home insurance for cyclists

Buildings, Contents &
Bicycle Insurance Combined

The UK’s first specialist home insurance policy dedicated to cyclists and triathletes. We combine your buildings, contents and bicycle insurance under one bedroom rated policy to save you money.

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Other products

High Net Worth
Home Insurance

If your possessions exceed £100k or bikes total over £50k; you need high-value home insurance which has generous limits and fewer limitations than our standard home insurance.

Travel Insurance
for Cycling

We offer travel insurance for cyclists covering you no matter what your doing on the bike. Most standard travel insurance doesn't cover you for racing abroad or if you are on a cycling holiday.

Standalone Bicycle
Insurance

If you don't qualify for our home insurance or simply prefer stand-alone bicycle insurance, we have teamed up with Yellow Jersey to offer you the very best cover.

5 STAR REVIEWS FROM TRUSTPILOT

HOME INSURANCE BUILT FOR CYCLING

We've got all the bells and whistles covering your home for building and contents plus additional cycling benefits too. Click each of the covers below to reveal more info......

Not only do we cover you while competing, we also cover you when you can’t make it to your race. If something like illness or injury prevents you taking part in an event you’ve paid for, we will pay you back any non-refundable race fees up to £500.

All cyclists should consider third party liability cover to protect them in the event they damage someone else’s property, or injure another road user. Our home insurance automatically provides up to £2 million in public liability cover for cycling.

If you have a mechanical you can’t fix by the side of the road, don’t even think about pushing your bicycle back to the train station! We’ll cover the cost of a taxi for you and your bike up to £200.

When you start to add everything up – from your helmet to your sunglasses to your gamin, to your shoes – your kit and accessories can cost as much as your bike! That’s why our cover protects not just your bike but everything else you need to enjoy your passion the max.

You can insure as many bikes as you like under the same policy. You’ll get up to £25,000 total value or £10,000 single bike limit increasing to £50,000 total value and £15,000 single bike limit if you choose Podium cover. We’ll ask you to list the bicycles but all your family members will be insured to ride them.

Imagine competing in a triathlon and getting to the transition area to find your bike or parts have been stolen…..it’s the stuff of nightmares! Fear not, our policy includes transition cover protecting your bike and accessories.

If you are in a crash while riding your bicycle, we will cover repair or replacement. This might be as simple as going in to your local bike shop to replace a pair of shifters, or replacing a whole bike. In any case, our in-house bicycle experts will help you through the process.

Travelling abroad with your bike? Our policy covers you if your bike or bike box are damaged on a plane.​

If you are taking your bike to a trail centre or race, there is a good chance you will need to leave it unattended at some point. With our insurance you can simply hide it away it in your car or van, lock the doors, and we’ll cover it for theft.

We have security requirements you need to follow, but if your bike is stolen from your home, car, or while on holiday, it’s covered by Pedal Cover

We include £50,000 in legal expenses on both policies to look after you should need to claim against a third party if you have suffered a personal injury. 

All of our packages cover you for Physio, Dental and Permanent injury.

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Home Insurance for Cyclists

trusted by the pros

vicky holland triathlon bike insurance on home insurance

Vicky Holland - GB Triathlete – Olympic Bronze Medallist, Commonwealth Games Champion

“I am really pleased to work with PedalCover again this season. They provide cover for multiple bikes and for competitors at triathlon competitions around the world. This is of massive value to professional, age-group and amateur triathletes.”

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Bikes

  • Are my bikes covered abroad?

    Yes. With our Pedal Cover product, any named bike is covered in Europe for up to 30 days, any one trip. With our Podium product, any named bike is covered worldwide for up to 60 days, any one trip.

  • Are my bikes covered in transit?

    If you are transporting your own bikes on or in a car, you would be covered for accidental damage and theft (if you adhere to our security criteria). If you hand your bike over to a courier company or common carrier, we would cover the bike for accidental damage so long as the bike is securely packed and you have a receipt for the transit. We would not cover the bike for theft though. If you fly with your bike, we would cover it for theft and accidental damage. The same rules apply; it must be securely packed, with a receipt as proof of transit. If your bike is lost or stolen whilst in the care of the airline, we would cover this so long as you report it to the airline within 72hrs of discovering the loss.

  • Do I have to list every bike in my house, or just the expensive ones?

    If you only want to insure a couple of bikes in your fleet, that's A-OK. Just tell us which ones you want to insure, and list them on your policy. If you claim for a bike that is not listed on your policy, we cannot cover it.

  • Do I need accidental damage cover for buildings and contents to cover my bikes for accidental damage?

    No - the accidental damage section on our contents policies for your typical household possessions (phones, glasses, TVs). The pedal cycle coverage is separate and includes accidental damage as standard. Even if you choose our Pedal Cover tier without accidental damage, your listed pedal cycles are automatically covered for damage.

  • Do I need to list my bike box specifically or is it cover automatically?

    No, it doesn’t need to be listed as the box would be covered under the cycle accessories. Bike boxes are covered up to the price you paid, you will need proof of purchase in the event of a claim.

  • Do you cover cycle accessories?

    Cycle accessories are most definitely covered. We regard accessories as items not essential to the operation of your bike e.g. jerseys, bib shorts, helmets, cycle shoes, saddlebags, cycle computers, bottle cages, bottles, clip-on tri-bars and bike boxes (the list does on...). If you have upgraded components or wheels,  you need to add them to the total value of your bike as these wouldn't be covered under cycle accessories.

  • How should I value my bicycles?

    We do not depreciate pedal cycles. This means in most cases we ask that you insure the pedal cycles at the price you paid for them (whether new or second-hand). There are a few exceptions though. If you bought the bike new from a retailer, with a significant discount, you can insure it for the RRP at the time. If the pedal cycle is an antique or vintage, you can insure it at the valuation provided to you by a suitable shop or expert, (the valuation must be within the last 3 years). If you built the bike up from parts, you can insure it for the sum of all the parts, including any external labour costs (i.e. you can't include your own time).

  • I bought my bike box second hand, is this covered?

    Yes, we will cover the bike box for the price you paid for it. You would need to be able to evidence of purchase, a receipt or email transaction record.

  • I own a second property which is used as a holiday home. I visit every weekend, are my bikes covered under this policy when kept at that address?

    No. We can only insure pedal cycles that are permanently stored at your home, as listed on your schedule. If you keep your bikes at a second address, you should make sure they're covered under a separate policy.

  • My bike is custom built but I have lost all receipts-would this be covered?

    In order for us to agree to the value of a custom build without any receipts, we would need you to email our customer support team so we can agree on a value. In the event of a claim, we'd hate to disagree! It's always best to be on the same page.

  • Claims

  • How do I make a claim?

    Best visit the claims section of our contact page HERE for all the most up to date information.

  • If I make a claim, will it affect my no claims discount?

    Yes.

  • Is there an excess on the policy?

    Yes, there are different excesses applied to the policy depending on which section you're claiming under.

    We provide a selection of excesses for standard perils and fixed excesses for other sections.

    Standard Perils any other Claims Excess £100, £250 or £500
    Accidental Damage Excess £100, £250 or £500
    Personal Possessions £100, £250 or £500
    Pedal Cycles £100, £250 or £500
    Flood Excess if ceded to Flood Re £250
    Escape of Water Excess £450
    Subsidence Excess £1,000
    Additional Excess for flat roof  
    0-25% £250
    25-50% £500

  • Who handles my claim?

    For policies purchased after 01/01/2021 - Building and Contents claims under this scheme are handled by NIG, part of the Direct Line Group. However, as Pedal Cover are the cycling experts, we handle the cycling-specific elements on their behalf. Any family legal claims are handled by DAS, the insurer of the legal protection.

  • Contents & Valuables

  • Are my surfboards, kayaks or other expensive sports equipment covered?

    Sports equipment is covered under our Personal Possessions section. Under our Pedal Cover product, any personal possession over £2,500 needs to be listed if you want it covered, and any personal possession under £2,500 is covered as standard. Under our Podium product, any personal possession over £5,000 needs to be listed if you want it covered, and any personal possession under £5,000 is covered as standard. We cover the sports equipment whilst stored at your home, however, we cannot cover them for accidental damage whilst in use.

  • Do I have to tell you about all my expensive items?

    No, only the items you want insuring. Under our Pedal Cover product, any item over £2,500 needs to be listed if you want it covered, and any item under £2,500 is covered as standard. Under our Podium product, any item over £5,000 needs to be listed if you want it covered, and any item under £5,000 is covered as standard

  • Do you cover matching sets and suites?

    Sets and Suites are covered under our Podium product only. There is no Sets and Suites cover under our Pedal Cover product.

  • How should I value any valuables? (watches / jewellery / art)

    If you purchased a valuable item recently, you should insure it for the price you paid for it. However, for older or collector's items, you should make sure you have a recently dated valuation certificate to prove the value (within the last three years). These should be updated regularly as values can fluctuate significantly, particularly gold.

  • I have a very expensive piece of jewellery which is insured elsewhere. Do I have to list this on your policy as I don’t require you to cover it?

    No, you only need to list valuables that you want insuring under this policy.

  • I use my personal laptop for work purposes-would this be covered away from home?

    Unfortunately not, business equipment (Laptops, printers, photocopiers etc) are only covered whilst in the home.

  • Is my mobile phone covered?

    Personal mobile phones are covered, however mobiles for business use only are not. If you need cover for accidental damage for your phone, and not just theft, you need to make sure you select the appropriate coverage.

  • My partner has an expensive engagement ring, does this need to be listed to be covered?

    We would classify an engagement ring as a 'Valuable' item. Under our Pedal Cover product, any valuable over £2,500 needs to be listed if you want it covered. Any valuable under £2,500 is covered as standard. Under our Podium product, any valuable over £5,000 needs to be listed if you want it covered, any valuable under £5,000 is covered as standard.

  • What's the difference between Pedal Cover and Podium?

    Our home + bicycle policy has two levels of cover, Pedal Cover our core product, and Podium which gives you that little bit extra.
    Our policies have all the covers you'd expect from top-notch home insurance.
    Compare our two levels HERE to see what's covered under each tier for contents, buildings, personal accident, pedal cycles and legal expenses

  • COVID

  • Do I need to let you know if I'm working from home during COVID?

    You and your family cannot use your home for business purposes other than paperwork, telephone calls and computer work.

  • Family

  • Are my child's belongings covered at boarding school or university?

    They are on our Podium cover, up to £10k. There is no cover on our Pedal Cover product for this.

  • Are my family covered under this policy?

    Yes - any family members who permanently resides with you are covered under this policy.

  • What's the difference between Pedal Cover and Podium?

    Our home + bicycle policy has two levels of cover, Pedal Cover our core product, and Podium which gives you that little bit extra.
    Our policies have all the covers you'd expect from top-notch home insurance.
    Compare our two levels HERE to see what's covered under each tier for contents, buildings, personal accident, pedal cycles and legal expenses

  • Home

  • If I live in rented accomodation, do I need buildings cover too?

    No - this is the responsibility of the landlord. You can only insure the contents of the building, as you don't own the building itself.

  • What is heave?

    Heave is the upward movement of the ground normally associated with clay soils that swell as they get very wet. Heave normally creates vertical cracks in the brickwork and windows, distorts doors in their frames and might lift up paths and patios.

  • What is subsidence?

    Subsidence is where the ground beneath a property sinks, pulling the foundations down too. Subsidence is normally caused by clay shrinkage, tree roots growing close to foundations and water washing away soil beneath foundations. Cracks from subsidence are normally diagonal and get wider as they go up.

  • What's the difference between Pedal Cover and Podium?

    Our home + bicycle policy has two levels of cover, Pedal Cover our core product, and Podium which gives you that little bit extra.
    Our policies have all the covers you'd expect from top-notch home insurance.
    Compare our two levels HERE to see what's covered under each tier for contents, buildings, personal accident, pedal cycles and legal expenses

  • Overseas

  • Does the liability section of the insurance cover me whilst I’m abroad?

    Yes. Under our Pedal Cover product, you are covered for up to £2m within Europe for up to 60 days (limited to 30 whilst cycling). For our Podium product, you are covered up to £2m worldwide for up to 60 days (including cycling). However, liability does not extend to the USA and Canada for cycling based activities. If you require this, you should take out appropriate travel insurance.

  • Does this policy include travel insurance?

    No, this is not a travel insurance product. If you require medical, repatriation or cancellation cover, you should take out appropriate travel insurance to cover you for your trip.

  • I plan on taking a few more holidays than usual this year-are you able to increase the limit of unoccupancy from 60 days

    If you intend on leaving your property unoccupied for more than 60 days, please call to see what options you have. If you don't tell us, you may not be covered.

  • Payments and Cancellations

  • Can I cancel my policy at any time?

    Yes. If you cancel your policy before it is due to start, we will return any premium paid in full.
    If you cancel within 14 days of your policy starting or within 14 days of receiving your documents (whichever is later) we will return any premium paid, less our fee.
    If you cancel after 14 days have passed, we will return any premium paid, less our fee and an amount for the period the policy has been in force.
    However, we will not refund any premium if there has been a claim against the policy.

  • Security

  • What locks do I need for my house?

    We have some simple to follow minimum security requirements at Pedal Cover for your home. They differ depending on the building you're locking (house, shed, garage etc).

    Your home or temporary holiday accommodation (but not domestic garages, outbuildings and sheds)
    - You must lock all final exit doors with a deadbolt, and where you have them, all window locks and alarms must be in operation.

    Your domestic garage, outbuilding or shed within the boundaries of your home
    - You must secure all external doors by a deadbolt or a CEN Grade 3 closed shackle padlock, and any window locks must be in operation.

    A self-contained, lockable room with restricted access within a university hall of residence or boarding school.
    - You must lock all final exit doors of the room, and all window locks must be in operation.

    Your vehicle.
    - You must store all items within a closed glove box or covered boot and you must lock all windows and doors including the boot. You must also switch on an alarm if the vehicle has one.

    We also have locking requirements specifically for bicycles, found HERE.

  • What locks do I need to use for my bikes?

    In the instances you need to use a bike lock, you need to make sure its a good one and the object you lock it to is immovable. We insist on Sold Secure locks. Sold Secure is an independent association which tests a wide range of locks which means we can both be sure of the quality and robustness of the lock you're using. If your bike's value is less than £1,500 you need a minimum of a Sold Secure Silver rated lock. If your bike is worth more than £1,500 you need to use a Sold Secure Gold rated lock. For more information, visit our security blog HERE.