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COMPARE SPECIALIST BICYCLE INSURANCE QUOTES FROM A RANGE OF PROVIDERS[1]
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.
19,039 cyclists were estimated killed or injured in road accidents between January and June 2022 and 77,148 police recorded incidents of bicycle theft in the year ending March 2023.[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.
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:
Most policies will not usually include the following, unless you’ve purchased specific cover for it:
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.
Most insurance policies will cover:
Don’t leave your bicycle uncovered
There were 77,148 police recorded incidents of bicycle theft in the year ending March 2023, according to the Crime in England and Wales Survey[2]
Get bicycle insuranceYou can list your bike on The National Cycle Database, which can prove the bike is yours if it’s stolen and later found.
Like a secure bike stand or a lamppost.
Like SoldSecure. Not using one where you’ve said you do could invalidate your policy
Thieves are less likely to steal your bike if it’s somewhere out in the open with plenty of people around
Secure the frame and both wheels to the post or bicycle stand – some thieves steal the frame and leave the wheels behind
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:
The type, make and value
Excess amount, accessories cover, replacement cycle and no claims discount
Do you need cover for personal accidents or competition use?
What locks and alarms you have installed
Your name, address and age
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Page last reviewed: 15 June 2023
Page reviewed by: Ryan Fulthorpe
[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]19,039 cyclists were estimated killed or injured between January and June 2022 according to the Department for Transport. There were 77,148 police recorded incidents of bicycle theft in the year ending March 2023, according to the Crime in England and Wales Survey.