Comprehensive commuter bicycle insurance

Tailored for your daily commute, our policy lets you ride with confidence.

Think home & contents insurance has your commute fully covered? Think again.

Out-of-home coverage

Out-of-home cover

Home & contents insurance is designed to do what the name says - cover the standard contents of your home, in your home.

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While it may provide partial cover for items taken out of the home, home & contents insurance is unlikely to cover your commuter bike for theft away from home, if you crash while riding, or damage or loss while in transit.

We cover your commuter bike while it’s locked at home, out on the town, for damage while you’re riding, in-transit in the UK, and even worldwide if you activate this optional cover.

Value for money

Value for money

While home & contents insurance may provide some cover for your commuter bike, there may be limitations to the value they insure, and they’re unlikely to cover many of the situations unique to cycling.

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Our insurance has been custom-designed to give you comprehensive cover suited to your needs, while maintaining a competitive price. Plus, if you decide this coverage isn’t for you, you can cancel within the 14-day cooling-off period. No questions asked, no penalties.

Unlike most home & contents insurance policies, we also don’t increase your premiums if you claim.

Accessories coverage

Accessories cover

As cyclists ourselves, we know that if it's not on Strava, it didn’t happen - so you’ll want to cycle with your cycling trip computer, heart rate monitor, the latest GPS or even a GoPro.

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There's no such thing as bad weather, only unsuitable clothing, so we can cover your cycling kit and your extra pannier bags that your home & contents insurance might not cover.

Superfast claims handling

Superfast claims handling

As a specialist insurer, we’re not sorting through the many types of claims that may arise for homeowners & renters insurers - we’re dedicated to you and your commuter bike!

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Our team consists of ex-bike mechanics, retired pros, and enthusiast cyclists who are ready to get you back on the saddle as fast as possible.

What we cover

Get cover that's as versatile as your cycling lifestyle.
Theft from and away from home

Getting your bike stolen is just about the worst thing that can happen, but don’t worry - we cover theft from and away from your home.

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Accidental damage

Whether it's a high speed crash or a coffee stop tumble, we’ll get you back on your bike either by repairing your bicycle or replacing the damaged parts.

Transporting your bicycle on a bike rack

If you regularly transport your bike on your roof, chances are that someday you’ll forget your bike is there while driving into your garage. Oops. Don’t worry, we cover your bicycle when you transport it on your car.

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Lifetime new for old

If your beloved machine is pinched, we'll cover your bike new for old. Remember to keep your proof of purchase info, we'll need it for your claim.

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Domestic travel with your bicycle

Entrusting transport of your bicycle to an airline, ship, train, or truck while you’re travelling? No stress. We can cover your bicycle for loss or damage in transit anywhere in the UK.

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Malicious damage

If you lock your bike up and return to find it has been damaged, either by a vandal or by a thief trying to steal it, we’ll cover the costs to repair it to its previous condition.

Taxi fare reimbursement

We will reimburse you up to £250 for the reasonable costs of transportation for you and your bicycle, if your bicycle suffers a breakdown and cannot be repaired at the breakdown scene.

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Replacement bicycle hire

We will reimburse you up to £500 for bicycle hire or the reasonable use of public transport while you await the repair or replacement of your bike, arising from an approved claim.

Comprehensive cover

From local races to worldwide adventures
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Optional accessories & cycling apparel

We love upgrades, gadgets and accessories as much as you do. Insure custom parts fitted to your bicycle, (such as upgraded carbon handlebars or a dropper seatpost), accessories (such as your cycling kit, GPS, or headlight) up to the value of £5,000. You can also cover the kit you’re wearing while you ride.

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Optional worldwide cover

Traveling outside of the UK with your bicycle? Add our optional worldwide cover to extend your cover for up to 365 days abroad (limited to 90 consecutive days per journey). Enjoy stress-free travel with your bicycle covered for loss or damage en route to your destination.

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Optional racing cover

Select racing cover to insure your bicycle if the damage is caused by a specific incident, crash, impact, or road hazard while taking part in a race or event. You don’t have to choose it and pay for it if you don’t want your cover to extend to races.

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Optional extra wheelsets

One set of hoops for racing and another for training? Add additional wheelsets to your policy so you can swap your wheels to suit your ride with total peace of mind.

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Customisable policies where you only pay for what you need

Frequently asked questions

Is my bike covered for theft away from home?

Yes. Unlike most home & contents insurance, your bicycle is covered against theft both from home and away from home.

What should I do if I need to make a claim?

If you ever need to make a claim, here’s what you’ll need to do to help move the process along swiftly:

  • Report the incident as soon as possible by following our claims process here. It is of paramount importance that you contact us within 30 days of a claimable event.
  • Report the incident or loss to the police in the event of a theft, attempted theft, malicious damage/impact.
  • Try your best to prevent any further loss, damage or cost.
  • You’re likely to need the bicycle’s serial number if it has been stolen.
  • All incidents involving theft or attempted theft require a police report to make a claim.

We’re also cyclists here at Sundays, so we understand how stressful any cycling-related incidents can be. If you need any assistance, call us on 0203 198 2828 or email us at [email protected].

What risks am I covered for?

We want to ensure you can always ride with peace of mind, so we’ve designed our product to cover you for a range of out-of-home cycling scenarios including:

  • Theft from & away from home
  • Accidental damage to your bicycle, like crashing
  • Malicious damage
  • Cycling accidents
  • Loss or damage in transit
  • Optional racing cover
  • Optional worldwide cover

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