Start by deciding the level of personal bike accident cover you need.

It works by paying a cash lump sum if you have a serious accident and policies offer cover ranging from 10,000 up to 150,000.

Cycling accident insurance isn't always included as standard with bicycle insurance policies, so always check.

Some policies also offer separate cover to pay for any loss of earnings if you have an accident, so look out for this as well.

Check the cover options

Once you're happy with the cycle accident insurance cover it's worth looking at what else you want to include.

Most policies offer a range of the following, so work out what you want to include before comparing quotes:

  • Accidental damage, which pays out if you accidentally damage your bicycle and it needs to be repaired.

  • Theft, which give you a cash lump sum to buy a new bike if yours is stolen.

  • Legal cover, which pays out if you injure a third party, or damage someone else's property.

  • Accessories cover, which covers damage to your cycling accessories, including things like your helmet, lights and trailers.

It is also worth checking what excess each insurer sets on their cyclist insurance as this can vary.

Get the best price

Once you've decided on which cover options you want you can start shopping around to find the best price.

Try and get as many quotes as possible to ensure you're not paying more than you need to.

Cycle accident insurance FAQs

Q

Will my bicycle cover me if the accident is my fault?

A

Yes, if you are involved in an accident that isn't your fault then the other party's insurance should pay out.

Q

If I crash my bike will I be covered?

A

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.

Q

Can I take my bike abroad?

A

Some policies offer European or Worldwide cover, but you may have to pay extra to add this.

Q

How long will my cover last for?

A

Most policies last a year, but if you need short term cover some policies can last a few weeks or months.