If your bike is stolen, and it was bought new and is less than 3 years old, we’ll replace it with a brand new bike.
Should you take out a policy and within 14 days find the same cover elsewhere for less, we’ll refund the difference.
If you’re deemed liable for accidentally injuring someone or damaging property whilst cycling, we’ll cover the costs of any claims made against you.
Cycling and bicycle insurance is a form of financial protection that covers cyclists against the various risks associated with cycling and bike ownership.
As a cyclist, you’ll be well aware of the sport’s many benefits, but you’ll also know that your passion is not without its fair share of risk.
For example, accidents, injury, and theft of or damage to your bike and equipment are all risks associated with cycling. Cycling insurance is specifically designed to protect against these and more.
If you choose to refer your friends to us, not only will we reward you with a voucher of your choice but your friends will receive an exclusive discount too!
Find out moreCycling insurance covers you should the worst happen. Let’s say you’re involved in a collision on the road, you sustain a nasty injury, and your bike is badly damaged—or your bike gets stolen from your home. Without cycling insurance, these things could leave you substantially out of pocket. So, while cycling insurance is not mandatory, you may wish to consider it as an option.
You certainly wouldn’t be alone in assuming your standard home insurance policy is adequate when it comes to protection for things like your bike and its accessories.
Many are often unaware, though, of some of the common limitations of standard home insurance policies—which is why you may wish to consider specialist cycling insurance.
Research has shown that one in three household insurance policies don’t cover bikes away from the home, leaving you uninsured while out on the road. Even if you have contents insurance, you’ll likely have to add your bike onto your policy at an additional cost—and even then, it probably won’t be insured the second you leave your home.
However, with specialist cycling insurance, you can rest assured your bike is covered whether you’re at home or out and about. Public Liability cover will also protect your legal liability if you accidentally injure someone or cause damage to property while riding your bike.
The cost of cycling insurance varies depending on several factors, such as the monetary value and age of your bike, plus the level of cover you choose.
Get a quick quote online with Cycleplan for a more accurate picture of what your cover could cost.
This covers theft of your bicycle from your home, away from home or from a motor vehicle. Cover also includes malicious damage to your bicycle, accidental damage and loss.
Protects you if you accidently injure another person or damage third party property whilst riding your bike.
For Equipment and Accessories cover the standard policy excess is £50 or 10% but you can select a higher amount which will reduce your premium or you can select zero excess which will increase your premium.
Cover if you’re involved in a cycling accident that results in permanent disability or death. Also covers physiotherapy, broken bones, hospitalisation and emergency dental expenses relating to your cycling accident.
Cover if you need to pursue a civil claim following a cycling accident that you were involved in.
Your accessories are an important part of your gear. We can cover your helmet, shoes, jerseys, vests, glasses, goggles, helmet mounted cameras, GPS units and lights where there’s also a claim to your bike.
Protect all your family’s bikes on one easy to manage policy. The policy options you choose extend to everyone who lives with you and is in your immediate family free of charge, including Personal Accident and Public Liability.
If you’re out and about on your bike and have an accident which causes damage to your bike meaning you can’t cycle home, we will reimburse your transport home up to £50.
If you can’t take part in organised competitive cycling, biathlon or triathlon event because of illness or injury or your bike is going through a claim. We’ll cover the cost of your race fee up to £250.