Insurance for bicycles on motorhomes, caravans and campervans

February 3, 2025

three bicycles on the back of a campervan being driven through a sunlit forest road

Motorhomes and campervans offer an enviable freedom to roam – heading for wherever the mood takes you, pulling over for a brew with a view, and waking up somewhere new. And once you’ve parked up, getting about couldn’t be easier: Just bring a bike. Or three.

Bicycles and e-bikes are the perfect companion for this kind of trip, making it easy to nip to the shops or explore your new found surroundings – especially in areas where there are restrictions on parking or motorhome access.

And the best bit? ETA cycle insurance covers bicycles carried on the back of caravans, campervans and motorhomes, or stored inside. If it’s on the back, you can leave it unattended for up to 18 hours—just make sure it’s locked to the rack with an approved lock. If it's inside the motorhome, it doesn’t need to be locked, but if it’s visible through window, cover it up.

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man with bicycle towing the QTvan - the world's smallest caravan, which was built by cycle insurance provider, the ETA
We cover bikes on the back of caravans, or caravans on the back of bicycles.

Potential pitfalls

Bikes - especially e-bikes - add weight, so keep an eye on your motorhome’s legal payload limit. And security is another consideration. Bikes are a tempting target, so a good lock is essential, and insurance - like ETA’s - offers an extra layer of protection.

bicycle on the back of motorhome parked at sunset
Since lockdown, motorhome travel has flourished. Between July 2020 and June 2021, motorhome sales hit an all-time high and the UK’s love affair with motorhomes is still going strong. In 2022, over  11,500 new motorhomes sold.


Insurance for bicycles on motorhomes, caravans and campervans

Every ETA cycle insurance policy covers bicycles and e-bikes on campervans, caravans and motorhomes and includes the following as standard:

• Theft, accidental damage & vandalism
• E-bike battery theft cover
Cycle Rescue (UK and Europe)
• No devaluation of your bike over time
• £2m third party PLUS £20,000 personal accident cover
• Shed and garage storage
• Low standard excess of 5% (£50 minimum)

cargo e-bike being carried on the back of a large breakdown recovery lorry


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We know a thing or two about protecting bikes

It's an unfortunate fact of life; bicycles can break down. Even the shortest journey comes to an abrupt halt if you can't fix a flat tyre, broken chain or buckled wheel at the roadside - and being miles of home on a motorhome trip adds another unwelcome dimension. It's why over 30 years ago we launched Cycle Rescue  - the UK's first breakdown cover for bicycles.

ETA Cycle Rescue covers e-bikes, too. If you ride a road-legal electric bicycle, we’ll cover it against mechanical faults, punctures or a flat battery.

How does Cycle Rescue cover work?

If you suffer a breakdown (including punctures, or even a flat e-bike battery) while out cycling in the UK or Europe, or are unable to continue due to an injury, our 24-hour Cycle Rescue team is on hand to arrange transport for you and your bicycle to a safe location.

Cycle Rescue costs only £24 per year with no hidden extras to pay if your bicycle suffers a breakdown.

The ethical choice

The ETA was established in 1990 as an ethical provider of green, reliable travel services. Over 30 years on, we continue to offer cycle insurance , breakdown cover and mobility scooter insurance while putting concern for the environment at the heart of all we do.

The Good Shopping Guide judges us to be the UK's most ethical provider.

Information correct at time of publication.

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