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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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Compare bicycle insurance and you could pay less than £53.30 for bicycles valued up to £1500*

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Last updated: 24 August 2020

Why do you need bicycle insurance?

Bikes can cost thousands of pounds to replace if they are damaged or stolen, but with bicycle insurance, UK providers could cover the cost. It can give you financial protection against:

  • Theft

  • Accidental or malicious damage

  • Personal accidents

  • Third party liability**

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

Before you start your search, think about what protection you need from your bike insurance — London cyclists are likely to need different cover to Cornish cyclists, for example. If you do this before you start comparing cycle insurance policies, you will know exactly what to look for.

Here is everything a bicycle insurance policy can cover

**It can be especially important for commuting cyclists to have third party liability included in their bike insurance. London's streets and 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 you should consider:

  • Maximum cover: If you claim on your bicycle insurance, UK insurers will not pay out 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: This is how much you can claim if you have an accident and are seriously injured, for example losing a limb or being made paralysed.

  • Excess: This is the amount you have to pay towards a claim, so look for the company that charge the lowest excess. Find out how bike insurance excess works here.

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

Are you already covered?

If you have a home contents insurance policy, your bike might be covered against theft and malicious damage already.

However, most contents policies will not cover expensive bikes, or when you take them away from home, unless you pay extra.

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

Here is how to work out if bicycle insurance is right for you

*51% of customers with a bicycle valued up to £1500 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 £1501 and £3000 gave a figure of £116.00 and for bicycles valued over £3000 gave a figure of £212.62. The quote price you could achieve is dependent on your individual circumstances.

Bicycle insurance FAQs

Yes, but only when it is in your home or locked away on your property. Most contents policies do not cover expensive bikes; 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. Check the policy first because you may have to pay extra to include this cover.

Yes, most policies cover accessories like protective clothing, GPS or lights as standard. If not, you may have to pay extra to include them in your policy.

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.

Most insurers will not cover punctures or damage to your tyres unless the bike is damaged at the same time.

Get bicycle insurance quotes

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

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