Bicycle Insurance, Built for Cyclists

Cycle insurance is designed to protect your bike against theft, accidental damage, and loss—whether at home, locked in public, or while riding.

Many standard home insurance policies include only limited bike cover, often restricted by value, storage conditions, or use away from home. Pedal Cover offers specialist cycle insurance and cyclist-focused home insurance—both designed around the realities of owning and riding a bike.

Whether you ride daily, commute, train, or travel with your bike, you need cover that reflects how you actually use it—not a one-size-fits-all policy.

Choose between bike-only cover or insurance that protects your entire cycling setup at home.

Trusted by the cycling community

Why Specialist Bicycle Insurance Matters

Not all bicycle insurance works the same.

Standard insurance policies often treat bikes as just another possession—without considering how they’re actually used, stored, and maintained.

At Pedal Cover, cover is built around real cycling risks and real claims—so when something goes wrong, you get back on the bike as quickly as possible.

Claims expertise

Specialist bicycle insurance claims handled by cyclists.
From carbon road bikes to cargo setups and high-value components, decisions are made by people who understand how bikes are built and used.

Repair-first approach

Where possible, we prioritise repairs over replacements
That means getting you back riding sooner—whether it’s a damaged frame, drivetrain, or essential component.

Parts and supplier access

Direct access to specialist parts and suppliers
We source the right components for modern bikes—without relying on generic substitutes.

Cyclist-first decisions

Decisions made with cyclists in mind
Cover is based on how bikes are actually used—riding, commuting, training—not generic insurance rules.

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What Does Bicycle Insurance Cover?

Cycle insurance is designed to cover the most common risks cyclists face—both at home and while riding. This typically includes theft, accidental damage, and liability, along with protection when your bike is in use, stored, or in transit.

Theft

Cover for theft at home or away, including from sheds, garages, and public places—provided your bike is secured with an approved lock.

Includes:

Theft from inside your home
Theft from locked sheds or garages
Theft from public places when properly secured

Accidental damage

Protection if your bike is damaged while riding, transporting, or handling—whether that’s a crash, impact, or component failure.

Includes:

Crash damage while riding
Frame or component damage
Damage during transport

Liability cover included

Cover if you injure someone or damage property while riding your bike, helping protect you from potentially costly claims.

Includes:

Third-party injury
Property damage
Legal costs (where applicable)

Riding, training, events

Cover while riding on the road, trails, or during organised events—reflecting how cyclists actually use their bikes.

Includes:

Everyday riding and commuting
Sportives and organised rides
Optional cover for events or racing

Where are you covered?

Most bicycle insurance policies cover your bike in the following situations:

At home (house, shed, or garage)
Away from home (when secured with an approved lock to an immovable object)
While riding
During transport (subject to conditions)

Cover depends on meeting policy conditions, particularly around approved locks and secure storage.

Protected by the Peloton

Claims handled by people who genuinely understand bikes

Our cyclist-only risk pool includes road, gravel, cargo and triathlon riders — all insured within the same specialist community.

Claims are handled by former bike mechanics and cycling industry specialists who understand components, specifications and real-world replacement values. This leads to faster decisions, fewer disputes, and better outcomes for riders.

We also work directly with specialist repairers and hold key bike parts in-house, helping reduce delays and get cyclists back on the road sooner.

Claims handled by cycling specialists
Former mechanics and industry buyers on the claims team
Like-for-like replacements based on real bike knowledge
In-house parts stock to speed up repairs
Fewer disputes over upgrades and specifications

Real Bicycle Insurance Claims: What Happens in Practice

Understanding how bicycle insurance works in real situations can make all the difference.
Here are examples of how claims are typically assessed—based on how the bike was stored, secured, and used.

Bike Stolen Outside a Café

Outcome:
✅ Claim approved

What happened:
The bike was locked to a fixed object using an approved lock while the rider stopped briefly.

Why was it covered:
Security conditions were met, so the theft fell within policy cover.

Crash on a Descent

Outcome:
✅ Repair or replacement

What happened:
The rider crashed during a descent, damaging the frame and drivetrain.

Why it was covered:
Accidental damage while riding is included under most specialist bicycle insurance policies.

Bike Stolen from a Shed

Outcome:
✅ Claim approved

What happened:
The bike was stored in a locked shed and secured with an approved lock.

Why it was covered:
Both storage and locking requirements were met.

Bike Stolen from a Car Rack

Outcome:
❌ Claim declined

What happened:
The bike was left on a car rack without being locked to the rack.

Why it wasn’t covered:
The bike wasn’t secured according to policy requirements.

Get Cover That Works the Way You Ride

What Isn’t Covered by Bicycle Insurance?

Bicycle insurance is designed to cover real-world risks, but like all insurance, it depends on certain conditions being met. Understanding what isn’t covered helps you avoid common mistakes and ensures your bike is properly protected.

Unsecured Bikes

Theft claims may be declined if your bike isn’t secured correctly.

Includes:

Not using an approved lock
Not locking the frame to an immovable object
Leaving your bike unattended in public without securing it

Improper Storage

Your bike needs to be stored securely when not in use.

Includes:

Leaving your bike unlocked in a shed or garage
Storing your bike in an unsecured or shared space
Not meeting policy storage requirements

Wear and Tear

Insurance is designed for sudden events—not gradual damage.

Includes:

General wear and tear,
Age-related deterioration
Lack of maintenance

Undeclared Use or Value

Your cover must reflect how your bike is used and what it’s worth.

Includes:

Using your bike for racing if not covered
Not updating the value after upgrades
Incorrect or incomplete information

How to make sure you’re covered

Use an approved lock every time
Secure your bike to something fixed
Store your bike properly at home
Keep your bike value up to date

We’re clear about these conditions upfront—so you can ride with confidence knowing exactly where you stand

How your bicycle insurance fits your life

Cyclists don’t all need the same type of insurance.

Choose bicycle-only insurance for standalone cover, or combine your bike with home contents insurance designed for cycling households.

Bike only insurance

Best if you just want to insure your bike

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.

Home & contents

Best if your bikes are part of your home setup

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.

Common bicycle insurance questions

Cyclists often want reassurance on a few key points before getting a quote. Here are the answers to the questions we hear most.

Does home insurance cover bikes properly?

Most home insurance policies include limited bike cover, often with value caps and restrictions away from home. Specialist bicycle insurance provides broader protection for theft, damage, and riding.

What does bicycle insurance cover?

Bicycle insurance typically covers theft, accidental damage, and liability, whether your bike is at home, locked in public, or being ridden.

What isn’t covered by bicycle insurance?

Claims may be declined if security conditions aren’t met, such as not using an approved lock or storing your bike securely. Wear and tear and undeclared use are also typically excluded.

What locks are required for bike insurance?

Most insurers require an approved lock, often Gold-rated, and for the bike to be secured to an immovable object when left unattended.

Is my bike covered away from home?

Yes, as long as your bike is secured with an approved lock and policy conditions are met.

Am I covered if my bike is stolen from a café or public place?

Yes, if your bike is locked to a fixed object using an approved lock and not left unattended without security.

What happens if I crash and damage my bike?

Most specialist bicycle insurance policies include accidental damage cover while riding, allowing repair or replacement depending on the damage.

Is my bike covered if it’s stolen from a shed or garage?

Yes, provided the storage area is secure and your bike is locked according to policy requirements.

Is my bike covered during transport or in a car?

Cover may apply if the bike is stored securely and out of sight, depending on policy conditions.

Are high-value bikes covered?

Yes, specialist bicycle insurance is designed for higher-value bikes, often exceeding standard home insurance limits.

Can I insure more than one bike?

Yes, most policies allow you to insure multiple bikes under one policy.

Is bicycle insurance worth it?

If you regularly ride, own a higher-value bike, or rely on it daily, specialist insurance provides more appropriate protection than standard cover.

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

When cyclists travel, we’ve got that covered too

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.

On the Better Route

Cycling insight shaped by people who live and work in cycling.

Events, Racing & Community

Bicycle Insurance, Built for Cyclists

Trusted by the cycling community

Why Specialist Bicycle Insurance Matters

Claims expertise

Repair-first approach

Parts and supplier access

Cyclist-first decisions

Get a Quote in Minutes

What Does Bicycle Insurance Cover?

Theft

Accidental damage

Liability cover included

Riding, training, events

Where are you covered?

Protected by the Peloton

Claims handled by people who genuinely understand bikes

Real Bicycle Insurance Claims: What Happens in Practice

Bike Stolen Outside a Café

Crash on a Descent

Bike Stolen from a Shed

Bike Stolen from a Car Rack

Get Cover That Works the Way You Ride

What Isn’t Covered by Bicycle Insurance?

Unsecured Bikes

Improper Storage

Wear and Tear

Undeclared Use or Value

How to make sure you’re covered

How your bicycle insurance fits your life

Cyclists don’t all need the same type of insurance.

Bike only insurance

Best if you just want to insure your bike

Home & contents

Best if your bikes are part of your home setup

Common bicycle insurance questions

Cyclists often want reassurance on a few key points before getting a quote. Here are the answers to the questions we hear most.

When cyclists travel, we’ve got that covered too

On the Better Route

Cycling insight shaped by people who live and work in cycling.

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