Is civil liability covered in case of an accident? 06 January 2025 16:14 Updated No, civil liability is not covered under our insurance. We focus on covering your bicycle for theft and material damage. Related articles Can another person use my bicycle and still be covered? How can I check if my lock is approved for coverage? Do I always need to lock my bike for it to be covered? If my home insurance already covers my bicycle, should I also submit my claim to you? Where is my bicycle covered?