• >
  • Bicycle insurance

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.

  • Access Cashback & Rewards
  • Compare prices, and start saving
  • Shop around, compare providers
Sponsored by
CycleGuard Logo
Eversure Logo
Yellow Jersey Logo

How to compare bicycle insurance


Enter your details

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


Compare quotes

We'll search our database of leading providers and show you the best bicycle insurance deals we can find.


Apply and save

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

Father and son riding bicycle

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?


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.

Sponsored by

Explore bicycle insurance guides


Can you get insurance to ride your bike abroad?

If you are planning to take your bike on holiday with you, the right insurance policy will keep it protected. Here is how to insure yourself to cycle abroad.

Read More
Young woman walking bicycle down countryside road in the sun

Do you need bicycle insurance?

Bicycle insurance gives you financial protection if your bike is lost, stolen or damaged or you get into an accident, but is it worth the cost? Here is how to work out if you need bicycle insurance.

Read More
couple cycling side by side along the street

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.

Read More

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.

Proud to be award winning

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.

stevie award
WMA 2021 Logo-768x632
nba logo
logo dma
ecommerce awards

Last updated: 18 May, 2022