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What we cover

Here you will find a summary of everything covered under our cycle insurance. If you are wondering how we compare to other providers, you can view our cycle insurance comparison table.

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BenefitCovers up toPeople coveredWhere
Theft and Damage Insured valueAnyone on your bicycleWorldwide
Equipment and accessories£250Anyone on your bicycleWorldwide
Get you home cover£100You on your bicycleWorldwide
Replacement Cycle hire£250You on your bicycleWorldwide
Personal Accident£20,000Anyone on your bicycleEurope
Personal Liability£5,000,000Anyone on your bicycleBritain
Cycle Rescue25-mile radiusYou on any bicycleBritain
Loss of Earnings cover£250 per weekAnyone on your bicycleEurope

Triathlon and race event cover

Your bike is covered for theft, accidental damage and vandalism including during triathlon events. Furthermore, your bike is covered against theft when it is left in the transition area. The bike does not need to be locked while it is in the transition areas as long as the area is supervised by a marshal (which is usually the case).

Cycle touring insurance and travel cover

Whilst travelling worldwide (up to 90 days per policy year) you are covered against theft, accidental damage and vandalism. If you are camping, you must ensure that your bike is locked to an immovable object (a sizeable tree would do) and is not left unattended for more than 12 hours.

Insurance cover for electric bicycles, e-bikes and electric assist bikes

If your electric bicycle or pedelec weighs less than 60 kg, has an output not exceeding 250 w, or a speed not exceeding 15.5 mph, we can cover you. Riders of electric bicycles benefit from protection against battery theft and our cycle rescue service that covers mechanical failure. If you have any specific questions please call us on 0333 000 1234.

Up to 40% no claims discount

Not all cycle insurers providers offer a discount on renewal if you haven’t made a claim. We understand that part of taking out insurance is hoping that you won’t have to use it, which is why we offer up to 40% no claims discount as a means of rewarding our customers.

Insurance cover for self-built and custom bicycles

If you have built a bicycle yourself or ride a custom bike, we will be happy to offer you cover based on a valuation from your local cycle shop. See our FAQs for more.

Low excess

Standard excess is 5% of claim value (£50 minimum). Third party claims (£5m third party cover) are subject to an excess of £250. Claims where a bicycle was left unattended in a public place between the hours of 01:00 and 04:00 are subject to a higher excess of 20%, or a minimum of £100. This higher excess also applies to folding bicycles when they are locked in a public place.

Cycle to Work

If you have bought a bike through the Cycle to Work scheme, it can be covered as standard under our policy. We also cover bikes under the Bike to Work scheme.

Hired bikes

We are unable to provide cover for bicycles that have been hired by a company for personal use. Usually, the business you are hiring the bike from will provide adequate cover. If you are a company and are looking for insurance for your fleet of bikes, you will need Cycle Hire Insurance.


For full terms and condition please refer to our policy wording.

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