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Compare Our Best Bicycle Insurance

You could get insurance that protects you and your bicycle for less. Compare quotes to find cover whether you have a mountain or road bike and use it for commuting or for fun.

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How to compare bicycle travel insurance

1

Enter your details

Get personalised cycle cover quotes in minutes, simply enter a few details about you and the bicycle you want to insure


2

Compare you choices

Compare providers to find the deal that works for you and your bike type.


3

Apply

Once you've reviewed the choices, simply pick the best bicycle travel insurance deal for you and apply.


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Why do I need bicycle insurance?

Bikes can cost thousands of pounds to replace if they are damaged or stolen, but with bicycle insurance, your provider can cover the cost. A policy can give you financial protection against:

  • theft

  • accidental or malicious damage

  • personal accidents

  • third-party liability**

Some cycle policies also cover things such as bike hire, accessories and taking part in competitions like time trials, road races and triathlons.

Think about what protection you need – London cyclists are likely to need different cover from Cornish cyclists, for example.

**It can be especially important for commuting cyclists to have third-party liability included in their bike insurance. London’s roads, for example, can make it difficult to avoid pedestrians.

Shop around to find the best cycle insurance policy

To find the right bicycle insurance policy, consider the following:

Maximum cover


If you claim on your bicycle insurance, insurers won’t pay to repair or replace your bike beyond this amount. Get a policy that can cover the full value of your bike if you need a new one

Personal accident cover


How much you can claim if you have an accident and are seriously injured?

Excess

The amount you must pay towards a claim. Look for the company that charges the lowest excess.


Find the cycle insurance policy that offers all the cover you need at the cheapest price.

Is my bicycle already covered on my home insurance?

If you have a home contents insurance policy, your bike might be covered against theft and malicious damage already. However, most contents policies don’t cover expensive bikes or when you take your bike away from home, unless you pay extra.

If you have a bike worth over £2,000 that you use regularly or if you take part in competitions, cycle insurance provides the best cover.

51% of customers with a bicycle valued up to £1,500 who obtained a quote for bicycle insurance through this service provided by Seopa Ltd between October and December 2020 were quoted less than £53.30.

Using the same calculation for bicycles valued between £1,501 and £3,000 gave a figure of £116.00, and for bicycles valued over £3,000 gave a figure of £212.62. The quoted price you could achieve is dependent on your individual circumstances.

Bicycle insurance FAQs

Get bicycle insurance quotes

Compare bicycle insurance quotes to find a deal that works for you.

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How to claim on your bicycle insurance

If you have bicycle insurance and your bike gets damaged, stolen or you are injured while riding, you can claim to cover the cost. Here is how to make a bike insurance claim.

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Why compare bicycle insurance with money.co.uk?

By comparing bicycle insurance, you could save money on the policy. The best value bicycle insurance will offer you the cover you need, at a price you can afford. Choose a cover plan from the best UK insurance companies and see the online discounts they offer.

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We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.

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Last updated: 18 May, 2022