Comparing Wiggle Cycle Insurance with Pedalcover

Wiggle are best known for their online retail but also offer cycle insurance. As specialists in this field, here at Pedalcover we wanted to see how our home and bike insurance compares with the policy on offer from Wiggle. What differences are there in the level of cover and how do we compare on cost?


Policy Feature Pedalcover Wiggle
£1 million home buildings cover X
£75,0000 home contents cover X
£2 million public liability in the UK £1m limit
Unlimited bike cover at home (up to £75,000 total contents limit) X
No gold standard lock requirement whilst away from home X
Theft away from home worldwide
Worldwide cover for crash damage
New parts, accessories and bikes automatcially covered for free (within policy limits) X
Airline damage
Transition cover
Accessories, additional wheelsets and additional bikes automatically covered (up to standard policy limits) X
Cover for jewellery, phones, watches and other personal possessions away from home (up to £9000 limit) X
Personal accident cover (for death, loss of limb and loss of sight)
Cycle breakdown cover (taxi fare reimbursement)
New for old up to 10 years X
Replacement bike hire
Race fee cancellation cover X
Excess £100 £100
Price (£5000 bike) £277.13 £517.93

Differences between Pedalcover and Wiggle Cycle Insurance

As the table above illustrates, our comparison highlighted a number of key differences between the two policies.Firstly, the Wiggle policy is limited to the one bike in question whereas the Pedalcover policy doesn’t limit the number or value of the bikes in the home (up to the £75,000 total contents limit) so if there are other bikes in the household they would also be covered by the Pedalcover policy. Then there’s the fact that Pedalcover will replace new-for-old for up to 10 years, something not included in the Wiggle policy. Next, there is the provision of cover for additional items. Wiggle provides cover for accessories of up to £250, whereas Pedalcover will provide cover up to the standard policy limit (£9,000) and this includes cycling clothing and accessories including bike computers, as well as jewellery, phones, watches and other personal possessions whilst away from home.And, of course, the biggest difference of all is that the Pedalcover also includes home contents (up to £75,000) and buildings (£1million) insurance, whereas the Wiggle policy is purely for the bike alone.So, does all this additional cover from Pedalcover come at a price? Our research shows otherwise. In our example, the Pedalcover policy was a massive 46% cheaper than the Wiggle equivalent – a saving of £240! Giving you a nice sum to spend on some new cycling kit. Maybe from an online retailer….

Find out how Pedalcover compares for yourself…. Get a quote now

*Pedalcover quote based on a 3 bedroom, 2 bathroom, 2000 construction, semi-detached house in a SG4 postcode area . Policy holders are 30 years old, married with 2 children and 10 years no claims discount. Policy includes £9000 of personal possession cover and was quoted 20/06/2018.Wiggle Elite Policy Quote accessed 20/06/2018

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