Compare cycle insurance with bundled home cover

Comparing UK Cycle Insurance in depth

Whether you cycle to work, hit the trails on your mountain bike, participate in triathlons, or get out on the road for a few miles at the weekend, insurance gives you the peace of mind that you and your bike are protected if things don’t go to plan. Cycling always involves a certain amount of risk but investing in insurance safeguards you financially when the unexpected happens. There are so many things to consider, theft and damage, liability cover and worldwide coverage. With several UK providers to choose from, it isn’t easy to know which policy is right for you. So to give you a hand, we’ve broken down the essential items to look for in a policy when you compare cycle insurance.

Where is your bike covered?

When comparing cycle insurance, it’s worth checking if your home insurance already covers your bike. However, basic home contents insurance usually only covers possessions if stolen or damaged at home – which is not ideal when we’re talking about a bike that is likely to spend a fair bit of time away from home! Other home insurance policies may go further and protect your bike away from home, but it’s likely to be for theft rather than for things like damage to your bike or liability insurance.  Some insurers let you buy supplementary insurance for using your bike elsewhere as an add-on to your home insurance, but it’s usually at a hefty premium. So whilst standard home insurance can provide a level of protection for your bike, it’s worth checking exactly what this means in terms of where the bike is covered.

How much is your bike worth?

Modern bikes not only look great and are great fun to ride, but they can also cost quite a bit too. Standard home insurance policies tend to have low bike value limits meaning that, once again, they won’t be fit for purpose. Specialist “bike-only” insurance will generally have higher value limits, but that also means higher premiums. They also will only tend to charge per bike. No good if, like many of us, you have more than one cycle in the household.

We offer a range of policies to cover even the most extensive bike collections and combines this with home insurance, too, giving you the best of both worlds. It also covers all your cycling kit and accessories, including extra wheelsets, as standard.

Cycling liability cover

The importance of third party cycle insurance is becoming ever more critical, and any policy worth its salt should provide cover for you if you’re involved in an accident proved to be your fault. Whether this is with a pedestrian, another cyclist or a fellow road/trail user, it’s essential to make sure your policy protects you from some potentially costly claims.

Covering damage

Accidents happen, and so the insurance policy must provide cover for these mishaps. A good policy will not only offer crash damage but will also extend this cover worldwide, so your bike is protected wherever you choose to ride it! Besides, make sure you have cover for damage while your bike is in the care of an airline, covering you to and from your trip abroad.

Are you comparing like for like?

Ask yourself the question, how much cycling expertise do the insurers have?

Last but not least, it’s worth considering who is selling you the insurance. Does the provider understand cycling? Seasoned cyclists design our policies with years of insurance experience. Can you say the same when comparing cycle insurance providers? Our in-house team consists of avid cyclists, mountain bikers and triathletes who are always on hand to discuss your options with you. We’re confident that anyone frustrated when comparing cycle insurance options will find an ideal policy with us.