Types of bicycle insurance policies
Cycling has increasingly become a popular mode of transportation and recreation in the United Kingdom. As more individuals embrace cycling
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- Compare bicycle insurance quotes from a range of providers
- You could pay less than £27 for bicycles valued up to £1500*
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Finding a quote for your bicycle won’t take long. Purchase your policy easily with monthly and annual payment options available.
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Do I need bicycle insurance?
Bicycle insurance is not a legal requirement in the UK, unlike motor vehicle insurance which is mandatory. However, whether you need bicycle insurance depends on your individual circumstances and how you use your bike.
It’s important to carefully read and compare bicycle insurance policies to understand what is covered, any limits or exclusions, and the cost of premiums. Some cyclists may find that their needs are adequately met by their home insurance policy or by taking precautions like using high-quality locks and practicing safe cycling habits.
How do I get cheaper bicycle insurance?
Start early and research
Determine the level of coverage you need based on the value of your bicycle, how you use it, and your budget.
Ask about discounts
Inquire about discounts that may be available to you.
Security
Improve bike security with high-quality locks, storage, and other anti-theft measures.
Pay annually
If possible, pay your insurance premium annually instead of in monthly instalments.
No claims discount
If you have a no claims discount (NCD) from previous bicycle insurance, inquire whether it can be transferred to your new policy to reduce the premium.
Excess
Review the excess amount (the portion you agree to pay in case of a claim) and choose a level that suits your budget.
Combine policies
If you have other insurance policies, such as home or travel insurance, check if the same insurer offers bicycle insurance and consider bundling them together for potential discounts.
Review annually
Review the insurer's policy renewal rates to ensure that you won't face significant premium increases after the first year.
Self insure
Depending on the value of your bicycle and your financial situation, you might consider self-insuring for smaller losses and only purchasing coverage for catastrophic events.
Types of bicycle insurance
This is the minimum legal requirement. It covers liability for injury or damage to other people and property caused by your vehicle.
Accidental damage cover helps pay for repairs or replacement if your bike is damaged in an accident. This can include damage caused by collisions, falls, or other unexpected incidents.
Vandalism cover protects against damage to your bike caused by acts of vandalism, such as intentional destruction or defacement.
Many bicycle insurance policies offer coverage for accessories and equipment, such as lights, locks, panniers, and GPS devices, that are stolen or damaged along with your bike.
Liability cover protects you in case you cause injury to someone else or damage their property while cycling. It can cover legal expenses and compensation costs.
If you participate in races or events, some policies offer specialised coverage for accidents or damage that occurs during these activities.
This option provides a replacement bike of equivalent or similar value if your stolen or damaged bike cannot be repaired. It typically applies to bikes that are less than a certain age.
Some policies offer worldwide coverage, ensuring your bike is protected even when you’re traveling abroad. This can be useful for cyclists who take their bikes on vacations or cycling tours.
Personal accident cover provides financial support if you are injured while riding your bike. It can include benefits for medical expenses, loss of income, and disability.
Legal assistance coverage can help cover legal fees and expenses if you become involved in a cycling-related legal dispute, such as a personal injury claim.
This type of cover may provide assistance if you become stranded due to a breakdown or accident while cycling. It can include services like roadside assistance or transportation.
Some insurers offer family bicycle insurance policies that cover multiple bikes and riders within the same household.
Factors that affect the price of bicycle insurance
Several factors can affect the price of bicycle insurance in the UK.
These include:
- The value and type of your bicycle
- How you use your bike
- The level of security measures you have in place
- Where you live
- Your personal claims history, age and cycling experience
- Adding optional extras
- Security marking
- Membership discounts
- Multi-bike policies
FAQ
Need more help?
Does bicycle insurance cover theft from my home or vehicle?
Bicycle insurance typically covers theft, even if the theft occurs from your home or vehicle. However, insurers may have specific requirements for home and vehicle security.
What is personal accident cover in bicycle insurance?
Personal accident cover provides financial support if you are injured while riding your bicycle. It can include benefits for medical expenses, loss of income, and disability resulting from a cycling-related accident.
Can I get bicycle insurance if my bike is used for commuting and leisure?
Many bicycle insurance policies cover bikes used for various purposes, including commuting and leisure riding. Be sure to provide accurate information about your bike’s usage when obtaining a policy.
Is bicycle insurance suitable for electric bikes (e-bikes)?
Bicycle insurance can cover electric bikes (e-bikes) as well. However, e-bike insurance may have specific terms and conditions related to battery protection and electrical components.
How do I make a claim on my bicycle insurance?
To make a claim, contact your bicycle insurance provider as soon as possible and follow their claims process. You will typically need to provide details about the incident, supporting documents, and any relevant information.
Can I transfer my bicycle insurance to a new bike?
It depends on your insurer and policy. Some insurers may allow you to transfer the coverage to a new bike, while others may require you to purchase a new policy. Check with your insurer for details.
What should I do if my bike is modified or has custom parts?
If your bike has modifications or custom accessories, inform your insurer, and consider adding these details to your policy to ensure they are adequately covered.
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