Sundays Insurance UK Avis 

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.

NON-STOP SALES HASSLE! If what you love is being bombarded with daily (sometimes more than daily) sales calls & emails. Sundays are the insurer for you. Otherwise- avoid.

Company explained clearly a misunderstanding. Polite and informative. Good value cover.

I was looking to change my bike insurance and after an online quote, Peter called me back promptly.
He was very helpful and well informed with time to discuss my needs.
He was interested in cycling and in my situation and made the whole experience worth while.

Needed new bike insurance so found Sundays through their good reviews. Gave them a ring and spoke with Danny who went through the process explaining everything clearly to me. Very professional and quick and the premium was exceptional. The whole experience, along with the good reviews, gave me confidence I had made the right choice

Once again had to unfortunately call upon the help of Sunday's insurance after having a second MTB stolen and knife point. Once again Sunday's insurance saved the day(so to speak)
They have replaced the bike like for like, took them less than 24 hours to accept the claim, Laure was such a help, friendly and professional. They explained everything I needed to provide to help the claim along. Hopefully this will be the last time I have to use Sunday's insurance but if I do need to I know that they will be as supportive as they can be.

A quick process to unsure my bike

Really quick responses, always friendly and helpful. Super quick turn around with my claim to get my bike back race ready. Thanks to Tristan Kumm who handled my case

From day one until the very end, Tristan showed a highly professional approach. He provided clear direction and was always focused on finding the best solution for my case.
The whole process was smooth, efficient, and well handled. I felt supported throughout, and everything was explained in a straightforward and honest way.
Great service — I would definitely recommend.

Philip answered my questions clearly and quickly by telephone and email whilst getting a quotation.

Was welcomed to sundays after purchasing my bike with a 30 day free cover,kept informed well in advance when that was ready to expire amd got a quote online at a great price for cover .

Easy to get a quote on-line & to understand what needed to be covered. Sensible pricing too.

First class communication and efficient service. Highly recommended

Albert

I bought the Sundays Insurance believing that paying the company 45 pounds I will be covered (fixing, taxi to work while fixing the bike). Yet when I had a tire punctured the company said that I would have to pay them 120 pounds before i get anything back. LIARS!!!
I am not taking any more dealing with them. They only take the money but not help. You pay for insurance then you pay them again if anything happens. So why do you need them if you pay them and them get nothing back!

Almost painfree!
The team at Sunday were extremely helpful in managing our claim after our cargo bike was stolen. Laure managed the claim exceptionally quickly and helped us find a suitable bike for our family needs after the theft. We will definitely be insuring our new bike with Sunday.

Anna at Sundays Insurance was an exceptional professional sales representative who thoroughly answered all my queries, maintaining clear and consistent communication via both email and phone. Their responsiveness and attention to detail made the entire process smooth and stress-free. They took the time to understand my needs, provided different options, and ensured I felt confident in my decision. Their friendly and approachable manner, combined with a high level of expertise, truly stood out and made for a very positive overall experience.

I found Sunday’s by buying a bike at Balfes and so received a free month of cover.
I expected a hard sell at the end of the month, but I was pleasantly surprised with the great service that I received from Daniella. Well done and thank you.

Spoke with Danny on the phone relating to a policy query and including my Dads bike onto my policy. He was extremely helpful, polite and patient. Made the process extremely easy. Absolute top service! Sundays have always had great customer service especially over the phone, if I ever have a question or issue I would always feel comfortable contacting them knowing there’s someone on the end of the phone wanting to help. Thanks Danny!

Arranging insurance for 2 new electric bikes was so easy. Everything explained very well and a lovely friendly lady on the phone. Documents received instantly by email. Very impressed!

Initially I spoke to member of the Sunday's Insurance Team and following advice sent in email with my queries which were answered very promptly.