Home and contents vs Specialist bike insurance

Make sure that your bike is covered by the experts.

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Alice on a dirt road

Simplify your decision-making with this comparison

Insurance can be confusing, knowing who to insure with, what to insure your bike for, and the list goes on. Whilst insuring your prized possession with the rest of your household contents may seem logical, it might not be the most comprehensive.

At Sundays, we offer specialist bicycle insurance. Our team is made up of cyclists, so when you call in to tell us that your derailleur broke in a crash after someone switched you during a crit, we know what you’re talking about. Our customisable product, competitive prices, and great customer service make us an easy choice.

SUNDAYS
HOME & CONTENTS
Theft from home
Theft away from home
Optional
Malicious damage
Accidental damage
Racing cover
Optional
Worldwide travel cover
Optional
Lifetime new for old
Replacement bicycle hire reimbursement*
Bike rack transport
Fixed premiums that don’t increase when you claim
Taxi fare reimbursement
Multi-bike discount

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

Why Specialist bike insurance over home and contents?

Bicycles are our game, insuring them is what we are all about. Specialist bicycle insurers offer additional coverage for bicycle-specific incidents such as racing and event cover, wheelsets, accessories and cover while traveling or transporting bicycles on bike racks. They also do not have the same hefty excesses as home and contents insurers, and your premiums are less likely to increase when you claim. With Sundays, your premiums will never increase as a result of you claiming, and our excess payments are affordable.

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Home and content

Our clients like us a lot…

Questions for you to ask your insurer.

To determine your bicycle’s cover in your current policy, we've put together some key questions.

  • Do you cover my bicycle if I ride it and crash it?
  • Do you cover my bicycle for theft away from home?
  • Do you provide coverage for bicycles for their full value, or are there cover limits on the policy?
  • Do you provide cover for racing?
  • Do you provide cover for traveling with my bicycle?
  • Do you increase policy premiums after filing a claim?

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.

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.

Icon Aeroplane
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.

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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.

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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