Value of your bike
The most significant factor. Higher value bikes naturally cost more to insure.
BICYCLE INSURANCE
Compare bicycle insurance options
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Choose from a range of cover
Protect yourself against theft, accident, damage and more
What is bicycle insurance?
Bicycle insurance provides protection for a valuable asset, covers the costs of repairs or replacement in case of theft, loss, or damage, and offers peace of mind for individuals who rely on their bike for transportation. Find out more and compare quotes.
Why do I need it?
Bicycle insurance is essential for protection against theft, damage, and personal accidents, offering financial security and peace of mind for cyclists
Coverage options include theft and accidental damage, personal injury and third-party liability, and events and competition coverage, with extras like worldwide coverage and custom parts insurance available
While not mandatory in the UK, bicycle insurance provides crucial financial protection and legal security, with costs varying based on the bicycle's value, usage, and chosen insurer
What does bicycle insurance cover?
Bicycle insurance policies offer a variety of coverage options. These protect you and your bike in different scenarios. Here’s a breakdown of the typical inclusions:
Covered:
Theft and loss: This is a major one. If your bike is stolen, or goes missing under circumstances covered by the policy (e.g., vandalism), the insurer will reimburse you for its value or replace it.
Accidental damage: Wrecked your bike in a spill? Insurance can cover repairs or replacement depending on the policy.
Personal accident: Some policies offer medical cover for injuries sustained in a cycling accident.
Liability: This protects you if you injure someone or damage property while riding.
Not Covered:
Negligence: If your bike is stolen because you didn't lock it properly, most insurers won't pay out.
Normal wear and tear: Flat tires or gradual wear and tear of parts aren't covered.
Damage due to recklessness: Riding under the influence or breaking traffic laws could void your coverage.
Home cover limits: Some home insurance policies cover bicycles, but often only for theft within your home and with a limit on the payout.
What types of bicycle insurance can I get?
When considering bicycle insurance, it's crucial to understand the variety of bicycles that policies typically cover. Most insurers provide protection for road bikes, mountain bikes, and e-bikes.
This ensures that whether you're commuting to work or tackling rugged terrain, your bike can be insured. However, if you own an antique or custom-built bike, you might face some limitations.
These unique bikes often require specialised insurance solutions. This is due to their higher value and the difficulty in replacing parts.
Upgrades and add-ons for bicycle insurance
Upgrades and add-ons for bicycle insurance
Roadside assistance and recovery services
Roadside assistance and recovery services.
Worldwide coverage
For cyclists who travel internationally, worldwide coverage It covers theft, damage, and even loss, no matter where you travel.
Custom parts and accessories
Adding this ensures protection for items like wheels, saddles, and custom paint jobs are covered against theft or damage.
Replacement bike rental
This covers renting a similar bike while yours is being repaired after a covered incident.
Cycling clothing and equipment
You can extend coverage to include specific high-value clothing or equipment beyond basic accessories
Racing or competition cover
If you participate in races or competitive events, you might need specialised insurance to cover potential damage or theft during those events.
How much does bicycle insurance cost?
Bicycle insurance in the UK can range, but the exact cost depends on several factors: Key factors affecting cost:
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Your age and location
Younger cyclists and those living in high-crime areas typically pay more.
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Type of cover
Policies with broader coverage (theft, accidental damage, personal accident) will be more expensive than basic theft-only coverage.
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Excess
This is the amount you pay upfront in case of a claim. Choosing a higher excess lowers your premium but means you'll shoulder more cost if you need to make a claim.
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Security measures
Insurers may offer discounts for using high-quality locks or storing your bike securely.
Our expert says…
Cycle theft continues to be a major barrier to cycling uptake. With quality bikes costing more than ever, robust insurance is becoming increasingly important for cyclists.
Saarrah Mussa Former Content Writer
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