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Bicycle insurance

Compare specialist bicycle insurance quotes from a range of providers[1]

Do I need bicycle insurance?

Bicycle insurance isn’t compulsory in the UK but it’s a good idea to have it.

Despite its benefits to the environment and your health, cycling doesn't come without risks. 

16,294 cyclists were killed or injured in reported road accidents in 2020 and more than 271,000 bikes were stolen.[2]

If you're one of those unlucky enough to find your bike damaged in a collision or stolen, bicycle insurance could prevent you having to cover the cost of repairs or replacement yourself.

You may be able to cover your bike on your home contents insurance, but you can also buy a separate policy that offers tailored protection for your cycling routine and bike.

Just make sure you’re not doubling up on cover by buying both, or you’ll be paying for insurance you don’t need.

What does bicycle insurance cover?

Specialist bicycle insurance offers a basic level of cover for things like accidental or malicious damage and theft.

It may also offer more extensive cover for keen cyclists such as those with expensive bikes or those taking part in races or competitions.

Specialist insurance will often include cover for:

  • Theft, loss and accidental damage
  • Personal accidents cover
  • Replacement bike hire
  • Replacement of vintage parts, clothing, helmets and accessories
  • Competition and race fees reimbursement
  • Cycle rescue recovery
  • Emergency medical cover
  • Legal expenses cover
  • Public liability cover
  • Families and multi-bike cover
  • European and worldwide travel cover
  • Loss of earnings

What’s not usually covered?

Most policies will not usually include the following, unless you’ve purchased specific cover for it:

  • General wear and tear
  • Claims where your bike has been left somewhere other than your insured location for more than 24 hours
  • Claims where you have not compiled with the lock or security requirements specified in your policy
  • Claims where you can’t provide evidence of ownership
  • Use of your bicycle for business reasons (like courier deliveries)
  • Theft or damage that occurs while under the responsibility of a transport provider
  • Damage during a race or competitive event
  • Damage due to an unsecured bicycle or roof rack
  • Deliberate damage by you, family or someone known to you
  • Accidents that happen while under the influence of drugs or alcohol

How much is bicycle insurance?

Your actual bicycle insurance quote will be calculated based on your circumstances and takes into consideration what kind of bike you ride and its value.

Mountain bikes, pushbikes, road bikes, folding bikes, hybrids and electric bikes are all usually covered. If you’re riding a self-built custom bicycle, you can get insurance for your bike’s unique specification.

If you need to make a claim, it’ll reflect the true value of the bike. Just make sure your insurer’s aware of any modifications before you buy a policy, otherwise you might not be covered.

Does my home insurance cover my bicycle?

Bicycles are often covered as standard by home contents insurance policies but it's important to check they offer the cover you need.

As standard, home insurers will often only cover bicycles for accidental damage and theft if it happens inside the boundaries of your home. Your home insurance may not cover damages that occur away from the home.

If you need this cover, you can usually add it to your policy as an optional extra. It’ll cost you more though.

Be aware that there will probably be a single value limit for how much your home insurer will cover your bike for.

So, if your bike costs £1,000 and your insurer's single item limit is £800, you'll need to cover the remaining £200 yourself if you need to claim.

Your home insurance won’t cover any damages that happen to you, for example if you’re injured while falling off the bike.

What type of bike will my insurance cover?

Most insurance policies will cover:

  • Road bikes
  • Mountain bikes
  • Electric bikes
  • Folding bikes
  • BMX
  • Commuter
  • Hybrids

Don’t leave your bicycle uncovered There were 271,000 incidents of bicycle theft between April 2019 and March 2020[2]

Get bicycle insurance

Top tips to keep your bike safe from damage and theft

  1. Register your bike

    You can list your bike on The National Cycle Database, which can prove the bike is yours if it’s stolen and later found.

  2. Secure to an immovable object when left unattended

    Like a secure bike stand or a lamppost.

  3. Use an approved bike lock

    Like SoldSecure. Not using one where you’ve said you do could invalidate your policy

  4. If leaving your bike, leave it in an open area

    Thieves are less likely to steal your bike if it’s somewhere out in the open with plenty of people around

  5. Know the best way to lock your bike

    Secure the frame and both wheels to the post or bicycle stand – some thieves steal the frame and leave the wheels behind

How to get an insurance quote for your cycle

Finding a quote for your bicycle doesn't take long. You’ll just need to fill out a few details about you and your bicycle first to get started. Here's what you'll need:

  1. Details about your bike

    The type, make and value

  2. Standard cover requirements

    Excess amount, accessories cover, replacement cycle and no claims discount

  3. Optional extras

    Do you need cover for personal accidents or competition use?

  4. Security information

    What locks and alarms you have installed

  5. Your details

    Your name, address and age

Page last reviewed: 23 June 2022

[1]Gocompare.com introduces customers to i-Wonder, which is authorised and regulated by the Financial Conduct Authority. Gocompare.com's relationship with i-Wonder is limited to that of a business partnership, no common ownership or control rights exist between us.

[2]16,294 cyclists were killed or injured in reported road accidents in 2020 according to the Department for Transport. There were 271,000 incidents of bicycle theft between April 2019 and March 2020, according to the Crime in England and Wales Survey.