Bicycle insurance, built to flex around your life

Bicycle insurance typically covers theft of your bike at home or away, accidental damage while riding or handling your bike, and third-party liability if you injure someone or damage property while cycling. Cover is designed around real cycling risks rather than generic household assumptions, with options depending on how and where you ride.

Yes.

Bicycle insurance can cover multiple bikes under one policy, with each bike insured at its correct value. This works whether you own different bikes for different types of riding, such as road, gravel, triathlon, or time trial etc.

Bicycle insurance can cover riding, training, and participation in organised events, depending on the level of cover you choose. This allows cyclists to insure everyday riding as well as performance disciplines, including crit racing, triathlon, and other competitive events.

Yes. Bicycle insurance includes third-party liability cover, protecting you if you injure someone or damage property while cycling. This applies whether you are riding for leisure, commuting, or training, in line with your policy terms.

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 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.

Yes. Gravel bikes are covered under our bicycle insurance in the same way as road bikes, subject to the policy terms and riding conditions.

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.

Yes. Bicycle insurance is available on a monthly rolling basis, allowing you to make changes or cancel your cover in line with the policy terms. This flexibility is designed to adapt as your riding, equipment, or circumstances change.