Claims aren’t an afterthought at Pedal Cover — they’re central to what we do.
Our bicycle insurance is built around the outcome every cyclist wants: getting back on the bike as quickly as possible.
Because we only insure cyclists, our cover and claims process are designed around how bikes are actually used, stored, repaired, and replaced — across road riding, gravel cycling, cargo bikes, and performance disciplines such as triathlon — not generic, multi-product insurance call centres.
Claims are handled by people who understand bikes
From road and gravel builds to cargo setups and high-value components, decisions are made with cyclists in mind.
Direct access to specialist parts and suppliers
This means we can source appropriate components for modern road, gravel and cargo bikes — not generic substitutes.
Decisions made with cyclists in mind
Cover decisions are made based on how cyclists actually ride, train and commute — not call-centre scripts or one-size-fits-all rules.
Our cyclist-only risk pool includes road riders, gravel cyclists, cargo bike owners and triathletes — all insured within the same specialist community.
Our claims team includes former bike mechanics and cycling industry specialists who know components, specifications and real-world replacement values. That means fewer disputes, faster decisions, and better outcomes for riders.
We also hold key bike parts in-house and work directly with specialist repairers, helping reduce delays and get cyclists back on the road sooner.
What this means for you:
Protection if you’re legally liable for injury to someone else or damage to their property while cycling.
This includes everyday riding, commuting, long-distance gravel riding, and training for performance cycling disciplines and triathlon.
Ideal for cyclists who want specialist cover for one or more bikes — including road, gravel, cargo and triathlon bikes — without bundling home insurance. Policies are flexible with no annual lock-in.
Designed for cyclists with multiple or high-value bikes stored at home, including larger or specialist bikes such as cargo bikes, with cover extending beyond standard contents policies.
Yes — but we keep it practical.
Your bike is covered against theft at home and when locked in public, as long as you meet the policy’s security requirements. These are based on real-world cycling use, not unrealistic assumptions. We’ll clearly show you what level of lock is required for your bike’s value before you buy, so there are no surprises later.
Absolutely.
You can insure multiple bikes on a single policy, whether you choose bike-only cover or home & contents with cycle cover. Each bike is listed individually, so its value, use, and security requirements are clear.
Absolutely.
We insure all types of bikes — including road bikes, mountain bikes, electric bikes, gravel bikes, cargo bikes and even custom builds.
Yes.
We cover electric bikes that meet UK legal definitions, including pedal-assist e-bikes used for commuting, leisure riding, and training. Batteries, motors, and specialist components are all treated as part of the bike — not awkward extras.
Yes — with the right setup.
Cover applies while riding, training, and taking part in organised cycling events. If you race competitively or take part in specific event types, we’ll make sure the policy reflects that properly, rather than relying on vague exclusions.
Yes — with the right cover in place.
You can extend your bicycle insurance to cover your bike abroad, giving you the same protection for theft and accidental damage as you have in the UK, subject to the policy terms.
If you’re also looking to cover you (and your family) for things like medical expenses, trip disruption, or cycling-related incidents while overseas, you’ll need separate cycle travel insurance. This is designed specifically for riding abroad and includes medical and travel protection alongside your bike.
We’ll always make it clear which cover you need before you travel, so there are no surprises.
You can.
Many cyclists start with bike-only insurance and move to home & contents with cycle cover later — or vice versa. We’ve designed our policies so you can adapt your cover as your circumstances change, without losing the specialist claims handling you signed up for.
Cargo bikes are covered under our bicycle insurance, with cover designed to reflect their higher value and everyday use, subject to the policy terms.
Yes. Triathlon bikes are covered under our bicycle insurance in the same way as road bikes.
Cover is designed around how bikes are actually used, stored, repaired, and replaced, including bikes used for structured training and competition, subject to the policy terms and conditions.
If you can’t find the answer you are looking for after looking through the FAQs, you can call us for help or information, Mon-Fri 9-5 pm on 0800 121 4424
Cycle Travel insurance is designed specifically for cyclists heading overseas to train, ride, or compete — with medical and trip protection built around cycling as the main purpose of travel.
This cover is separate from bike and home insurance, and applies when cycling is the reason you’re travelling abroad, not just something you do while you’re away.
Pedal Cover is pleased to confirm the renewal of its
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Winter has rolled around again, and with it the familiar
Buying for a cyclist can be tricky. Most riders either
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