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Bicycle insurance is a policy that helps protect you and your bike from loss, theft, accidental damage, or liability if you injure someone or damage their property while cycling.
Despite the advantages of cycle lanes, cyclists remain some of the most vulnerable road users and the likelihood of sustaining serious injuries in a collision is significantly higher than other road vehicles. What's more, bikes are more compact than ever and an attractive item for thieves. It is estimated that every 2 minutes a bike is stolen in the UK!
To protect yourself, you pay a monthly or annual premium to an insurer in exchange for cover. If you need to make a claim, your insurer will cover eligible costs up to the limits of your policy.
Depending on the level of cover selected, this may include:
Covers the cost of repairing or replacing your bike if it is stolen, whether from home, work, or while out riding.
Covers the repair or replacement of your bike if it's damaged in a crash, collision, or other unforeseen incidents.
Financially protects you if you accidentally injure another person or cause damage to someone else's property while cycling.
Can include personal injury cover for yourself, protection for accessories like helmets and lights, or even worldwide cover for riding abroad.
Protect your bike, accessories, and yourself with comprehensive cover, whether you ride to work, for leisure, or across the country. Compare cheap bike insurance quotes today and ride with peace of mind.
Cycling continues to be one of the UK's most popular forms of transport and recreation, with millions of people riding regularly for commuting, fitness, leisure, and everyday travel. Financially protect your investment and mode of transport.
Get a QuoteBicycle theft is a major issue in the UK. Recent household surveys suggest over 180,000 bikes are stolen annually, and additional research shows that 7 in 10 UK cyclists have experienced bike theft at least once with the total cost of thefts across the UK estimated at £2.4 billion. In London alone, around 40,000 bicycles are stolen every year and only a small fraction are recovered by police.
Get a QuoteThe health benefits of cycling include improved fitness, a boost in brain power, and increased wellbeing. But cyclists are among the more vulnerable road users with thousands of minor and fatal injuries occurring each year. Without insurance, replacing a damaged bike could cost hundreds or even thousands of pounds out of pocket.
Get a QuoteThere are several types of cycle insurance cover to consider:
This is the most straightforward option as it protects your bike against theft when it's properly secured, typically both at home and away. This option is usually the cheapest and ideal for lower-value bikes or occasional riders.
Comprehensive policies include theft cover plus protection against accidental damage and sometimes liability cover. Comprehensive bicycle insurance may also offer overseas cover and cover for accessories such as lights and panniers.
To tailor your policy, you can add:
If you accidentally injure someone or damage property
Compensation for injuries you sustain
Protection for helmets, locks, bags, etc.
Cover for cycling abroad
Cover for triathletes and competition enthusiasts
Stay safe on every journey, from short commutes to long weekend rides, with flexible insurance that protects you, your bike and your personal belongings.
Bike insurance premiums vary based on:
The Bike's Value as More Expensive Bikes Cost More to Insure
Your Age and Cycling Experience
Where you Live and How Often You
Ride
Type of Cover Selected and Policy Excess
Security Measures (e.g. Quality Locks)
Top Tips
Compare policies that also protect your accessories like helmets, lights, and cycling tech. It's a simple way to make sure all your essentials are covered on every ride.
Look for policies with reasonable excesses, flexible options, and benefits that suit the way you ride. The best policy is one that gives you peace of mind without compromising on protection.
The right bicycle insurance can give you confidence every time you head out. Compare policies with MoneyExplorer to help you find the right level of cover at a price that suits you.
Finding the best bike insurance shouldn't be difficult. Our comparison tool lets you explore multiple UK insurers, tailor your policy to match your cycling habits, and secure the cover you need in minutes.
