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 with quick claims, repairs, and replacement bike hire.

About Cycling Insurance


Range of cycling insurance products

Gives you the option to choose the cover you’ll need.


Worldwide events cover

So, you can compete overseas with complete peace of mind.


Back on the road quickly

Quick claims settlement, repairs, and replacement bike hire available.

Direct Debit

Pay by Direct Debit

Split your cycling insurance payments into monthly instalments.

Features of Cycling Insurance

Standard cover

Peace of mind while cycling

With our bike and accessories cover, you will have peace of mind that your bicycles and its 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 (T&Cs apply).

Replacements and repairs for your bicycle

Our bike and accessories cover includes bike hire. So, if your cycle is stolen or damaged, we’ll provide you with a temporary replacement 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. 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 bicycle, cover carries a limit of 10% insured - the bike must be in an unusable state.

Worldwide events cover

You and your bike are covered no matter where in the world you race or take part in events (T&Cs apply). Whether your bicycle and its accessories are stolen or damaged, or you’re involved in a non-fault accident, you can compete with complete peace of mind. 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.

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, 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


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. This means that you can sign up to compete with complete peace of mind.


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?


Yes, we offer cover no matter where in the world you cycle. Just make sure that you let us know when and where you’re travelling and ensure that all reasonable safety precautions are taken while in transit.


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


As part of our 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 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.

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


Call 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