The chances are that -that particular section- of your policy excludes
cycles.
I would expect that a bicycle stolen from your shed or garage would be
covered just the same as your lawn mower or power drill, under the main
body of your policy.
Most policies have a different section (sometimes optional) that gives
specific cover for cycles. This is a different section from the one
covering handbags and personal valuables.
The wordingthat sometimes causes confusion is often there simply to
make sure that you can only claim under one particular section for each
type of item, as the risks they present are different. (No one ever
rode off on a handbag left outside the newsagent's; no one ever had
their bicycle snatched from their hand on the escalator in John
Lewis*.)
I'd expect the reference to be to "pedal cycles". This wording would
naturally include tricycles and tandems. I would normally argue that a
unicycle is a "pedal cycle".
On the other hand, if the policy excluded "pedal cycles", I might at
least try to grit my teeth and argue that a unicycle was a "toy" - but
with no very lively hope of success!
*Tom, that's John Lewis, the UK department store, not John Lewis the
pianist with MJQ.:p
--
Mikefule
I think edging is one of the less well known level 4 skills.
(Naomi)
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