Find out more about what’s covered in our cycle insurance
One simple policy
For 25 years we have been providing straightforward, affordable bicycle insurance. Whether you use your bike to commute, shop, race or amble in the park, ETA Cycle Insurance has you covered.
Many cycle insurers offer very limited cover, charging extra for features we believe should come as standard – such as third party cover, personal accident or extension of your cover to family and friends. ETA Cycle Insurance provides one fully-comprehensive package for total peace of mind, whatever your cycling needs.
What our customers say
“Thanks to the ETA for the prompt settlement of my claim. I was gutted to fall and damage my bike but the ETA were kind in all their communications and I now have my new bike. I just still need a few repairs on my body!!”
“I bought ETA Cycle Insurance rather than that of a competitor’s primarily because of your willingness to respond to my situation. Every other company I spoke to demanded in no uncertain terms that I spend a large amount of money on an independent valuation, before I even got to the question of the lock. So thanks very much for being so accommodating.”
“My bike claim was processed without fuss or issues. Anyone thinking of insuring their bike should definitely consider the ETA.”
Our charitable work
Every cycle insurance policy you buy helps support the work of the ETA Trust, our charity campaigning for a cleaner, safer transport future.
Do I need cycle insurance?
Cycling is a simple pleasure – a bike can be bought for very little and you don’t require a licence or any specialist equipment. You’re not legally obliged to have cycle insurance, but a good policy protects you against far more than simply the risk of theft.
When choosing which cycle insurance policy is right for you, consider whether it suits your lifestyle and cycling habits.This isn’t as easy as it sounds; every provider offers something different, and the devil is often in the detail, so it really pays to do your homework.
If you have house insurance, you may find it includes a certain amount of cover, but check the small print as you may not be fully protected. For many cyclists, it makes sense to go to a specialist cycle insurer – the ETA is passionate about riding, building and promoting bikes and has been offering specialist cycle insurance cover for over 20 years.
To help you decide which cover is right for you, we’ve put together a comparison table to see how we measure up against other insurers and some of the finer details of the cover they provide.
Cycle insurance developed by cyclists, for cyclists
We’ve been developing and improving our bicycle insurance for over 20 years. It’s the reason we don’t devalue your bike however old it is, or charge extra for benefits such as £1m third party, friends and family cover, cycle breakdown cover or protection when you take your bike abroad.
If your bicycle is stolen, or damaged beyond repair, we do not devalue it – in other words, whether you bought your bike new or secondhand, and even if it’s 5, 10 or 20 years old, we will settle your claim on a new-for-old basis. And because we know how inconvenient it is to be without a bike, we pay up to £250 towards a hire bike following a claim.
We believe these benefits should come as standard and at no additional cost.
What type of cyclist are you?
- Cycle Touring
- Sport Cyclist / Triathlete
- Hobby / Leisure Cyclist
- Road bikes
- Electric Bicycle
- Custom bike builder
Bicycle insurance for commuters
If you bike to work, consider that thieves now target the sheds in cyclists’ gardens as well as the racks outside their places of work. When thieves can’t get past bike locks, they have taken to pinching saddles, wheels and shifters – anything they can remove and sell.
All ETA Cycle Insurance has a low standard excess of 5% (minimum £25), does not insist on a specific level of security for shed locks or garages, and covers vandalism and theft of bike parts, including wheels.
Correctly secured bikes can be left in public places for up to 12 hours at a time, or 24 hours at a railway station.
We also include £1m third party cover as standard to protect you if you are unfortunate enough to collide with a pedestrian, another cyclist or a vehicle while you are riding any bike.
If you should seriously injure yourself while riding your bike, you can be eligible for personal accident benefits of up to £20,000. And if someone else was to blame, our specialist legal team can seek compensation on your behalf.
Getting a puncture on your way to work is a massive inconvenience, so we include Cycle Breakdown cover to get keep you going whether you’ve suffered a flat or any mechanical breakdown. Again, this is included in every policy.
If you ride a folding bike like a Brompton or Dahon to work, you could get up to 20% discount.
Cycle touring insurance
If you take your bicycle on holiday with the family, travel to sporting events across Europe, or go cycle touring further afield, ETA Cycle Insurance extends cover for theft, accidental damage and vandalism to the rest of Europe for 90 days and worldwide for 60 days per year. The policy covers your bike for damage caused while in the care of an airline, rail or coach operator.
Sporting events and triathlon
All ETA Cycle Insurance covers you against theft, accidental damage and vandalism when you are training for, or competing in, races, sportives and other mass-participation, non-professional events. During triathlon events, the insurance covers your bike while it is in the transition zone (as long as the area is being supervised by a marshal, which is usually the case).
Leisure and everyday cycling
If you use your bicycle for pootling about, enjoying the local park or popping to the shops, with ETA Cycle Insurance you benefit from friends and family cover as standard. This means that anyone aged 16 or over is covered against theft, damage, personal liability and cycle breakdown while they are riding your bike with your permission. You are also covered for third party when you are riding any bicycle. We include Cycle Breakdown to get keep you going whether you’ve suffered a flat or any mechanical breakdown.
Road bike insurance
We cover all road bikes up to the value of £5,000. If you use your road bike for commuting or leisure, ETA Cycle Insurance can provide cover against theft and accidental damage of the bicycle and all permanently fixed accessories. If you’ve ever hit a hidden pothole at high speed, you might be aware of the surprising amount of damage it can do, particularly to more lightweight frames. We also provide cover for race events and triathlons, making us an excellent choice if you use your road bike competitively.
Mountain bike insurance
Whether you use a mountain bike for racing, recreation or commuting, you enjoy the full list of benefits available to every ETA cycle insurance policy holder. We are happy to cover bikes that you have built yourself and we cover stolen parts and accidental damage as standard.
Electric bicycles, e-bikes and pedelecs
ETA Cycle Insurance covers all road-legal electric bicycles, e-bikes and pedelecs as standard. If your pedelec weighs less than 60 kg, and its output does not exceed 250 W/15.5 mph, it can be covered under our cycle insurance at no additional cost. Cover includes our full list of benefits. Your battery is covered against theft and we provide Cycle Breakdown cover as standard.
Custom, vintage and self-build bikes
We build our own custom bicycles, so we have first-hand experience of how precious they are, and of what you would expect should they get damaged or stolen. We don’t charge extra for custom, vintage or self-built bikes. If you have an unusual bike you would like to cover we would love to hear from you.