Cycling Insurance

Cycling Insurance

Whether you race on your bicycle, take part in worldwide events or ride recreationally, you'll need cycling insurance that suits you. Get back on the road quickly if your bike is damaged with repairs and replacement bike hire.

0344 892 1572

Monday to Friday, 9am to 5pm

About Cycling Insurance

Cycle Theft

Cycle theft, loss and accidental damage cover

Choose to add up to £20,000 cover for loss of or damage to your bicycle due to theft or attempted theft.


Optional accessories cover

Choose to add up to £4,000 for your bicycle accessories




Worldwide events cover

£500 cover for the reimbursement of organised event fees


Range of cycling insurance products

Select the protection you need with optional Personal Accident and Legal Expenses cover

Features of Cycling Insurance

Cover available

Find out about our cycling insurance policy

Please see below a summary of the key features of our cycling insurance policy. For details of the terms and conditions applicable, download the insurance product information document and policy wording below for full details of the cover available. Note that some restrictions to cover apply.

Theft, attempted theft, accidental or malicious damage

With our flexible bike insurance cover, you have the option to protect your bicycles if they are 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 bicycle policy includes bike hire where the cycle is damaged or stolen and the claim is covered by the policy. So, if you choose to cover your bike for theft and your cycle is stolen or damaged, we’ll provide you with a temporary replacement so that you are not left without wheels. Cover is provided up to 10% of the bike sums insured.

Optional accessories cover

Your accessories are an important part of your cycling kit. You can choose to include accessories cover up to 20% of the value of your bike with the option to include cover for damage or damage and theft to your bike and accessories including your clothing, computers, lighting, and your parts - as well as bike boxes and spare wheel sets when you purchase the policy.

Worldwide events cover

If your bicycle is damaged, or you’re involved in a non-fault accident then you and your bike are covered around the world if you race or take part in events (excluding Egypt, Israel, Morocco and Tunisia). This includes race or event fee reimbursement if you have to cancel or postpone your attendance at the event. So, if you have paid to participate in an organised cycling event and are unable to take part due to circumstances beyond your control (such as a training injury), we could cover the cost of the race fee up to £500. Travel, accommodation and hire of an alternative bike can also be provided, up to £250.

Optional personal accident cover for cyclists

Choose from three levels of cover, up to £20,000, if you’re involved in a cycling accident that results in specified injuries, permanent disability, or death. Also covers physiotherapy, broken bones, hospitalisation and emergency dental expenses relating to your cycling accident.

Add legal expenses insurance to your cycling cover

Our legal protection service will provide you with up to £50,000 of legal costs for cycle-related incidences. If you need to pursue a civil claim following a cycling accident or if you are involved in a non-fault accident, such as damage caused by potholes, it will help with recovering related costs. This could include, the repair of your cycle, damage to clothing/accessories, loss of earnings, any excess, and specialist personal injury advice, support, and compensation. Please note that this does not cover any liability costs.

Cycling Insurance FAQs


How does bicycle insurance work?


Bicycle insurance can cover the cost of repairs or replacement if your bike or accessories are stolen or you’re in an accident and your bike and accessories are damaged. For full details and limits of the cover available, please refer to the policy wording.


What will be covered if I’m involved in a cycling accident?


As part of our optional personal accident product, we offer various levels of cover for additional costs you may experience due to an accident. These can be anything from dental costs or physiotherapy through to additional travel expenses due to not being able to commute to work on your bike or loss of earnings.

What’s more, the bicycle and accessories section of the policy will pick up any damages sustained to your bike or kit in the accident.

And, if you have opted to include Legal Expenses, it will also provide you with legal protection to pursue uninsured losses that may have happened due to the fault of a third party. Examples of these are; other road users or the local authorities for poor road management such as dangerous road surfaces/potholes left unattended.


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 or event; will you cover me?


We offer cover if you are taking part in an event or bike race in the United Kingdom and Europe including all countries west of the Ural Mountains, islands in the Mediterranean, Madeira, the Azores and Iceland but not including Egypt, Israel, Morocco and Tunisia. We also offer cover for the rest of the World for temporary trip of no more than 45 days and/or no more than 90 days during the Period of Insurance.

Just make sure that you let us know when and where you’re travelling, that the country or region outside of the United Kingdom is not subject to financial sanctions and/or The Foreign and Commonwealth Office has advised against all travel or all but essential travel and ensure that all reasonable safety precautions are taken while in transit


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


Yes, our bike and accessories product includes race and event 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. An example of this is event cancelation or postponement due to global events. It could also be down to picking up a training injury a couple of days before you are due to compete, which medically rules you out.


Can I pay for my cycling insurance in instalments?


Yes. If you’d prefer to spread the cost of your premiums, you have the option of setting up a Direct Debit to pay your premium by monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

Product and Service Support

Policy Documents

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the Insurance product information document and Policy wording.

Policy wording

Uploaded: 6/6/2022

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Insurance product information document

Uploaded: 6/6/2022

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Legal insurance product information document

Uploaded: 6/6/2022

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View all documents
Policy documents

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Contact the claims team

on 0330 018 2337 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim