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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Bikes can cost thousands of pounds to replace if they’re damaged or stolen, but with bicycle insurance, your provider should cover the cost. A bicycle insurance policy can give you financial protection against:
Accidental or malicious damage
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.
To find the right bicycle insurance policy, consider the following:
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?
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.
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 an expensive bike that you use regularly or if you take part in competitions, cycle insurance will probably provide the best cover, and it needn’t cost you a fortune.
Half (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 January and March 2022 were quoted £46 or less.
The same calculation for bicycles valued between £1,500 and £3,000 gave a figure of below £111, and bikes valued over £3,000 could be insured for from £200. The quoted price you could get will depend on your individual circumstances.
Typically, bikes are only when in your home or locked away on your property. Most contents policies don’t cover bikes worth over a specific sum, such as £1,000 or £3,000, unless they’re covered as an added extra. Typically, there’s also an excess. Find out more here.
Yes, it can cover the cost of any damage to your bike, and you can claim if you suffer a serious injury, or if you damage someone else’s property.
Most policies offer foreign travel cover for around 60 days a year, but you may have to pay extra for it. Check your policy, especially if you’re planning to cycle outside of Europe.
Yes, most policies cover accessories such as protective clothing, GPS or lights as standard. If not, you may have to pay extra to include them.
Most bike insurance policies last for 12 months, but you might be able to get a short-term policy of a few weeks or months.
Yes, most insurers only accept a claim for theft if your bike has been secured using an approved lock. Find out what Sold Secure locks you need here.
Unlikely. Most insurers do not cover punctures or damage to your tyres unless the bike is damaged at the same time.
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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Last updated: March 8, 2023