If you’re looking for the best bicycle insurance there are an increasing number of companies in the market that can help. Often your house insurancepolicy will include some level of cover for bikes, but specialist insurers will often give you more options. Here are some things to look for when you’re buying bicycle insurance.
You could pay less than £42 for bicycles valued up to £1500*
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*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 2022 were quoted less than £41.15. Using the same calculation for bicycles valued between £1500 and £3000 gave a figure of £80.27 and for bicycles valued over £3000 gave a figure of £147.57. The quote price you could achieve is dependent on your individual circ*mstances.
Which bicycle insurance policy should I choose?
There are a huge range of companies out there that can offer you a policy. What's the best bike insurance policy for you will depend on your individual circ*mstances: what bikes you want to insure, where you live, whether you race or not... all these things will impact which policy works best for you.To help you out, here’s an overview of some of the specialist insurers that are currently in the market.
Laka is based on a collective system rather than a simple premium, which means your monthly payment can go up and down depending on the level of claims. A lot is covered by default: theft, damage, racing, travel and legal assistance are all part of the policy.
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Bikmo offers new-for-old cover and covers you worldwide whether you’re exploring or racing. You can also get a 50% discount on a second bike, and if your bike doesn’t make it to your holiday destination there’s cover for emergency bike hire too.
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Yellow Jersey offers three different tiers of bicycle insurance, each with more covered than the next. Essentials covers theft and accidental damage in the UK, with performance extending cover to organised events and riding in Europe, and Ultimate covering you worldwide.
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ProtectMyBike (yes, it's all one word because…) offers cover against theft, accidental dame and vandalism, and it can also include personal accident insurance to cover you in the event of injury. You know how dangerous everyone says disc brakes are…
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Sundays draws from over 13 years of cycling insurance data to offer customizable cover for serious and casual cyclists alike. If you’re a paid Strava Subscriber then there are some extra benefits including device damage and taxi cover if you need to get rescued.
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Assetsure offers cover for a wide range of different things. Their cycle insurance can include public liability and legal expenses cover to help you out if you’re involved in an incident that wasn’t your fault. Or was.
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Cover Cloud offers new-for-old bike insurance for bikes valued at up to £6,000. Theft and damage are covered as standard, and there are lots of options too including accessories cover and roadside recovery. You can get gadget insurance for your phone, too.
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Cycleplan is underwritten by insurance giants Aviva. There are options for public liability insurance and legal expenses cover, and you can insure the whole family’s bikes on one policy. You can also opt for race fee insurance to cover you if you’re unable to compete.
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Eversure’s cycle insurance policy has a big range of optional extras and you can pick and choose depending on your needs. You can get accessories cover, personal accident cover, worldwide cover, breakdown recovery, public liability and much more.
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WeCovr’s bicycle insurance is pretty fully featured by default. As well as theft and damage cover, you get public liability cover, legal expenses, personal injury, breakdown cover, European and worldwide cover, and even identity theft cover.
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Cycleguard has been protecting cyclists and triathletes across the UK for over 20 years against theft and damage to all types of bike. There’s a multi-bike discount if you have a big stable, and accessories cover up to £2,500 for all your gear.
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Nova Direct offers a range of insurance solutions for home, car, travel and more. The bike insurance policy covers theft and damage in the UK, and you get 90 days of worldwide cover too. If you want uncomplicated cover then there aren’t many options to stress over.
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Ala’s cycle insurance includes worldwide cover for any adventures you’ve got planned. Optional extras offered by Ala include public liability, legal expenses, personal accident, accessories cover and replacement hire if you find yourself without a bike for a big event
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One of these providers is going to be able to provide the best bicycle insurance for you. Everyone's needs are different, so take some time to compare what's covered, and use our Cycling insurance quote comparison engine to find the best deal.
