Bikmo for Business - Workshops and Mechanics Quote

1
Your name* This field is required.
First Name
Last Name
2
Your Email address* This field is required.
example@example.com
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Your Phone number* This field is required.
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Your Date of Birth* This field is required.Before providing an insurance quote, we’re required to carry out regulatory due diligence and sanctions checks to ensure compliance with anti-money laundering laws and international regulations.
Date
Day
Month
Year
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Company name* This field is required.
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What is the address of where you currently reside? Before providing an insurance quote, we’re required to carry out regulatory due diligence and sanctions checks to ensure compliance with anti-money laundering laws and international regulations.
Street Address
Street Address Line 2
City
State / Province
Postal / Zip Code
Please Select
Please Select
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Nauru
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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
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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
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eSwatini
Sweden
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Syria
Taiwan
Tajikistan
Tanzania
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Wallis and Futuna
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Yemen
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Other
Country
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What is your business structure?
Sole Trader
Partnership
Limited Liability Partnership (LLP)
Limited Company
Non-for-profit
Other
8
Are you a member of the Association of Cycle Traders (ACT)* This field is required.
No
Yes - Gold Member
Yes - Silver member
Yes - Free member
Yes - Not sure which
Not sure
9
How did you hear about Bikmo business insurance? * This field is required.
We're an existing partner retailer
Referral from Bike Book
Referral from Link My Ride
Referral from The Association of Cycle Traders (ACT)
Referral from another business
Referral from a customer
Met us at an event
bikebiz advertising
LinkedIn
Direct marketing
Press article
Googled it
Can't remember
Other
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When would you like your policy to start?* This field is required.If you're not sure, please use a best estimate date.
Date
Day
Month
Year
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How long have you been trading / operating?
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Expected annual turnover (next 12 months)* This field is required.
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No of employees and/or volunteersPlease state the number of employees and the number of volunteers separately.
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Annual Wageroll - Director(s) or Proprietor(s) Enter total amount paid annually in wages to Directors/Proprietors. If unsure please estimate.
15
Annual Wageroll - Clerical Only Enter total amount paid annually in wages to those employed solely in clerical, office-based activities, i.e. not involving manual work. If unsure please estimate.
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Annual Wageroll - ManualEnter total amount paid annually in wages to those employed in manual work, i.e bicycle mechanics, coaches, lead riders. If unsure please estimate.
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Any incidents or losses in the past 5 years (whether insured or not)?* This field is required.
YESNO
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Please provide details of all incidents / losses you have suffered in the previous 5 years.Include dates, circumstances, financial loss suffered, and details of any risk improvements subsequently implemented.
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Large
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Ok
Ok
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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 subject of a recovery action by Customs and Excise or the Inland Revenue? 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) which has not been spent under the Rehabilitation of Offenders Act 1974.
YESNO
20
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
Small
Ok
Ok
21
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.
Servicing / Repairs
Maintenance Classes
Sports / Fitness Coaching
Travel / Tours Organising
Events / Sportives
Lead ride / group cycling
Other
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Your Activities: Please provide a split of your annual turnover generated per activity.For example, maintenance classes 80%, sports coaching 10%, events 10%
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Large
Normal
Small
Ok
Ok
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Building: If you are trading from a premises, are you responsible for insuring the building for reinstatement?* This field is required.
Yes
No
Unsure
NA - not trading from a premises
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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.
25
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
26
Building: Please confirm the name(s) of those we should include as interested parties, and confirm the nature of their interest in the property.
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Large
Normal
Small
Ok
Ok
27
Building: If you are trading from a premises, have you made any improvements to the building which you wish to insure?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
28
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.
29
Do you have a storage unit containing stock, tools or other contents you wish to insure? This could be a garage, workshop, storage container or specific premises.
YESNO
30
Storage * This field is required.Please provide the address of any storage containers / garage / lockup you are using. Start typing your address and select from the list.
Street Address
Street Address Line 2
Town/City
County
Post code
Please Select
Please Select
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
Curaçao
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
United States
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
31
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). No part of the building's roof is flat. 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
32
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
33
Building: Your quotation will be subject to the following minimum security requirements at the premises where you store your stock and tools. 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
34
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
35
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 five categories:

1) Machinery/Plant/Tools
This includes any tools and specific machinery used for your progession.

2) Stock
Parts and accessories, consumable goods, merchandise goods, samples and goods held in trust, including customers' bicycles for which you are legally responsible.

3) 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.

4) 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.

5) General Contents
Everything else for which you are legally responsible within the premises. This may include POS displays, fridges, coffee machines, cleaning/maintenance equipment, the list goes on.
36
Contents/Machinery, plant, tools: value* This field is required.
37
Contents/Stock: Regular Stock value* This field is required.The maximum value of Stock held during regular trading weeks. Stock: Consumable goods, merchandise goods, samples and goods held in trust, including customers' goods for which you are legally responsible.
38
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.
39
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.
40
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, POS displays, fridges, coffee machines, cleaning/maintenance equipment, the list goes on.
41
Security: What additional security provisions do you have in place at the location where you store your stock and tools?* 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
Other
42
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
43
Security (Intruder Alarm): Is the alarm connected to a central station by means of BT RedCare (or equivalent)?
Yes
No
Unsure
44
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.
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Large
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Ok
Ok
45
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
46
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
47
Security (Tagging): Please provide details of the procedures you follow/system in place for tagging high value stock.
Huge
Large
Normal
Small
Ok
Ok
48
Security (Tracking): Please provide details of the procedures you follow/system in place for tracking high value stock.
Huge
Large
Normal
Small
Ok
Ok
49
Goods in Transit: Do you offer delivery of goods which you wish to insure?* This field is required.This includes both deliveries completed by your own vehicles, and those entrusted to third party couriers/postal services.
YESNO
50
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?
51
Goods in Transit: Would any items be shipped overseas?
YESNO
52
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?
53
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?
54
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
55
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
56
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.
57
Business Interruption: Do you have a business continuity plan/disaster recovery plan in place, and is this tested/reviewed annually as a minimum?
YESNO
58
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
59
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
60
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
61
Your Activities: Please provide a summary of the relevant experience and qualifications of your team.Please disclose this information for each member of your team including all coaches and class leaders.
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Large
Normal
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Ok
Ok
62
Professional Indemnity: Would you like to include Professional Indemnity within your policy?* This field is required.This would be necessary if 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
63
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
64
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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65
Bicycle Activities Conditions: Can you confirm that you are able to comply with these requirements?* This field is required.a) all participants undertaking bicycle activities with the Assured must wear a bicycle helmet that conforms to either EN1078 (European) or CPSC (US Consumer Product Safety Commission) Standards. b) Any person(s) who is visibly intoxicated shall not be permitted to participate in, or supervise any activities at any time, c) You have undertaken a documented risk assessment (which can be provided be provided upon request) which gives consideration to the method and level of supervision appropriate to Your premises and activities, d) You have a documented staff training programme (which can be provided upon request) to ensure that Your staff are appropriately trained for their specific roles and responsibilities, e) Where You are providing coached or instructed sessions, all sessions must be supervised by an instructor who holds a recognised qualification where a relevant awarding body exists, or be deemed suitably experienced by You for the activity in question, f) All participants must sign a registration form which declares the participant: a. Is aware of the risk they are exposed to during the activity and that it can lead to injury or death, b. Is aware and accepts the risks involved and accepts they are responsible for their own actions and/or involvement, c. Is fit and capable of participating, d. In respect of participants under 16 years of age all registration forms are countersigned by a parent or guardian, g) All equipment must be operated in accordance with manufacturers’ recommendations and a record must be kept of the appropriate checks completed on any equipment, h) That Personal Protective Equipment is supplied to all Employee as required and the use or wearing of Personal Protective Equipment by all Employees where required is rigorously enforced.
YESNO
66
Bicycle Activity Conditions: Please provide details of where you are unable to comply with these requirements:
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Ok
Ok
67
A fair presentation of the risk. 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
68
Additional material disclosures: Please provide details of the further disclosures you would like to include.
Huge
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Normal
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Ok
Ok
69
Our commercial insurance portfolio is growing! Take a look at the options below and tell us which products you'd like to explore further.
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Management Liability / Directors & Officers
Residential Let, Holiday Homes/Lets or other commercial property
Staff Travel
70
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 an insurance review, and always in accordance our Bikmo for Business Privacy Policy.
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