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Search for deals with our Bicycle Insurance Comparison! Cycle your way to the best insurance.

Why Do You Need Bicycle Insurance?

Some bicycles can cost thousands of pounds to replace should something happen to them. If your bicycle is stolen or damaged a bicycle insurance policy could help you to cover the costs of repairs or a replacement.

Cycling doesn’t come without its risks, and the growing number of cyclists in the UK means there is a growing risk factor. Unlike car insurance, bicycle insurance is not compulsory, but it could be considered a worthwhile option if you ride frequently or own an expensive bicycle.

Is Cycle Insurance a Legal Requirement?

Whilst bicycle insurance is not a legal requirement it is an advisable form of cover depending on the amount of risk that you are willing to take. If you’re involved in an accident or your bicycle is stolen you may not have any financial protection if it was your fault.

Is Your Bicycle Covered by Your Home Insurance?

Often when it comes to home insurance your bicycle may be covered as standard with some policies, but it is important to read over your policy document to ensure this is so.

Home insurance policies will often protect your bicycles against accidental damage and thievery if it takes place whilst the bicycle is within your home, however, your home insurance may not cover your bicycle if this happens whilst you’re riding it.

Your home insurance, unlike specialist bicycle insurance, will also generally cover your bicycle for a single article limit. This means that there will be a maximum you can claim for the item, so you could lose out.

Whilst your bicycle may be covered by your home insurance, and you can usually add an optional extra bit of cover which protects against damages that happen away from home, it’ll cost you more. It also won’t protect you against any accidents you have where you get injured.

The right cover with bicycle insurance does. Get the best insurance for your bicycle today.

What Does Cycle Insurance Cover?

Most bicycle insurance policies will cover your possession against theft, accidental damage and malicious damage. As with each bicycle, each bicycle insurance policy is different and therefore what the policy covers will change. Here is a list of things that your policy might include:

Theft, accidental damage and loss of the bike
Emergency medical cover
Personal accidents cover
Legal expenses cover
Competition fees reimbursement
Replacement bike hire
Loss of earnings cover

What Types of Bicycles are Covered?

When you get a bicycle insurance policy you may be surprised to hear that certain types of bicycles aren’t covered as standard. If you have a specialist bicycle, it’s best to check with the insurer whether your model is covered. Nevertheless, these bicycles are usually covered by default:

Mountain bicycles
Road bikes
Electric bicycles
BMXs
Hybrid bicycles
Folding bicycles

What Is Covered By Bicycle Insurance?

Bicycle insurance is similar to car insurance in that there are varying levels of coverage to suit both your needs and your budget. With our comparison service, you can choose to get bicycle insurance cover for any of the following types.

How Can You Get Cheaper Cycle Insurance?

Your bicycle insurance quotes will be priced depending on the type and cost of your bicycle, the level of cover you are seeking, and the optional extras you add on. To save money on your bicycle insurance, you should start by comparing different quotes. This can be done simply through our online comparison service. Whilst it may seem counterintuitive, you can opt to pay a higher excess. This doesn’t guarantee a cheaper insurance premium; however, it could save a little money. It is important to note here that you must make sure that you can afford to pay your optional excess. Storing your bike in a secure place doesn’t usually offer any discount, however, your policy wording may be very particular about how the asset is stored. If the bicycle is stolen from an insecure location, taken from a vehicle or left unattended outside of the secure area your insurance may not payout.