Insure your ride within minutes with affordable bicycle insurance covers.
- Replace your old bicycle for new
- Cover theft, accidental damage and claim compensations for cycling accidents
- Avoid overpaying and find how much you can save
Providers
Compare Pet Insurance quotes from x+ major UK Insurers.
Why do I need bicycle insurance?
In the UK, Bicycle Insurance isn’t obligatory, but it’s a smart move for cyclists.
Despite the environmental and health benefits of cycling, it’s not without risks. Shocking statistics reveal 19,039 cyclists faced accidents in the first half of 2022, with 77,148 incidents of bike theft recorded by the police in the year ending March 2023.
Imagine your bike damaged or stolen—Bicycle Insurance saves you from covering the costs. It’s your tailored protection against the unexpected.
While home contents insurance might cover your bike, a specific Bicycle Insurance policy is designed for your cycling routine. Just ensure you’re not doubling up on coverage to avoid unnecessary expenses. Pedal with peace of mind!
What extras can I get?
The cost of pet insurance can vary based on several unique factors related to your individual pet. Each pet insurance policy is tailored to the specific circumstances. To obtain a precise figure for your pet insurance, compare quotes below.
Personal accident
Elevate your peace of mind. In the unfortunate event of a serious injury or fatality while cycling, this cover extends its protective embrace to you and your family.
Third-party liability cover
Safeguard yourself against the unexpected. This cover steps in if you inadvertently cause harm to another person or damage their vehicle or bicycle.
Accessories; helmet, clothing, GPS or lights
Cover your biking essentials. Whether it’s your helmet, clothing, GPS, or lights, this facet of the policy ensures coverage against loss, theft, damage, or vandalism.
Cycling abroad
Expand your horizons. This policy extension offers protection for your cycling endeavours on foreign roads, extending beyond the borders of the UK..
Competition use and race fees reimbursement
Fuel your competitive spirit. Some policies go the extra mile, covering your participation in time trials, road races, and triathlons.
Legal expenses cover
Navigate legal complexities with ease. In the event of an incident, such as a crash that might lead to legal proceedings, this cover shoulders your legal costs.
Family and multi-bike cover
Embrace inclusivity. This option allows you to extend coverage to multiple bikes and include family members under the protective umbrella of your policy.
How much is bicycle insurance?
The cost of bicycle insurance depends on a few factors including:
Bicycle Value:
The cost is influenced by the value of your bicycle; high-value bikes may incur higher premiums.
Number of Bicycles:
Covering multiple bikes under the same policy might offer cost efficiencies compared to insuring each separately.
Location Impact:
Where you reside plays a role, with factors like local crime rates affecting insurance costs.
Optional Extras:
Additional coverage options, such as personal accident or theft protection, can contribute to overall costs.
Navigating these factors empowers you to tailor your bicycle insurance to your needs and circumstances.
How much can you save on Bicycle Insurance?
Our partnership with Seopa elaborates on a few saving options for you. They are as follows:
You could pay less than £36 for bicycles valued up to £1500:
51% of customers with a bicycle valued up to £1500 who obtained a quote for Bicycle
Insurance through this service provided by Seopa Ltd during September 2023 were quoted
less than £35.12. Using the same calculation for bicycles valued between £1500 and £3000
gave a figure of £68.66 and for bicycles valued over £3000 gave a figure of £143.54. The
quote price you could achieve is dependent on your individual circumstances.
You could pay less than £69 for bicycles valued between £1501 and £3000:
*51% of customers with a bicycle valued between £1500 and £3000 who obtained a quote
for Bicycle Insurance through this service provided by Seopa Ltd during September 2023
were quoted less than £68.66. Using the same calculation for bicycles valued up to £1500
gave a figure of £35.12 and for bicycles valued over £3000 gave a figure of £143.54. The
quote price you could achieve is dependent on your individual circumstances.
You could pay less than £144 for bicycles valued over £3000:
Bicycle Insurance Checklist*
What does Bicycle Insurance cover?
Protect yourself against unexpected events, covering the financial fallout from theft, loss, or accidental damage to your cherished bicycle.
Extend the protective umbrella to personal well-being. In the event of serious injuries or accidents while cycling, this cover offers financial support.
Stay mobile. This cover ensures you’re not left stranded by providing a replacement bike while yours undergoes repairs.
Preserve the character of your vintage ride. In cases of damage or loss, this cover steps in to replace vintage parts, clothing, helmets, and accessories.
Fuel your competitive spirit without financial worry. This cover reimburses fees related to participating in competitions and races.
Ensure a safety net. This cover offers assistance in breakdowns or emergencies during your cycling adventures.
Prioritise health on your cycling journeys. This cover provides financial support for emergency medical expenses.
Navigate legal complexities with confidence. This cover takes care of legal costs in case of incidents leading to legal proceedings.
Shield against unforeseen liabilities. This cover protects you if you unintentionally cause injury or damage to someone else’s property.
Embrace inclusivity within your insurance circle. This option extends coverage to multiple bikes and includes family members under a single policy.
Broaden your horizons. This cover ensures protection for your cycling adventures beyond borders, both in Europe and worldwide.
Safeguard your financial stability. In the unfortunate event of injury leading to loss of earnings, this cover provides financial support during recovery.
What does Bicycle Insurance not cover?
Routine wear and tear, a natural part of your bicycle’s lifespan, falls outside the scope of insurance coverage.
Leaving your bike unattended for more than 24 hours in a location other than your insured premises excludes claims during this period.
Claims are void if your bike is stolen, and you haven’t adhered to the specified lock or security measures outlined in your policy.
Essential documentation proving ownership is a prerequisite for valid claims. Failure to provide evidence can lead to claim rejection.
If your bicycle is employed for business-related activities, such as courier deliveries, claims arising from these purposes are not covered.
Theft or damage sustained while your bike is in the care of a transport provider isn’t covered by your insurance.
Incidents occurring during races or competitive events are excluded from coverage, emphasizing the non-coverage of competitive scenarios.
Damage resulting from an unsecured bicycle or roof rack is not within the protective ambit of the insurance policy.
Intentional damage inflicted by you, your family, or someone known to you is exempt from insurance coverage.
What would void your claim?
Bike Insurance Exclusions: Safeguarding Your Coverage
When it comes to bike insurance, knowing the exclusions is crucial to avoid surprises and ensure your coverage stays intact.
Using Your Bike for Earnings:
- If you use your bike for work, especially as a courier, your insurance may not cover it.
Proof of Ownership Requirement:
- Keep the sales receipt; it’s your proof of ownership needed for claims.
Cosmetic Damage Not Included:
- Minor scratches or dents that don’t affect your bike’s functionality usually aren’t covered.
Accessory Damage Conditions:
- Accessories like tyres or mud guards are covered only if the bike is damaged at the same time.
Security Measures Matter:
- If your bike gets stolen and wasn’t securely locked, your claim might be denied.
No Coverage under Influence:
- Accidents involving drugs or alcohol may void your claim; cycling responsibly is crucial.
Many policies also take into account permanent disabilities resulting from an illness or injury.
Frequently Asked Questions
Absolutely, some insurers provide coverage for multiple bikes under one policy. It’s often a cost-effective option compared to insuring each bike separately.
Experienced riders with comprehensive insurance may have limited cover to ride other bikes in emergencies. Not all insurers offer this, so review policy documents beforehand. Consider short-term insurance for comprehensive coverage.
Navigate the world of licence categories determining the bikes you can ride. The direct access route and progressive route offer flexibility based on age and experience.
Check your policy for riding abroad clauses. For frequent overseas trips, explore dedicated European cover policies, ensuring awareness of coverage limits and protections.
While most insurers won’t allow transferring car no-claims bonus to a bike policy, a few exceptions may exist. Always confirm with your insurer for clarity.
Absolutely, sidecar insurance can be included or added as an optional extra depending on the insurer.
Essential for learner motorbike and moped riders, CBT is a must. If you passed your car test pre-February 2001, riding a 50cc moped without CBT is allowed but not recommended.
Aged 16, you can ride a moped with a provisional licence, completed CBT, and display L plates. Passengers and motorway rides are off the table.
The MCIA defines scooters by engine placement and chassis type, while mopeds have an engine below 50cc and a top speed of around 31mph.
Yes, both imported and modified bikes can be insured. Declare modifications, be it crash cans or windshields, to ensure accurate coverage.
Excess is what you pay when making a claim. Compulsory and voluntary excess impact your premiums, offering flexibility in payment options.
In a write-off scenario, insurers usually keep the bike, providing a cash payment. Consider GAP insurance for added financial protection.
Indeed, short-term bike insurance offers flexibility, lasting from a few hours to months, covering the essentials of a standard policy.
Pillion cover is essential for carrying passengers. Adding another rider is possible, but honesty about the main rider is crucial to avoid insurance fraud.
Motorbike insurance doesn’t cover punctures, but breakdown cover typically includes tyre-related call-outs.
Absolutely, some insurers provide coverage for multiple bikes under one policy. It’s often a cost-effective option compared to insuring each bike separately.
Experienced riders with comprehensive insurance may have limited cover to ride other bikes in emergencies. Not all insurers offer this, so review policy documents beforehand. Consider short-term insurance for comprehensive coverage.
Navigate the world of licence categories determining the bikes you can ride. The direct access route and progressive route offer flexibility based on age and experience.
Check your policy for riding abroad clauses. For frequent overseas trips, explore dedicated European cover policies, ensuring awareness of coverage limits and protections.
While most insurers won’t allow transferring car no-claims bonus to a bike policy, a few exceptions may exist. Always confirm with your insurer for clarity.
Absolutely, sidecar insurance can be included or added as an optional extra depending on the insurer.
Essential for learner motorbike and moped riders, CBT is a must. If you passed your car test pre-February 2001, riding a 50cc moped without CBT is allowed but not recommended.
Aged 16, you can ride a moped with a provisional licence, completed CBT, and display L plates. Passengers and motorway rides are off the table.
The MCIA defines scooters by engine placement and chassis type, while mopeds have an engine below 50cc and a top speed of around 31mph.
Yes, both imported and modified bikes can be insured. Declare modifications, be it crash cans or windshields, to ensure accurate coverage.
Excess is what you pay when making a claim. Compulsory and voluntary excess impact your premiums, offering flexibility in payment options.
In a write-off scenario, insurers usually keep the bike, providing a cash payment. Consider GAP insurance for added financial protection.
Indeed, short-term bike insurance offers flexibility, lasting from a few hours to months, covering the essentials of a standard policy.
Pillion cover is essential for carrying passengers. Adding another rider is possible, but honesty about the main rider is crucial to avoid insurance fraud.
Motorbike insurance doesn’t cover punctures, but breakdown cover typically includes tyre-related call-outs.
