Get the best bicycle insurance in the UK with the help of See Compare Buy. You can find our approved locklist which details our requirements here. To pick the top we've divided the total amount you can claim per year with how much you'll pay out per year, inclusive of the excess, and given it a score. Bicycle Insurance Many household insurance policies have limitations when it comes to covering cyclists, their bicycles and their accessories – which is why you need specialist cycling insurance. But PedalSure gives you an extra level of protection that would pay out if you are injured. Good for: new cyclists, commuters, mountain bikers, enthusiasts, people who have home insurance that covers their bikes. Even if you take out bicycle insurance it’s vital that you are security conscious. This register can be checked We offer the Best Bicycle Insurance UK at the most competitive rates. For a little bit extra, the Plus level includes the likes of medical expenses new-for-old cover, while the Race protection is ideal for those who are planning on lining up on the start grid, and will reimburse fees for cancelled races and insures against accidents in road or crit races. One thing to be aware of is its list of approved locks – if your lock isn’t on the list, your bike won’t be covered for theft if the lock is broken when secured out of the house. Rather than having a fixed annual fee, your policy is on a rolling monthly contract, and can go up or down (although there is a maximum ceiling) depending on the number of claims it receives from other members. A lot of contents insurance policies will cover bikes if listed as a valuable on your policy, but only when they’re in the home. We endeavor to compare bicycle insurance policies so that you can get the most fitting bicycle insurance at the most competitive rates. For peace of mind, it’s therefore worth looking to cycle-specific insurance. It offers cover for travel, events, accessories and has a big multi-bike discount. results in a reader taking out a policy with that insurer. Most contents insurance policies that include bikes have a low cover limit, which is likely to be below the value of your electric bike, and unlikely to cover bicycle theft away from the home. All of the above cycling policies also offer public liability to cover any legal costs or payouts if you’re at fault in an accident. Then you might enjoy our selection of the best bike locks that money can buy. The most common exclusions are: Good for: all-rounders, taking a bike abroad. We also use the combined buying power of our members to negotiate fairer and cheaper deals with insurers. Like British Cycling, Cycling UK has a preferred insurer – CycleSure. Get thebest bicycle insurance in the UK with the help of See Compare Buy. Top 10 Motorbike Insurance companies. Top of the range road bikes can cost more than £10,000, so it is worth having a bicycle theft insurance policy that can cover the cost if your bike is stolen. Standard travel insurance has limits on the value of individual and total items you can take with you and quality cycling equipment can easily exceed them. advertising space so a particular insurer may be highlighted in the article and, What is cycling liability insurance and do I need it? Get a quote for PedalSure's policies or read a review of PedalSure's cycling cover. Yellow Jersey, Bikmo, PedalSure and Velosure include race cover as standard. It is a condition of your insurance that you use an approved lock appropriate with the value of your electric bike. Specialist bicycle insurance may feel like yet another expense, but if you want the best possible chance of getting a payout in the event of a claim, it’s almost certainly your best bet. Our approved lock list has been created to make sure that the best level of defence is being provided against cycle theft. read a review of PedalSure's cycling cover. 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. As well as selling everything you could need for your two-wheeled pursuits, cycling retailer Wiggle offers up protection for you and your bike too. Another security issue to consider is theft from your car or a vehicle. Your household insurance does not always cover your bicycles; therefore you may want specific bicycle insurance. However, it's worth noting that worldwide policies often do not offer public liability cover for certain countries. The insurer of choice of British Cycling, Bikmo is underwritten by insurance giants Hiscox and has three tiers of cover – Go, Plus and Race. For example, Bikmo, Yellow Jersey and Velosure offer similar recovery policies to those you get for a car, offering transportation to a bike shop or home. If you’ve taken out bike insurance, make sure you know the policy exclusions to prevent voiding your cover or the rejection of a claim. Being taken out by black ice, a pothole or another racer; scratching a car on a busy road; or having an expensive bike targeted by thieves can happen to anyone. These schemes charge a small fee to join, however, the cover is less comprehensive than what you get from a full insurance policy. We offer the Best Bicycle Insurance UK at the most competitive rates. This article was written by Bought By Many. The benefit of Pedal Cover is that it might just work out cheaper than two separate policies – one for your contents insurance and another for your bike. "The Sun", "Sun", "Sun Online" are registered trademarks or trade names of News Group Newspapers Limited. Mountain bikes, street bikes, pushbikes, road bikes, folding bikes, hybrids and electric bikes are all usually covered. Its bicycle cover protects your bike and equipment (helmet, clothing, GPS, etc.) What would void my claim? Because races are fast paced and close quartered it’s no surprise that crashes happen. Unlike Laka, Pedalsure’s rates are fixed, although you do get a slight discount if you opt to pay for your cover annually. Not only will a policy protect you if your bike is stolen, but some include features such as cover when travelling and personal injury insurance. It covers bikes up to £10,000 and does not seem to price by postcode, which means it could be cheaper for some city cyclists. PedalSure is unique in that it allows you to choose cover for yourself, rather than your bike. Most insurers should provide you with a list of locks that are accepted under their policies. Cycle Syndicate is one such group in the UK that has formed what they call ‘Bike Protection fuelled by friendship’. Need a new bike cover? The best bicycle insurance offers comprehensive cover for serious cyclists, have good customer feedback online, accessible quote processes and are more competitive than other cycle policies. But be sure to check with them if there are any liability exclusions. for details of our permissions, history and contact details. There’s a 20% initial discount. Devitt 's multi bike insurance policy calculates the price of your premiums based on the most expensive bike you own and adds around £30 for every additional bike you'd like to insure, allowing you to pay a lot less than you would if you were to insure your bikes on separate policies. You are able to insure up to 3 bicycles on one policy. Select quote button below to get started. Being on the road during rush hour brings greater risks. Cheap Bicycle Insurance You can count on Cheap.co.uk to get you a great deal on your bicycle insurance! Markel Insurance has something going for it that the other insurance companies on this list cannot claim: It's specialized in motorcycle insurance for more than 40 years. Here's what you need to know. There are options for team and coach cover and no extra charge for living in a city (excluding London). For more active recommendations, check out our dedicated health and fitness section. View our online Press Pack. It’s been around some time and offers a highly modular policy, allowing you to include or exclude almost every element of cover, giving lots of flexibility. There are also pros and cons in buying specific bicycle insurance. Specialist bike insurance is your best bet if you want to cover all eventualities relating to both theft and injury. Our bicycle insurance is for the everyday cyclist, get a free quote today. It is similar to a car breakdown policy and can cover the costs of transporting a broken bike to a shop for repairs and onwards travel. The best bicycle insurance companies of 2020, 3. The maximum sum insured is £5,000 per bicycle. The first is probably best suited to most cyclists, and highlights of the cover include theft, accidental damage, legal expenses and excess-free replacement. Not sure where to start in your search for the best bicycle insurance for you? Along with the possibility of causing damage to yourself, your bike or others, cyclists have to find somewhere safe to store their bikes. Here they are: In 2017 in the UK our collective mileage was up 25% over the last 15 years to over 5 billion kilometres cycled in 2013 and two million people across Britain cycle at least once a week. It insurers professionals and even covers Team Wiggins. News Corp is a network of leading companies in the worlds of diversified media, news, education, and information services. Our table below compares Wiggle Cycle Insurance with other bicycle insurance options. Most should include leaving your bike in a triathlon transition area and sportives. Another thing to note is that, if you’re a member of an organisation such as British Cycling or Cycle UK, you get a discount with their preferred provider as part of your annual membership – as well as a number of other benefits such as discounts and access to events. As well as the obvious headline financial impact related to these mishaps there are other costs that can add up. looked into how insurance would have helped, Protect Your Bubble cycling insurance review, Better options and fewer restrictions for where you can store your bike, Cover for races and competitions, including triathlons, Breakdown assistance Travelling overseas with high-value bikes and cycling abroad, Cover for specific parts of the bike, such as wheels or the seat, Accessories cover - GPS, helmets, clothing, water bottles, Race fees – if you have to cancel because of illness or injury. One thing to note is that Wiggle doesn’t charge extra if you live in a city postcode – handy if you’ve made the switch from public transport to commuting by bike and you’re looking to stay protected for less. A great choice if you’re looking to insure all of your family and their bikes, CycleSure just asks for the total value of the bikes at your home and your postcode to work out your quote. While Pedal Cover does offer standalone bike insurance, it’s its home and bicycle insurance policy that makes it stand out in a packed field. Visit today! Get a quote on the Bikmo website Good for: all-rounders, commuters, amateur races, taking a bike on holiday. We analysed standalone bicycle insurance policies, reviewed the cover (and exclusions) and worked out our best by those which pay back the most compared to how much they cost. It is possible to cover certain risks using a combination of home, health and travel insurance. Bikmo was named Best Bicycle Insurance Provider at the 2016 Insurance Choice Awards. by the Financial Conduct Authority - Register number 652623. The best reason to get an e-bike is that they are environmentally friendly and emit absolutely zero harmful emissions. Bicycle insurance provides a cover against all such values. from theft, damage and vandalism, loss by an airline or courier, and even when travelling abroad. Bicycle insurance can be worthwhile if you use two-wheeled transportation to commute or run errands. In the table above we’ve taken a look at all of the major cycle insurance companies in the UK and compared their cover to our home and bicycle insurance policy. Bought By Many’s resident roadie found this out after his recent crash and looked into how insurance would have helped. All recommendations within the article are informed by expert editorial opinion. 2019, 1. Start your quote. As well as paying to replace your bike, bike insurance could save you money by getting you back on the road more quickly – especially if you rely on your bike for transport to work or university. Best thermal gloves for men 2020: winter, ski and touchscreen gloves, Best dog Christmas outfit 2020 from dog reindeer costumes to dog elves, The best anti-fog wipes, sprays and cloths to help keep your glasses clear, The 10 cheapest and best value printers you can buy in 2020, ©News Group Newspapers Limited in England No. ... We can also help by providing comparsion quotes from top UK providers of electric bicycle insurance. So you already know how to lock your bike but you have heard the statistics and think that it may be best to get your bicycle insured. However, selecting the best insurance policy for your needs will depend on how you use your bike. And, if you’ve got more than one bike, Bikmo offers a multi-bike discount of up to 50%. The insurer of choice of British Cycling, Bikmo is underwritten by insurance giants Hiscox and has three tiers of cover – Go, Plus and Race. Insurance for bikes, e-bikes and cycling accessories At cycleGuard, we’ve been protecting cyclists and triathletes across the UK for over 20 years against theft and damage to all types of bike including mountain, folding, electric and road as well as cycling accessories inside the … Be sure to always read the small print because there are conditions you have to meet to make a claim, for example, CycleGuard says the bicycle has to be "secured through the frame using an approved lock, to the roof or bike rack or if the vehicle is suitable, stored out of sight". The Guardian ... Bike theft: how to stay safe as UK cycle sales soar Bikmo and Yellow Jersey offer worldwide policies and both have features that payout if your bike or the box it being transported in are damaged in transit. This article and any featured products have been independently chosen by The Sun journalists. Since we launched in 2013, our goal has always been to give you the best variety and selection of cycle insurance companies in the UK. It’s easy to compare insurance based on price – you should always check what … Although a number of well-known brands offer bicycle insurance some of the new companies are created for cyclists by cyclists and may also offer a better level of customer service. It pays out for broken bones, physiotherapy and out-of-pocket expenses you might incur, such as having to get a cab to work for a few days. Custom Parts: A part of your bicycle which is essential to its function and add to the value of your bicycle. Benefits include worldwide cover, new for old replacements as a result of theft or damage, and protection for any family member and their bikes – rather than solely the policy holder – as long as they permanently live with you. Our cyclist offers include 10% off a Bikmo policy. What’s more 10% of your premium is donated to Cycling UK to help fight and lobby for local and national cycling issues. This service is provided on News Group Newspapers' Limited's Standard Terms and Conditions in accordance with our Privacy & Cookie Policy. Taking your bike abroad and on cycling holidays. Bought By Many Ltd is authorised and regulated Bicycle specific companies. But which bicycle insurance should you get? There are other providers on the market you might want to consider, or have heard about and want more information on. The slight downside is that there is an excess for each claim you make of 10% of your policy, but the cover more than makes up for it. You can invalidate your cover by using the wrongs locks or storing a bike incorrectly. Here are some of the things these new companies aim to cover that other policies may not: Cyclists might think they’re aware of the dangers of being in the saddle but there are many scenarios that can cost more than expected or cause major inconvenience if not covered. It covers bikes up to £12,500 and provides good cover for those considering long trips abroad. For other inquiries, Contact Us. Because cycling events vary so much it’s important to check your policy to ensure the events you’re interested in are covered. Wiggle Cycle Insurance have made it easy for you to compare bicycle insurance. The best insurance for different cyclists, 5. What you need to know about triathlon insurance. Many events will require you to have some form of cover before you enter. Although the biggest fear for many cyclists is being injured by a vehicle. Enjoyed our roundup of the best bicycle insurance? Can I insure more than one bicycle on my policy? Some of the more unexpected expenses include paying for a taxi to hospital and work, the cost of takeaway meals if you can’t cook because of a broken arm, getting a physio appointment if the NHS waiting list is too long and lost entry fees for races you can no longer enter. Once you have a price it allows you to add various features such as five year new for old cover, competition use and personal accident cover. In 2018, it launched cheaper cover for entry- and mid-level enthusiasts. Electric bikes and home insurance Before you take out a specialist electric bike insurance policy, check your home insurance to see what cover you have for pedal cycles.. Research has shown that one in three household policies don’t cover bikes away from home. Some providers offer security freebies. ), Carole Nash, Bennetts, BikeSure to name a few.. Each of these companies use a combination of leading UK underwriters, who all have different policy and pricing arrangements. Bikmo was named Best Bicycle Insurance Provider at the 2016 Insurance Choice Awards. Bicycles are quite easy to get stolen and equally difficult to recover and a lock never guarantees that your bicycle will be there when you came back. 24 The Essential cover ticks all of the basic boxes (accidental damage, vandalism, theft, public liability) but also features unlimited new for old cover and a free DNA+ bicycle security marking kit worth £36 with every policy. Good for: serious cyclists, competitions and events in the UK and abroad, high-value bikes, pros, enthusiasts, holidays in Europe. Good for: races and events, teams, all-rounders - you can tailor the policy to your interests. We were not paid to write it but While you might not think you need it, bicycle insurance is the best way to protect you and your bike from any mishaps. Laka offers public liability insurance for just £1 for the rest of 2020, and has a whole host of benefits, including discounts on coffee, magazine subscriptions and bike cleaning products. Get a policy that can cover the full value of your bike if you need a new one. Those sound like the enigmatic arguments for getting any kind of insurance but because cycling is so physical and involves vulnerable and valuable equipment it is something bike riders should consider. Other providers with worldwide policies include Cycleplan, CycleGuard and PedalSure, which says it offers a true worldwide policy without any restrictions. If you have an expensive bike that you use regularly to get around, or if you take part in competitions, bicycle insurance will give you the best cover. For the best experience on the Velosure website, the following browsers are supported: Your version of iOS is not supported. Allows you to set up cover for you first and foremost and your bikes second. For further details of our complaints policy and to make a complaint please click this link: thesun.co.uk/editorial-complaints/, Comments are subject to our community guidelines, which can be viewed, You'll be glad of having insurance if you find your lock like this and bike nowhere to be seen, Laka offers public liability insurance for just £1 per month – perfect if you've just started to commute by bike, Pedalsure covers you and your bike wherever you are – even overseas, The mid-level Essential package is the starting point if you want to cover more than yourself, Opt for the 'Race' tier if you're planning on entering competitions, If you do need to make a claim, you get a full 'new for old' payout, This contents insurance covers your bike when it's in the home, and out and about in the wild, Cycling UK's preferred insurer will cover you and your family, Independent Press Standards Organisation (IPSO). Other plus points include a 60% multi-bike discount and 25% discount at renewal – even if you’ve made a claim. You use your bike every day. Policies come with a free DNA+ marking kit. It covers bikes worth up to £20,000 and is underwritten by Hiscox, an insurer behind many specialist UK policies. Well here is what some of the answers my awesome Twitter followers gave to the question above:. where insurers are listed, it can dictate where they appear in the list. December Or click on the name of the insurer in the table to get a quote. Like Bikmo, Yellow Jersey offers three levels of cover – Essential, Performance and Ultimate – but the various discounts on offer give it a slight edge. Bicycles fitted with an internal combustion engine or other sources of power assistance are generally not covered (these may be considered mopeds and will require different cover). Do I need bicycle insurance? Compare bike insurance in the following order. The below selection are the best cycle-specific providers around. You can see our reviews of the top providers here. and how much should it cost? The Sun website is regulated by the Independent Press Standards Organisation (IPSO), Our journalists strive for accuracy but on occasion we make mistakes. How much can I insure my bicycle for? Good for: all-rounders, commuters, amateur races, taking a bike on holiday. If you have upgraded any components, you must increase the bikes value accordingly. Find out about some of the best winter destinations for cyclists and cover for triathlons at home and abroad. Named after the Tour de France’s iconic leader’s jersey, this insurer’s cover would definitely be on the podium if you had to rank all of the best bicycle insurances. Dedicated cycling insurers have emerged to package the relevant bits of each of those policies into one product. Markel has a policy covering almost any type of motorcycle, including cruisers, touring motorcycles, sport bikes, sport-touring bikes, big twins, street bikes, scooters /mopeds, dirt bikes, trikes and other custom motorcycles. The UK motorbike insurance market is dominated by a selection of brokers, these include Devitt (us! Which might not be great if you want to go on a Rapha trip to the States. Your browser is not supported. Good for: all-rounders, city cyclists, commuters, new cyclists. It covers bikes worth up to £20,000 and is underwritten by Hiscox, an insurer behind many specialist UK policies. ... it's worth trying these extra steps to see if they undercut your best price. Other providers worth considering are Bikmo , PedalSure, CycleGuard, Yellow Jersey and Velosure because of their cycle breakdown feature. It’s almost a cheaper, tailored health insurance policy for cyclists. At Bought By Many we aim to help people understand all of the insurance options available to them and choose a policy that works for their needs. Assetsure’s bicycle insurance is one of the more expensive options for hobbyists, sitting at an annual price of £66, but also reaches the top tier of financial services rating firm Defaqto’s list of bike insurers with a five-star rating. 679215 Registered office: 1 London Bridge Street, London, SE1 9GF. Whether you are popping to the shops, or off on a mountain biking adventure, we know how important your bicycle can be in your everyday life. Many cyclists will have to do this anyway because a British Cycling membership is required to enter most races in the UK. andymatthews yeah all of them with M&S insurance. For example, Bikmo and Yellow Jersey do not provide public liability for the USA and Canada. See Gov.uk for how to do this. we will receive commission if clicking on a link to one of the named insurers Types of Cover Available on an Electric bike Insurance policy. You can buy liability and personal accident cover without insuring your bike. A comprehensive policy for cycling enthusiasts that covers accessories, events, breakdown, race fees and worldwide travel. If you click a link and buy a product we may earn revenue: this helps to support The Sun, and in no way affects our recommendations. Although not required by law to ride on the road in the UK, it's a good idea to have public liability cover in case you cause damage or injure someone else when out on your bike. However, one reliable parameter to compare different bike insurance companies is the Claim Settlement Ratio (CSR). With thieves ready to pounce, get the best locks and insurance to protect your bicycle. Address: 1-10 Summers Street, London EC1R 5BD. So if you value your bike, bicycle insurance is an absolute must. Although you will need normal travel insurance when going abroad, having a cycle policy means your bike is covered and you won't have to pay for extras on your travel cover. While our competitors provide standalone bike policies, we’ve worked to take all of the best bits of a cycle insurance policy and incorporate them into a home insurance policy. Available in three different tiers – Assist, Essential and Elite – all cover you for public liability and personal accidents, including reimbursements for emergency private medical and physiotherapy. And they are unlikely to cover your bike while it is in the hold of a plane. This includes seat posts, saddles, handlebars etc. To find the right bicycle insurance policy you should consider: Maximum cover :If you claim on your bicycle insurance, UK insurers will not pay out to repair or replace your bike beyond this amount. It covers bikes from £400 to £15,000 in value, and your policy will cover theft, damage, public liability, overseas travel and even loss of earnings if you’re injured on your bike and can’t work. But that can be expensive and leave surprising gaps in cover, especially if you don’t have all of those policies. Insurance protects against financial loss and inconvenience when an unexpected event happens. What's more, the insurer currently has an offer where, if you insure a bike worth over £1,500, it’ll throw in a free Hiplok D-lock worth £69.99. Skip to main content. All the standalone bicycle insurance policies we looked at covered ebikes, with most policies specifying that the bike must be a 'pedal assist' bicycle which does not exceed 300 watts. Bicycle crime is serious business in the UK: in 2017, there were around 290,000 bike thefts. If you have to buy a new lock make sure you keep the receipt because if it disappears along with your bike, you’ll need to prove it was secured with an approved device. What’s more, you’ll be paid out the equipment’s original value and won’t have to pay a penny of excess. A new name in the cycling insurance game, Laka has turned traditional insurance on its head. And although a lot of people will rely on their contents insurance to protect their bike if it’s stolen, your bike is generally only covered when it's in the home, and you could increase your annual cover’s cost if you need to make a claim. If your bike is stolen, bike theft insurance can cover the costs of a replacement to get you where you need to … Many home insurance policies will not cover your bike if it is stolen from your car but Yellow Jersey and CycleGuard advertise in-vehicle cover. Temporary insurance. Bicy Insurance offer excellent value bicycle insurance and cycle insurance. We've reviewed cover levels to find the UK's best bicycle insurance companies. To see all content on The Sun, please use the Site Map. That could be an injury, damage to your bike or someone else’s property. But insurance tailored for cyclists is a new development. It acts like a specialist health insurance policy for cyclists and offers payouts for physio and if you break a bone. Updated Some cyclists feel their home insurance provides enough cover for their bike – it includes public liability cover outside your home and may meet the costs of replacing a bike. CycleGuard makes a point of not charging more if you live in a city, which could be beneficial for many commuters. Another way to get a limited amount of insurance is by joining organisations or charities such as British Cycling, Total Cycle Assist or CTC. We work with some fantastic, award-winning insurers that are renowned in the industry at providing first class customer service … Bicycle insurance provides a cover against all such values. We also charge for ... (Statutory Off Road Notification) to say that your bike is off road, parked on private land and won't be used. A Yellow Jersey policy comes with a DNA+ marking kit worth £36 and other companies provide discounts on well-known cycling brands and deals on the first year's premium. The total cost of bicycles stolen from UK train stations is over £1.5m a year, according to Velosure. From personal protection and third-party liability through to covering damage or – in the worst case – your bike being stolen, bike insurance is a relatively cheap way to stay covered, whatever you ride. And they are unlikely to cover certain risks using a combination of home, health travel... Events vary so much it’s important to check with them if there are options for team and coach cover no! 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