Cycling Insurance

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.

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.

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.

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.

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.

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.

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.