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When it comes to protecting your bike investment, bicycle insurance can provide welcome peace of mind. Getting coverage for your two-wheeled friend guards against theft, accidental damage, and even injury liability stemming from a cycling mishap. Although not always mandatory, bike insurance allows riders to cruise local roads and trails without having to foot the bill for random acts of clumsiness or crime. Customizable policies fit different lifestyles, so mountain bikers, commuters, and recreational riders alike can dial in plans shielding their beloved sets of wheels. For only minor monthly fees, cyclists gain the security to fully enjoy hitting the open road on their chosen steeds.

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Nova Direct Bicycle Insurance

Nova Direct Bicycle Insurance

Bicycle Insurance from Nova Direct can include and offer the following cover(s)

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Included Theft
Included Accidental Damage
Included Personal injury
Excluded Non-UK residents
from £13.49 per year
rated Great on Trustpilot
pay Annually or Monthly
No discounts currently
Eversure Bicycle Insurance

Eversure Bicycle Insurance

Bicycle Insurance from Eversure can include and offer the following cover(s)

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Included Theft
Included Accidental Damage
Included Personal injury
Excluded Non-UK residents
from £22.50 per year
rated Great on Trustpilot
pay Annually or Monthly
No discounts currently
Pedalsure Bicycle Insurance

Pedalsure Bicycle Insurance

Bicycle Insurance from Pedalsure can include and offer the following cover(s)

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Included Theft
Included Accidental Damage
Included Personal injury
Excluded Non-UK residents
from £40.32 per year
rated Excellent on Trustpilot
pay Annually or Monthly
No discounts currently
Cycleplan Bicycle Insurance

Cycleplan Bicycle Insurance

Bicycle Insurance from Cycleplan can include and offer the following cover(s)

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Included Theft
Included Accidental Damage
Included Personal injury
Excluded Non-UK residents
Check Provider
rated Excellent on Trustpilot
pay Annually or Monthly
No discounts currently
It's important to know

Beat That Quotes cannot and do not accept liability for the content displayed on external links. We may receive a commission from the sale of any policy for those providers with a green style "Get Quote" button. The panel information above is checked and updated every 3 months (90 days) and therefore may be slightly out of date. Please contact the bicycle insurance provider directly for discount related issues.

Bicycle Insurance

The Importance of Bicycle Insurance

For avid cyclists, our two-wheeled friends are more than just a mode of transportation or a piece of sports equipment―they're an investment. And as with any major investment, protecting your bicycle against theft, damage, and liability should be a priority for riders. That's where bicycle insurance comes in.

Bike insurance provides coverage for your bicycle and cycling activities, giving you peace of mind while out on the roads and trails. While not mandatory, getting insured can save you significant money if the unthinkable happens to your beloved ride.

What Does Bicycle Insurance Cover?

Bicycle insurance generally includes three core types of coverage to shield your bike from risk:

  1. Theft
  2. Accidental Damage
  3. Public liability

Additional coverage like multi-bicycle and worldwide cover may also be available. Policies can be customized based on your coverage needs and budget.

Why Get Bicycle Insurance?
Who Needs Coverage?

Nearly all types of riders can benefit from bicycle insurance:

If your two-wheeled vehicle gives you freedom and joy out on the open roads, protecting it with insurance just makes sense.

Frequently Asked Questions

Bicycle insurance is a type of coverage specifically designed to protect cyclists and their bikes. It typically covers theft, accidental damage, personal liability, and sometimes medical expenses related to cycling incidents.

Bicycle insurance provides financial protection against risks such as theft, damage, and personal liability. It ensures you can repair or replace your bike without bearing the full cost and protects you from liability if you cause injury or damage while riding.

Bicycle insurance generally covers:

  • Theft: Reimbursement for your bike if it is stolen.
  • Accidental damage: Costs to repair or replace your bike if it is accidentally damaged.
  • Vandalism: Coverage for damage caused by malicious acts.
  • Personal liability: Protection if you are held legally responsible for injuring someone or damaging property while riding.
  • Medical expenses: Coverage for medical costs resulting from a cycling accident (optional in some policies).
  • Accessories: Coverage for accessories like helmets, lights, and locks (if included in the policy).

Exclusions vary by policy but typically include:

  • General wear and tear
  • Mechanical breakdowns
  • Damage from racing or professional events (unless specified)
  • Theft if the bike was not secured properly
  • Intentional damage

Yes, many bicycle insurance policies offer coverage for accessories such as helmets, lights, locks, and cycling computers. Check your policy details to see if accessories are included or if you need to add them separately.

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