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E-bike & bicycle insurance comparison

We know that the bike insurance market, much like cycling itself, can be competitive. While some shy away from competition, we embrace it. It drives us to work harder and smarter to deliver the best possible product and service for you. It’s a win-win.

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Sundays vs. Other bicycle insurers

SUNDAYS
Cycle Guard
Bikmo
LAKA
Yellow Jersey (essential)
PEDALSURE
£500 Bike
£1000 E-bike
£58
£111
£88
£113
£76
£74
£5000 E-bike
£223
£435
£411
£407
£224
£289
£500 Bike
£43
£54
£80
£79
£92
£37
£1000 Bike
£1000 Bike
£65
£70
£117
£119
£107
£74
£5000 Bike
£5000 Bike
£248
£265
£548
£436
£319
£289
Cycle Hire & Transport Reimbursement
Cycle Hire & Transport Reimbursement
up to £500
Accessories
Accessories
Optional up to £5,000
Optional up to £2,500
10% of bikes value or £250
Optional up to £2,000
£250
Optional up to £1,000
Public Liability
Public Liability
14-day cooling-off period
If you decide our policy isn’t for you and you haven’t claimed, you can cancel your policy within 14 days of starting it. We will refund your premium in full.
Optional- £2 mill cover
Optional - £5 mill cover
No (£2mill cover on Plus and Race plans)
Optional- £2 mill cover
£2 mill cover
Optional - £1 mill cover
Personal Accident
Personal Accident
OPTIONAL
Death - £20,000 Permanent blindness - £20,000
Loss of limb - £20 000 Permanent Total Disablement - £20,000
Private Medical - £1,000
Death - £25,000 Permanent blindness - £25,000 Loss of limb - £15,000 Permanent Total Disablement - £25,000 Private Medical - £1,000
Up to £20,000
Optional add on
Death - £5,000 Permanent blindness - £5,000 Loss of limb - £5,000 Permanent Total Disablement - £10,000Private Medical - £250
Optional - three cover levels
Worldwide Cover
Worldwide Cover
Optional (365 days a year, max 90 days per trip)
Optional (365 days a year, max 60 days per trip)
Yes (365 days a year, max 60 days per trip)
Yes (120 days)
No (Ultimate option only)
Optional (30 day / 60 day limit)
Racing Cover
Racing Cover
Optional add on
Optional add on
No (Rage plan only)
Optional
Taxi fare reimbursement
i
Taxi fare reimbursement
If you are involved in an accident or a crash where your bicycle is damaged and it cannot be repaired at the scene, we will reimburse you up to $75 for the cost of transporting you and your bike to the nearest public transportation station, bicycle shop, or your home.
Taxi fare reimbursement
0% Interest on monthly payments
0% Interest on monthly payments
Excess
Excess
Variable between £50, £100 or £200
Variable between £50 to £200
*£500 excess for public liability
10% of the claim or £40 if claim is below £400/ settled in cash
£0
10%, Max £100
£75 or 10% of claim payout
*Comparison based on post code EC3A 6AB, rider DOB 01/01/1980, £100 excess for Sundays.
Date of comparison: 26 Aug 2024
SUNDAYS
Cycle Guard
Bikmo(GO)
LAKA
Yellow Jersey (essential)
PEDALSURE
£500 Bike
£1000 E-bike
£52
£90
£52
£111
£76
£74
£5000 E-Bike
£200
£350
£219
£397
£224
£289
£500 Bike
£38
£40
£49
£76
£92
£37
£1000 Bike
£1000 Bike
£58
£90
£69
£113
£107
£74
£5000 Bike
£5000 Bike
£223
£350
£292
£407
£319
£289
Cycle Hire & Transport Reimbursement
Cycle Hire & Transport Reimbursement
up to £500
Accessories
Accessories
Optional up to £5,000
Optional up to £2,500
10% of bikes value or £250
Optional up to £2,000
£250
Optional up to £1,000
Public Liability
Public Liability
14-day cooling-off period
If you decide our policy isn’t for you and you haven’t claimed, you can cancel your policy within 14 days of starting it. We will refund your premium in full.
Optional- £2 mill cover
Optional - £5 mill cover
No (£2mill cover on Plus and Race plans)
Optional- £2 mill cover
£2 mill cover
Optional - £1 mill cover
Personal Accident
Personal Accident
OPTIONAL
Death - £20,000 Permanent blindness - £20,000
Loss of limb - £20 000 Permanent Total Disablement - £20,000
Private Medical - £1,000
Death - £25,000 Permanent blindness - £25,000 Loss of limb - £15,000 Permanent Total Disablement - £25,000 Private Medical - £1,000
Up to £20,000
Death - £5,000 Permanent blindness - £5,000 Loss of limb - £5,000 Permanent Total Disablement - £10,000Private Medical - £250
Optional - three cover levels
Worldwide Cover
Worldwide Cover
Optional (365 days a year, max 90 days per trip)
Optional (365 days a year, max 60 days per trip)
Yes (365 days a year, max 60 days per trip)
Yes (120 days)
No (Ultimate option only)
Optional (30 day / 60 day limit)
Racing Cover
Racing Cover
Optional add on
Optional add on
No (Rage plan only)
Optional
Taxi fare reimbursement
i
Taxi fare reimbursement
If you are involved in an accident or a crash where your bicycle is damaged and it cannot be repaired at the scene, we will reimburse you up to $75 for the cost of transporting you and your bike to the nearest public transportation station, bicycle shop, or your home.
Taxi fare reimbursement
0% Interest on monthly payments
0% Interest on monthly payments
Excess
Excess
Variable between £50, £100 or £200
Variable between £50 to £200
*£500 excess for public liability
10% of the claim or £40 if claim is below £400/ settled in cash
£0
10%, Max £100
£75 or 10% of claim payout
*Comparison based on post code RG1 1EP, rider DOB 01/01/1980, £100 excess for Sundays.
Date of comparison: 26 Aug 2024

Sundays vs. Other bicycle insurers

Sundays Insurance
Spoke
Markel
$2000
Bike cover
$168/yr
$14/mo
No items found.
/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$5000
Bike cover
$168/yr
$14/mo
No items found.
/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment

Why you should use a specialist e-bike and bicycle insurer over your home and contents insurer?

Insuring your electric bike or bicycle under your home and contents policy might seem straightforward, but does it really cover everything you need? Many home and contents insurers charge high excesses and raise your premiums when you claim. Plus, they may not protect your bike in every situation.

At Sundays, we know that every rider is unique, which is why our cover is designed specifically for your bike. We offer fixed premiums that stay the same, even after a claim. Click here to learn more about why home & contents insurance may not be enough for your bike or e-bike.

Read more on our blog

Home and content

What we cover

Sometimes life throws a spanner in the works. Luckily, that's what bicycle insurance is for.
Icon Home
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.

Icon Accidental bicycle damage
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.

Icon new for old
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.

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.

Icon Malicious Damage exclamation mark
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.

Icon Bicycle
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
Icon Custom Parts
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.

Icon Worldwide or Globe
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.

Icon Route
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.

Icon Wheel
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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Home & Contents insurance vs. Specialist e-bike and bicycle insurance

SUNDAYS
HOME & CONTENTS
Theft from home
Theft away from home
Accidental and malicious damage
Premiums that don’t increase when you claim
Specialist cover for a wide range of bike values
Multi-bike discount
Liability cover for property damage or injuries caused by you while cycling
Optional
Replacement cycle hire
Transport reimbursement
Customer service by cyclists who understand bikes
Not likely
Quick claims turnaround, handled by cyclists
Not likely
Bike Store network support across the UK
Not likely

Sundays vs. Other bicycle insurers

Sundays Insurance
Spoke
Markel
$2000
Bike cover
$168/yr
$14/mo
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$5000
Bike cover
$168/yr
$14/mo
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
$214/year
$32.10/first month $16.54/month thereafter
$2 fee per payment
*Comparison based on publicly available policy information and documentation retrieved from websites of 4 home and contents insurance providers in the UK. Date of comparison: October 2024.

Trust our 15 years of expertise in bike insurance.

Whether for an e-bike or a traditional bicycle, our comprehensive, customisable, and competitively priced coverage offers easy online quotes, quick claims handling, and friendly, expert service.

Driven by a love for riding

Why we love Sundays

Sundays are for riding at the crack of dawn while the rest of the city is asleep, even when the clouds look like rain. They’re also for sleeping in and moving slowly with the sun, exploring wherever your mood takes you. They’re a day for lazy coffee rides, watching your kids taking their first independent pedal strokes in the park, or for having one last crack at your personal best before the weekend melts away. They’re for tinkering, playing, pushing, laughing, and living. Ultimately, Sundays are for you. Wherever they take you, we’ve got you covered on Sundays and beyond.

A man riding a bike across a parking lot

Any questions? call us at
0203 198 2828
or visit our FAQs