Cover made for cyclists

Bicycle & cyclist liability insurance

Whether you race, commute, or exercise, we’ve got you and your bike covered for life’s adventures.


What are you covering?

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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No upfront premiums. Cancel anytime without additional fees

Frequently asked questions

Does my cyclist insurance cover me overseas?

Our cyclist insurance does extend worldwide if you have selected worldwide cover. If you have not selected worldwide cover, your cyclist insurance will only cover you in England, Scotland, Wales and Northern Ireland. Public liability cover is not available in the USA and Canada.

What happens if I hit another cyclist and they make a claim against me?

With up to £2,000,000 public liability cover as part of our cyclist insurance offering, we cover personal injury costs and damages to the other cyclist’s bicycle.If you have cyclist insurance and activate worldwide cover, your cyclist insurance includes incidents worldwide; however, public liability cover is not available in the USA and Canada.

Are my legal fees covered under third party cyclist liability cover?

Our £2,000,000 public liability cover will cover your legal fees if you find yourself tied up in a third-party cyclist liability claim against you, and our cyclist insurance includes personal accident cover and emergency medical cover.

How much third party cyclist liability cover do I need?

We often hear the question, “How much cover is enough for me?”With third-party cycling insurers like British Cycling providing Race Gold, Race Silver, and Ride and Commute Members with public liability cover of up to £15,000,000, you might wonder if a mere £2,000,000 is sufficient.However, an accident can be more than just legal costs, which is why our £2,000,000 public liability & personal accident cover allows for a bit more, with added personal accident and emergency medical cover included.

I already have bicycle insurance. Why do I need cyclist insurance?

Bicycle insurance means your bike is covered in many cycling scenarios - but you aren’t.

For example, if you crash your bicycle into the back of a car, damages to your bike will be covered but any damages to the car or injuries won’t be.

Our cyclist insurance cover options include public liability cover for damages to property or injuries to other people caused by you while cycling.

Does cyclist insurance include damage to third party property?

Yes, it does.

Do you also provide public liability cover?

Yes. Our public liability cover comes standard with our cyclist package. You’ll be protected for up to £2,000,000 if you are involved in a cycling accident and cause damage to another person or property.

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