Home and contents vs Specialist bike insurance

Make sure that your bike is covered by the experts.

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A close up of a bike parked against a wallAlice 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
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.

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

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.

Read more on our blog

Home and content

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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?