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Cycling Insurance

Whether you race or commute on your bicycle, you'll need insurance that suits you

  • A range of cycling insurance products gives you the option to choose the cover you’ll need
  • Worldwide cover for your bike and accessories

Start your cycling insurance quote online with our partner company ONE PRO Insurance

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Features of our cycling insurance include:

Peace of mind while cycling

With our bike and accessories cover, you will have peace of mind that your bikes and accessories are covered if stolen, accidentally damaged or maliciously damaged. You are covered when your bike is at your insured location, out and about, in or on a vehicle, or in the custody and control of an airport, railway or seaport operator.

Replacements and repairs for your bicycle

Our bike and accessories cover includes bike hire, so in the event your cycle is stolen or damaged; we’ll provide you bike hire so that you are not left without wheels. (Hire is not included under theft or damage on accessories.) If the bike or accessories are more than 3 years old, we’ll repair or replace on an equivalent type or specification basis, and of your total sum insured we will pay up to 30% for the value of any accessories which includes clothing, computers, lighting and your parts - as well as bike boxes and spare wheel sets. On the bike, cover carries a limit of 10% insured - the bike has to be in an unusable state.

Public liability cover for cyclists

Our public liability protection cover can provide up to £2 million for a cycle related claim that is brought against you. This covers your legal responsibility to third parties who may be injured, or have their property damaged due to an accident which you are liable.

Cycling legal protection service

Our legal protection service will provide you with up to £50,000 of legal costs for cycle related incidences. If you are involved in a non-fault accident, it will help with recovering costs such as repair of your cycle, damage to clothing/accessories, loss of earnings, any excess and specialist personal injury advice, support and compensation.

Cycling Insurance Claims

Need to make a claim?

If you need to claim please make us aware as soon as possible and ensure that you firstly check your policy certificate to make sure you have the appropriate cover.

It’s helpful to provide as much information as you can ready, so we can get the ball rolling as quickly as possible. You can find a list of information we find useful in your policy wording.

Need some help?

Call their friendly team to talk through the next steps:

0344 856 0897

Or write to them at:

Davies Group, PO Box 2801, Trinity Street, Hanley, Stoke on Trent, ST1 5NA

Cycling Insurance Articles & Guides

There's more to us than your insurance, we learn about what we insure and we love to share the knowledge:

cycling social


Five Great UK Cycling Holiday Destinations

You don’t need to head abroad for your cycling holiday - the UK is home to a huge variety of cycling routes that cater to all skill levels, with plenty of scenic destinations that should not be missed. We’ve picked five of our favourite cycling holiday destinations in the UK.

Camera in forest

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Guide to Photography Insurance

Why do you need photography insurance, what does a photography insurance policy typically include and what are some common exclusions? Read our guide to find out more about photography insurance.

Hobby To Career

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Turning Your Hobby into a Career

Almost two in five employees (39%) are so fed up at work that they’re thinking of leaving their job to start their own business. Research from Towergate Insurance reveals that men are currently more willing to take the plunge and start a new venture, with 44% considering starting up their own business, compared to 34% of women.

Dog in cafe


Dog Days Out: Perfect Places to Take Your Pooch

When you've added a new furry friend to the family the last thing you want to do is leave them behind when you go off on a day out. Thankfully there are lots of places you can take the whole family, so we've put together a list of dog-friendly days out that your pup may enjoy even more than you!

Cycling Insurance FAQs

I have paid to enter a race but can no longer take part - am I covered for this?

Our bike and accessories product include race fee reimbursement, so if you have paid to participate in an organised cycling event and are unable to take part due to circumstances beyond your control, we could cover the cost of the race fee up to £500, travel, accommodation and hire an alternative bike up to £250.

Can you cover me if I am not a UK resident?

Unfortunately, our cycling insurance is only designed for those who reside in the UK (excluding the Isle of Man and the Channel Islands).

I am travelling overseas for a race; will you cover me?

Yes - we offer cover no matter where you cycle. We will cover your bike and accessories anywhere in the world.

I cycle to work every day - what will be covered if have an accident?

As part of our personal accident product, we offer various levels of personal accident cover. Silver and Gold packages also include weekly payment benefit whilst you recover from an accident. Should your injury prevent you from commuting to work on your bike, the weekly payment will cover your travel cost or loss of earnings.

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