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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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Cover for theft, accidental damage and vandalism

If your bike or any of its insured parts and accessories, is stolen, settlements are paid by cheque. If you damage your bicycle while riding (even if you are competing in a race event) your insurance from ETA will cover you for repairs. Similarly, if your bike should be vandalised we will pay to get it back on the road.

New-for-old

Many insurers will depreciate the value of your bicycle as it gets older, a common example being a 20% decrease in value if your bicycle is just three years old. With ETA Cycle Insurance, you’re reimbursed fully and fairly on a new-for-old basis.

Cover for equipment and accessories

If any of your equipment or accessories are stolen or damaged at the same time as your bicycle, we will cover the costs of replacement up to £250. This element of cover is only available with policies purchased on or after 1 April 2017.

Cycle Rescue: breakdown cover for bikes

The ETA were the first to offer a recovery service for cyclists, included at no extra charge when you take out bicycle insurance. If you are unable to complete a journey due to a crash or mechanical failure, we will pay for the transportation of you and your bike from any road in Britain, with an average response time of 39 minutes. We will take you and your cycle to a railway station, cycle repair shop, back to your car, home, or to alternative accommodation – whichever is nearer. Should you require cover in the rest of Europe, you will need our Cycle Rescue stand-alone policy.

£5m third party insurance

If you injure someone or damage their property or vehicle while cycling, you may need to deal with a civil claim for compensation. ETA cycle insurance will pay out up to £5 million if you find yourself being sued in this way. The 3rd party insurance covers the policy holder on ANY cycle that they have permission to ride.

This part of the insurance policy carries an excess of £250. Claims for theft, accidental damage and vandalism carry an excess of 5% (£25 minimum).

Personal accident cover

Your cycle insurance policy from the ETA will pay out up to £20,000 if you are killed or seriously injured while cycling any bicycle.

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Loss of earnings cover

If you are involved in an accident whilst using your bicycle which results in temporary total disablement, we will pay you up to £250 per week to cover your loss of earnings. This element of cover is only available with policies purchased on or after 1 April 2017.

Triathlon & race event cover 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.  Our third party cover does not apply outside of Britain. 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.

Replacement cycle hire

If your bicycle is stolen or off the road following a claim, we can reimburse you for cycle hire up to the value of £250. This cover is included as standard on every policy.

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

If your electric bicycle or pedelec weighs less than 60 kg and  has an output not exceeding 250 w, we can cover you. Riders of electric bicycles benefit from £5m third party cover, 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 (£25 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 bikes 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 from 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

Questions? Read our Cycle Insurance FAQs