau
Tonga
Transnistria Pridnestrovie
Trinidad and Tobago
Tristan da Cunha
Tunisia
Turkey
Turkmenistan
Turks and Caicos Islands
Tuvalu
Uganda
Ukraine
United Arab Emirates
United Kingdom
Uruguay
Uzbekistan
Vanuatu
Vatican City
Venezuela
Vietnam
British Virgin Islands
Isle of Man
US Virgin Islands
Wallis and Futuna
Western Sahara
Yemen
Zambia
Zimbabwe
Other
Country
8
Is your Main Business address the same as your store address?* This field is required.
YESNO
9
Bike Shop premises address
Street Address
Street Address Line 2
City
County
Post code
Please Select
Please Select
United States
Afghanistan
Albania
Algeria
American Samoa
Andorra
Angola
Anguilla
Antigua and Barbuda
Argentina
Armenia
Aruba
Australia
Austria
Azerbaijan
The Bahamas
Bahrain
Bangladesh
Barbados
Belarus
Belgium
Belize
Benin
Bermuda
Bhutan
Bolivia
Bosnia and Herzegovina
Botswana
Brazil
Brunei
Bulgaria
Burkina Faso
Burundi
Cambodia
Cameroon
Canada
Cape Verde
Cayman Islands
Central African Republic
Chad
Chile
China
Christmas Island
Cocos (Keeling) Islands
Colombia
Comoros
Congo
Cook Islands
Costa Rica
Cote d'Ivoire
Croatia
Cuba
Curacao
Cyprus
Czech Republic
Democratic Republic of the Congo
Denmark
Djibouti
Dominica
Dominican Republic
Ecuador
Egypt
El Salvador
Equatorial Guinea
Eritrea
Estonia
Ethiopia
Falkland Islands
Faroe Islands
Fiji
Finland
France
French Polynesia
Gabon
The Gambia
Georgia
Germany
Ghana
Gibraltar
Greece
Greenland
Grenada
Guadeloupe
Guam
Guatemala
Guernsey
Guinea
Guinea-Bissau
Guyana
Haiti
Honduras
Hong Kong
Hungary
Iceland
India
Indonesia
Iran
Iraq
Ireland
Israel
Italy
Jamaica
Japan
Jersey
Jordan
Kazakhstan
Kenya
Kiribati
North Korea
South Korea
Kosovo
Kuwait
Kyrgyzstan
Laos
Latvia
Lebanon
Lesotho
Liberia
Libya
Liechtenstein
Lithuania
Luxembourg
Macau
Macedonia
Madagascar
Malawi
Malaysia
Maldives
Mali
Malta
Marshall Islands
Martinique
Mauritania
Mauritius
Mayotte
Mexico
Micronesia
Moldova
Monaco
Mongolia
Montenegro
Montserrat
Morocco
Mozambique
Myanmar
Nagorno-Karabakh
Namibia
Nauru
Nepal
Netherlands
Netherlands Antilles
New Caledonia
New Zealand
Nicaragua
Niger
Nigeria
Niue
Norfolk Island
Turkish Republic of Northern Cyprus
Northern Mariana
Norway
Oman
Pakistan
Palau
Palestine
Panama
Papua New Guinea
Paraguay
Peru
Philippines
Pitcairn Islands
Poland
Portugal
Puerto Rico
Qatar
Republic of the Congo
Romania
Russia
Rwanda
Saint Barthelemy
Saint Helena
Saint Kitts and Nevis
Saint Lucia
Saint Martin
Saint Pierre and Miquelon
Saint Vincent and the Grenadines
Samoa
San Marino
Sao Tome and Principe
Saudi Arabia
Senegal
Serbia
Seychelles
Sierra Leone
Singapore
Slovakia
Slovenia
Solomon Islands
Somalia
Somaliland
South Africa
South Ossetia
South Sudan
Spain
Sri Lanka
Sudan
Suriname
Svalbard
eSwatini
Sweden
Switzerland
Syria
Taiwan
Tajikistan
Tanzania
Thailand
Timor-Leste
Togo
Tokelau
Tonga
Transnistria Pridnestrovie
Trinidad and Tobago
Tristan da Cunha
Tunisia
Turkey
Turkmenistan
Turks and Caicos Islands
Tuvalu
Uganda
Ukraine
United Arab Emirates
United Kingdom
Uruguay
Uzbekistan
Vanuatu
Vatican City
Venezuela
Vietnam
British Virgin Islands
Isle of Man
US Virgin Islands
Wallis and Futuna
Western Sahara
Yemen
Zambia
Zimbabwe
Other
Country
10
Annual Turnover (next 12 months)* This field is required.
11
Number of employees
12
Is your Annual Wageroll below £500,000?* This field is required.The combined total paid each year to all staff members.
YESNO
13
Annual WagerollEnter total amount paid annually in wages. If unsure please estimate.
14
Any losses in the past 5 years (whether insured or not)?* This field is required.
YESNO
15
Please provide details of all losses you have suffered in the previous 5 years.Include dates, circumstances, financial loss suffered, and details of any risk improvements subsequently implemented.
Huge
Large
Normal
Small
Ok
Ok
16
Your quotation will be subject to the following material statements about you being true. Can you confirm these are all true?* This field is required. You are not aware of any potential claim or loss from the dishonesty or malice of any employee. You have not had any insurance or proposal cancelled, withdrawn, declined or made subject to special terms. You have not been declared bankrupt or become insolvent or made any voluntary arrangement with creditors or been subject to enforcement of a judgement of debt either in a personal capacity or as a business. You have not been convicted of or charged with any offence (other than a motoring offence) with has not been spent under the Rehabilitation of Offenders Act 1974.
YESNO
17
Please provide full details of the material circumstances applicable which meant you could not comply with all the previous statements.
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Large
Normal
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Ok
Ok
18
Your Activities: Which of the following services do you offer?* This field is required.Select all the activities that you are involved in, and select Other as well if there's something unusual not already listed.
Traditional Sales & Online Sales
Servicing/Repairs
Hire/Demo
Custom Builds/Design
Bike Fitting
Maintenance Classes
Sports/Fitness Coaching
Travel/Tours Organising
Events/Sportives
Food & Drink/Cafe
19
Your Activities (Sales): What proportion of your annual turnover is generated from Traditional & Online Sales?Please select from the following options.
50% or higher
Between 25-49%
Between 5-24%
Less than 5%
20
Your Activities (Servicing/Repairs): What proportion of your annual turnover is generated from Servicing/Repairs?Please select from the following options.
50% or higher
Between 25-49%
Between 5-24%
Less than 5%
21
Your Activities (Hire/Demo): What proportion of your annual turnover is generated from Hire/Demo?Please select from the following options.
50% or higher
Between 25-49%
Between 5-24%
Less than 5%
22
Your Activities (Hire/Demo): Do you check the customer's proof of identity before they start their bike hire or demo?This may be either a valid passport or a photo driving licence.
YESNO
23
Your Activities (Hire/Demo): Do you retain the customer's credit/debit card for the duration of the hire, or complete pre-authorisation for the cost of damages from the person's credit/debit card?
YESNO
24
Your Activities (Hire/Demo): What extra precautions do you have in place to reduce the risk to your business from your hire and demo activities.
Huge
Large
Normal
Small
Ok
Ok
25
Your Activities (Custom Builds/Design): What proportion of your annual turnover is generated from Custom Builds/Design?Please select from the following options.
50% or higher
Between 25-49%
Between 5-24%
Less than 5%
26
Your Activities (Bike Fitting): What proportion of your annual turnover is generated from Bike Fitting?Please select from the following options.
50% or higher
Between 25-49%
Between 5-24%
Less than 5%
27
Your Activities (Maintenance Classes): What proportion of your annual turnover is generated from Maintenance Classes?Please select from the following options.
50% or higher
Between 25-49%
Between 5-24%
Less than 5%
28
Your Activities (Sports/Fitness Coaching): What proportion of your annual turnover is generated from Sports/Fitness Coaching?Please select from the following options.
50% or higher
Between 25-49%
Between 5-24%
Less than 5%
29
Your Activities (Travel/Tours): What proportion of your annual turnover is generated from the organisation of Travel/Tours?Please select from the following options.
50% or higher
Between 25-49%
Between 5-24%
Less than 5%
30
Your Activities (Travel/Tours): Please provide details of your travel/touring plans for the coming year.Include dates, duration, destination, booking size, and details of what is included within each person's booking.
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Large
Normal
Small
Ok
Ok
31
Your Activities (Events/Sportives): What proportion of your annual turnover is generated from the organisation of Events/Sportives? Please select from the following options.
50% or higher
Between 25-49%
Between 5-24%
Less than 5%
32
Your Activities (Events/Sportives): Please provide details of your plans for the coming year.Include dates, location, duration, distance, difficulty, revenue & size of the participation field.
Huge
Large
Normal
Small
Ok
Ok
33
Your Activities (Food & Drink/Café): What proportion of your annual turnover is generated from your Food & Drink/Café operation?Please select from the following options.
50% or higher
Between 25-49%
Between 5-24%
Less than 5%
34
Your Activities (Food & Drink/Café): Do you have a license for alcohol to be sold on the premises?
YESNO
35
Your Activities (Other): Please confirm what additional activities account of the selection of OtherPlease include an idea of what proportion of your annual turnover is generated from these extra activities
Huge
Large
Normal
Small
Ok
Ok
36
Building: Are you responsible for insuring the building for reinstatement?* This field is required.
Yes
No
Unsure
37
Building: Building reinstatement valueThis should be an accurate representation of the cost to rebuild the premises from scratch - it is not the market value. The potential ramifications of underestimating this value on any insurance you take out could be significant, you may not receive the support you were expecting. If you are in any doubt at all over the accuracy of this figure you should seek the professional guidance of a RICS accredited surveyor - we can provide recommendations on low-cost trusted survey options on request.
38
Building: Do you require another party's interest to be included within the building section of cover?This may include mortgage companies, freeholders, property owners, property managers.
YESNO
39
Building: Please confirm the name(s) of those we should include as interested parties, and confirm the nature of their interest in the property.
Huge
Large
Normal
Small
Ok
Ok
40
Building: Have you made any improvements to the building?Consider the investment you have made into the building that you would not be able to take with you if you relocated to alternative premises.
YESNO
41
Building: How much would it cost you to replicate these improvements?Consider the investment you have made into the building that you would not be able to take with you if you relocated to alternative premises.
42
Building: Your quotation will be subject to the following material statements about your premises being true. Can you confirm these are all true?* This field is required. The buildings are built only with standard construction materials (external walls constructed of brick, stone or concrete and roofed with slates, tiles or profile metal) Your premises is self-contained (under the sole control of your business). The premises has never flooded, and is not within 250m of any flowing body of water. The buildings are free from cracks or other signs of damage that may be due to subsidence, landslip or heave, and have not previously suffered damage by any of these means and are not in a known subsidence area. The premises is heated by a conventional electric, gas, or solid fuel heating system. All electrical installations have been inspected with the last 5 years, and any defects identified have been remedied. All lifts, boilers, steam and pressure vessels have been inspected and approved to comply with all statutory requirements. Outbuildings and Storage containers are not used at this site.
YESNO
43
Building: Please provide full details of the material circumstances applicable which meant you could not comply with all the previous statements.
Huge
Large
Normal
Small
Ok
Ok
44
Building: Your quotation will be subject to the following minimum security requirements. Can you confirm that you are able to comply with these requirements?* This field is required.1. The final exit door is secured by: a. a mortice deadlock conforming to or superior to BS3621; or b. a rim automatic deadlock conforming to or superior to BS3621; or c. a key operated multi-point locking system having at least three locking bolts. 2. Any other external door or internal door providing access to any part of the building not occupied by you, which is not officially designated a fire exit by the local fire authority, is secured by: a. a locking device specified in 1 above; or b. by two key operated security bolts to engage the door frame. 3. Any other external door or internal door which is officially designated a fire exit by the local fire authority is secured by: a. a panic bar locking system incorporating bolts which engage both the head and sill of the door frame; or b. a mortice lock having specific application for emergency exit doors and which is operated from the inside by means of a conventional handle and/or thumb turn mechanism. 4. All ground and basement level opening windows and any upper floor opening windows or skylights accessible from roofs, balconies, fire escapes, canopies, downpipes and other features of the building are: a. secured by means of a key-operated locking device; or b. permanently screwed shut.
YESNO
45
Building: Please provide full details of the material circumstances applicable which meant you could not comply with the minimum security requirements.
Huge
Large
Normal
Small
Ok
Ok
46
Building: Is any part of your main premises constructed with a flat roof?* This field is required.
YESNO
47
Building: What proportion of the building has a flat roof?Select from the following options.
100%
Between 80-99%
Between 50-79%
Between 25-49%
Less than 25%
48
Building: What material is the flat roof constructed of?
49
Building: Has your flat roof been inspected by a competent person with the past 2 years, and any noted defects been rectified?
Yes
No
Unsure
50
Glass: Are you responsible for insuring any of the Glass within the property?* This field is required.Commercial property leases often include terms outlining which party is responsible for insuring glass, including glass contained in the shop front, doors, windows...)
Yes
No
Unsure
51
Glass: How much would it cost to replace all the glass within the premises for which you are responsible?If you are unsure please feel free to move on to the next question.
52
Contents/Stock: The next few questions will ask about your Contents/Stock levels.

For the purpose of this section your assets will need to be split into four categories:

1) Stock
Consumable goods, merchandise goods, samples and goods held in trust, including customers' goods for which you are legally responsible.

2) Fixtures and Fittings
Imagine turning the building upside down. Anything for which you are legally responsible which would remain unmoved - that is secured to the building - would fall into this category.

3) Computers
Includes handheld devices, mobile phones and ancillary equipment which belong to you and for which you are legally responsible - including all software and data carrying media.

4) General Contents
Everything else for which you are legally responsible within the premises. This may include workshop tools, POS displays, fridges, coffee machines, cleaning/maintenance equipment, the list goes on.
53
Contents/Stock: Regular Stock value* This field is required.The maximum value of Stock held at your main premises during regular trading weeks. Stock: Consumable goods, merchandise goods, samples and goods held in trust, including customers' goods for which you are legally responsible.
54
Contents/Stock: An uplift of 30% will be provided to your Regular Stock value during your peak trading period - will this be sufficient to ensure you remain adequately insured at all times?* This field is required.Your peak trading period is the 90-day period where revenue is at its highest (and for the 14 days immediately before this period).
YESNO
55
Contents/Stock: Maximum Stock value* This field is required.Estimate the maximum value of Stock held at any one time (think about your busiest time of the year). Stock: Consumable goods, merchandise goods, samples and goods held in trust, including customers' goods for which you are legally responsible.
56
Contents/Stock: Fixtures and Fittings value* This field is required.The combined value of Fixtures and Fittings within your main premises. Fixtures and Fittings: Imagine turning the building upside down. Anything for which you are legally responsible which would remain unmoved - that is secured to the building - would fall into this category.
57
Contents/Stock: Computers value* This field is required.The combined value of Computers which are contained within your main premises. Computers - Includes handheld devices, mobile phones and ancillary equipment which belong to you and for which you are legally responsible - including all software and data carrying media.
58
Contents/Stock: General Contents value* This field is required.The combined value of the General Contents which are contained within your main premises. General Contents: Everything else for which you are legally responsible within the premises. This may include workshop tools, POS displays, fridges, coffee machines, cleaning/maintenance equipment, the list goes on.
59
Security: What security provisions do you have in place at your premises.* This field is required.Select all security provisions that you have in place.
Intruder Alarm System
Security shutters
Bars on all ground floor windows
Ram raid barriers
CCTV/Camera System
Located within gated complex
Security patrols/Security staff
Locking/chaining high value stock
Tagging high value stock
Tracking high value stock
Leak detection system installed
Sprinkler system installed
None
60
Security (Intruder Alarm): Was your intruder alarm installed by, and continues to be maintained by, a member company of the National Security Inspectorate?This should be easy to confirm on a copy of an invoice, through their website, or by checking the register at https://www.nsi.org.uk/company-finder/
Yes
No
Unsure
61
Security (Intruder Alarm): Is the alarm connected to a central station by means of BT RedCare (or equivalent)?
Yes
No
Unsure
62
Security (Intruder Alarm): Provide as much detail as you can about the intruder alarm installed at the premises.Include the model/specification, details of who installed the system, and details of what would happen if the alarm was activiated.
Huge
Large
Normal
Small
Ok
Ok
63
Security (CCTV): Was your CCTV system installed by, and continues to be maintained by, a member company of the National Security Inspectorate (NSI)?This should be easy to confirm on a copy of an invoice, through their website, or by checking the register at https://www.nsi.org.uk/company-finder/
Yes
No
Unsure
64
Security (CCTV): How many CCTV cameras are in operation?If you are unsure please feel free to move on to the next question.
65
Security (CCTV): Do the CCTV cameras cover all entrances to the property?If you are unsure please feel free to move on to the next question.
YESNO
66
Security (CCTV): Can the live CCTV images be monitored remotely?If you are unsure please feel free to move on to the next question.
YESNO
67
Security (CCTV): Are the CCTV images recorded and stored?If you are unsure please feel free to move on to the next question.
YESNO
68
Security (Patrols/Staff): Please provide details of the security patrols in place, or of the security staff presence at your site.
Huge
Large
Normal
Small
Ok
Ok
69
Security (Locking/chaining high value stock): Please provide details of the procedures you follow in keeping high value stock physically secured.
Huge
Large
Normal
Small
Ok
Ok
70
Security (Tagging): Please provide details of the procedures you follow/system in place for tagging high value stock.
Huge
Large
Normal
Small
Ok
Ok
71
Security (Tracking): Please provide details of the procedures you follow/system in place for tracking high value stock.
Huge
Large
Normal
Small
Ok
Ok
72
Security (Leak detection): Please provide details of the leak detection system installed and how this is maintained.
Huge
Large
Normal
Small
Ok
Ok
73
Security (Sprinkler system): Please provide details of the sprinkler system installed and how this is maintained.Include details of whether this is a wet, dry or mixed system.
Huge
Large
Normal
Small
Ok
Ok
74
Goods in Transit: Do you offer delivery of goods?* This field is required.This includes both deliveries completed by your own vehicles, and those entrusted to third party couriers/postal services.
YESNO
75
Goods in Transit: At any one time what is the total value of goods for which you are responsible that may be in transit to customers?
76
Goods in Transit: Would any items be shipped overseas?
YESNO
77
Goods in Transit: Would any items be shipped outside of the UK/European Union?
YESNO
78
Goods in Transit: At any one time what is the total value of goods for which you are responsible that may be in transit to customers within the EU?
79
Goods in Transit: At any one time what is the total value of goods for which you are responsible that may be in transit outside of the UK & EU?
80
Money: As standard our policy contains a limit of £5,000 for money held within the premises while you are open (or in a locked safe when the premises is closed). Will this limit be sufficient for your business?* This field is required.
YESNO
81
Money (within the premises): What alternative limit would better suit your business?
82
Money: As standard our policy contains a limit of £2,500 for money while it is in transit. Will this limit be sufficient for your business?* This field is required.
YESNO
83
Money (in transit): What alternative limit would better suit your business?
84
Rent Payable: Would you like to insure any rent you are obliged to pay?* This field is required.If your property is damaged and parts uninhabitable, under the terms of your lease you may still have a duty to pay rent to your landlord.
Yes
No
Undecided
85
Rent Payable: How much is your annual rent?
86
Business Interruption: Would you like to protect your business against disruption caused by damage to your premises/stock?* This field is required.If you include this cover there are automatic extensions which will provide a limited amount of protection against disruption caused by other factors too including damage suffered by suppliers, utility outages, local authority action. We'll outline more details of these extensions alongside our quotation.
Yes
No
Undecided
87
Business Interruption: What indemnity period would you like to be protected?This is the maximum period that insurers will continue to offer financial assistance to counter the disruption following an insured event. When selecting a Business Interruption indemnity period think carefully about how long it may take to build the business back up from the ground if you are floored by a major incident - it may take much longer to return to your pre-loss profitable position than it takes to reopen the doors.
12 months
18 months
24 months
36 months
Undecided
88
Business Interruption: What is your Annual Gross Profit?For these purposes Annual Gross Profit = Turnover - (Purchases + Variable Costs) If you're unsure please estimate for now, but you would be best to seek the professional guidance of your accountant to be certain you are not miscalculating the risk.
89
Business Interruption: Do you have a business continuity plan/disaster recovery plan in place, and is this tested/reviewed annually as a minimum?
YESNO
90
Equipment Breakdown: Would you like to protect your business against losses related to the failure of equipment and computers at the insured premises?* This field is required.Equipment would include equipment which belongs to you, or for which you are legally responsible which is built to operate under vacuum or pressure (other than weight of contents), or used for the generation, transmission or utilisation of energy.An Equipment/Computer Breakdown extension can help with costs faced in repairing equipment, reconstitution of electronic data, and minimising disruption.
Yes
No
Undecided
91
Equipment Breakdown: How much cover would you like to include?This amount would be the limit which would be applied to each and every incident of loss. If you're not sure please feel free to move on to the Next question.
92
Outstanding Debts: Cover can be added for debts which you are unable to recover following the loss of accounting records as the direct result of insured damage or an insured failure. Would you like to insure this risk?* This field is required.
Yes
No
Undecided
93
Outstanding Debts: What value of debts would you like to insure?If you're not sure please feel free to move on to the Next question.
94
Employers' Liability: Do you need us to include Employers' Liability within your policy?* This field is required.Employers' Liability insurance is a legal necessity for the vast majority of UK businesses - there are very few exceptions to these strict rules. If selecting 'No' you should ensure you take great care to verify that you have no legal duty to purchase this cover - you can be fined up to £2,500 per day if trading without the necessary Employers' Liability cover in place.
YESNO
95
Public/Products Liability: Would you like to include Public/Products Liability within your policy?* This field is required.Public/Products Liability would be an essential lifeline to your business in the event of third party injury/property damage alleged to have resulted from your negligence.
Yes
No
Undecided
96
Public/Products Liability: What level of Public/Products liability cover would you like to include?With rising claimant damages for long-term, life-changing injuries, we would strongly encourage you to carefully assess an appropriate level of cover so you are comfortable with your retained risk beyond the set limit. Please ask us for guidance if you are in any doubt about the suitability of the limit you may wish to include.
£2,000,000
£5,000,000
£10,000,000
Undecided
97
Your Activities (Servicing/Repairs): Please provide a summary of the relevant experience and qualifications of your workshop team.Please disclose this information for each member of your team conducting servicing or repair duties.
Huge
Large
Normal
Small
Ok
Ok
98
Professional Indemnity: Would you like to include Professional Indemnity within your policy?* This field is required.You have noted that you provide professional design or advisory services as part of your business. We would recommend that you consider Professional Indemnity insurance to protect yourself from damages arising from alleged ineffective or negligent design, advice or tuition.Please ask us if you would like any further advice or guidance as to whether this extension is suitable for you.
Yes
No
Undecided
99
Professional Indemnity: What level of Professional Indemnity cover would you like to include?Please ask us for guidance if you are in any doubt about the suitability of the limit you may wish to include.
£50,000
£100,000
£250,000
£500,000
£1,000,000
Undecided
100
Professional Indemnity: Do you currently have Professional Indemnity cover?
Yes
No
Not sure
101
Professional Indemnity: From what date have you continuously purchased Professional Indemnity insurance?If you're not sure then feel free to move on to the Next question.
Date
Day
Month
Year
102
Your Activities (Custom Builds/Design): Please provide a summary of the relevant experience and qualifications of your design team?Please disclose this information for each member of your team involved in custom build and design.
Huge
Large
Normal
Small
Ok
Ok
103
Your Activities (Bike Fitting): Please provide a summary of the relevant experience and qualifications of your bike fitting experts.Please disclose this information for each member of your team involved in Bike Fitting.
Huge
Large
Normal
Small
Ok
Ok
104
Your Activities (Maintenance Classes): Please provide a summary of the relevant experience and qualifications of your maintenance class leaders.Please disclose this information for each member of your team responsible for overseeing maintenance classes.
Huge
Large
Normal
Small
Ok
Ok
105
Your Activities (Sports/Fitness Coaching): Please provide a summary of the relevant experience and qualifications of your coaches?Please disclose this information for each member of your team engaged in sports and fitness coaching activities.
Huge
Large
Normal
Small
Ok
Ok
106
Legal Expenses: Would you like to include Legal Expenses within your policy?* This field is required.Legal expenses cover can support you in the event of legal disputes, either providing assistance to defend yourself from action brought against you, or to support you in the event that you are compelled to take action against others.
Yes
No
Undecided
107
Legal Expenses: What level of Legal Expenses cover would you like to include?Please ask us for guidance if you are in any doubt about the suitability of the limit you may wish to include.
£100,000
£250,000
£500,000
Undecided
108
Your cover requirements: If you would like us to tailor our quotation advice, being equipped to conduct a detailed review of our cover against your existing policy, then please upload your policy schedule and policy wording.If you don't have these documents to hand you can always email them to us later (forbusiness@bikmo.com). If you'd prefer not to supply your existing policy documentation then just select Next to continue.
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Cancelof
109
Additional material disclosures: Do you have any further information to disclose that you think might be relevant to the insurer?* This field is required.The Insurance Act 2015 outlines a strict duty on non-consumers - that includes you - to ensure a fair presentation of the risk. This means you have a duty to disclose to us and insurers every material circumstance to which you know or ought to know, including information that can be revealed by a reasonable search of information available to you, including information held within your organisation by other members of your team. A material circumstance are circumstances which may influence an insurer's decision to cover a risk and/or the terms that are applied. If your insurer ever feels that you have failed to make a fair presentation of the risk they have the right to take remedial action (this could influence the result of a claim) and may include voiding the policy or altering the terms of the cover provided.
YESNO
110
Additional material disclosures: Please provide details of the further disclosures you would like to include.
Huge
Large
Normal
Small
Ok
Ok
111
How we use your data* This field is required.The information you have provided in this form will only be used by Bikmo to process your request for a CoverFit consultation, and always in accordance our Bikmo for Business Privacy Policy.
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