Cycle insurance: quick at‑a‑glance comparison
- Laka: Flexible community‑pricing bike‑only model.
- Bikmo: Broad specialist bike cover with strong all‑round options.
- Sundays: Modular bike insurance with configurable add‑ons.
- Yellow Jersey: Leading option for racing, triathlon and travel‑focused riders.
- Pedal Cover: Home + bike combined policy designed specifically for cyclists.
Laka vs Bikmo vs Sundays vs Yellow Jersey vs Pedal Cover
Laka vs Bikmo: Laka uses a collective pricing model, while Bikmo provides a traditional specialist bike policy with broader options.
Bikmo vs Sundays: Bikmo includes strong all‑round features as standard; Sundays offers flexible, modular add‑ons.
Sundays vs Yellow Jersey: Sundays suits everyday riders; Yellow Jersey focuses on racing and global travel.
Yellow Jersey vs Pedal Cover: Yellow Jersey is bike‑only and race‑oriented; Pedal Cover combines home and bike cover in one policy.
Laka vs Pedal Cover: Laka is bike‑only; Pedal Cover provides a home‑insurance‑based solution designed around cyclists.
If you’re looking for the best cycle insurance in the UK, comparing providers side‑by‑side is essential. Different brands take very different approaches, which can make it hard to understand what you’re really getting. This guide provides a clear, side‑by‑side comparison of Laka, Bikmo, Sundays, Yellow Jersey and Pedal Cover, showing how they differ on theft protection, accidental damage, racing and travel cover, limits, exclusions and pricing. Use this page to quickly compare cycle insurance options and see which type of policy fits your riding, bike value and household setup.
We compare well-known UK cycle insurance brands — Laka, Bikmo, Sundays, and Yellow Jersey — and explain where Pedal Cover is structurally different: home insurance designed for cyclists, with bikes insured within the same policy framework.
Important: This is a high-level guide to help you compare options. Always check the policy wording, eligibility criteria, and what’s included/excluded before buying.
Why compare cycle insurance?
Most riders compare cycle insurance for three reasons: (1) they want confidence their bike is covered where they actually ride and park it, (2) they want clarity on racing/travel options, and (3) they want a fair view of what they’ll pay for cover at their bike value.
What to check when you compare
- Theft away from home – Does cover apply at cafés, work, events, and while out riding?
- Accidental damage – Included as standard, or optional?
- Racing and event cover – Included, add-on, or excluded? How is “racing” defined?
- Worldwide cover – Trip-limited or broader annual cover? Any time caps per trip?
- Replacement basis – New-for-old vs market value settlement.
- Security requirements – Lock standards, unattended rules, and storage conditions (shed/garage/home).
- Excess – Fixed or variable? Does it change by claim type?
- Claims process – Evidence required, timeframes, and whether the process is clear and predictable.
Cycle insurance comparison table (UK) – providers compared side‑by‑side
This table provides a simple overview to help you compare policy structure and typical features. Confirm details with each provider’s policy documents.
| Feature | Laka | Bikmo | Sundays | Yellow Jersey | Pedal Cover |
|---|---|---|---|---|---|
| Policy structure | Bike-only (collective model) | Bike-only | Bike-only | Bike-only | Home insurance designed for cyclists + bikes insured within the same policy |
| Theft (away from home) | ✔ (check conditions) | ✔ (check conditions) | ✔ (check conditions) | ✔ (check conditions) | ✔ (check conditions) |
| Accidental damage | ✔ (policy dependent) | ✔ (policy dependent) | ✔ (policy dependent) | ✔ (policy dependent) | ✔ (policy dependent) |
| Racing / events | Often add-on | Often included / options | Often add-on | Often included / strong focus | Included within cycle-focused home + bike approach (check definitions) |
| Worldwide cover | Optional | Often included / options | Optional | Often included / strong focus | Optional (policy dependent) |
| Accessories / cycling kit | ✔ (limits vary) | ✔ (limits vary) | ✔ (limits vary) | ✔ (limits vary) | ✔ (limits vary; can extend across home contents + cycling kit) |
| Multi-bike household fit | ✔ | ✔ | ✔ | ✔ | ✔ Strong fit (home + multiple bikes under one policy) |
| Unique differentiator | Collective/community pricing model | Specialist bike insurance with broad options | Flexible cover levels and add-ons | Strong racing + travel positioning | Home insurance built for cyclists + bikes insured within the same policy structure |
Best cycle insurance UK: which provider suits which cyclist?
- Laka: Best for riders who like a flexible monthly, community-style model (check add-ons for travel/racing).
- Bikmo: Best for riders wanting a traditional specialist bike-only policy with broad options.
- Sundays: Best for riders who want flexible cover levels and to select add-ons to match their riding.
- Yellow Jersey: Best for racers/triathletes and riders prioritising event and travel features.
- Pedal Cover: Best for cyclists who also want their home insurance built around cycling — especially multi-bike households and riders with valuable kit at home.
Cycle insurance pricing comparison: real UK examples
Pricing varies by bike value, location, security, claims history, and optional cover. The tables below are designed for like-for-like comparisons using the same assumptions across providers.
Assumptions: Policyholder: age 32, Address: CF31 4AT, Bridgend, South Wales, Home: 3 bedroom, 3 bathroom, 2011 build, semi detached, Home Cover: Contents only including bikes with 4 years of no claims
Pricing example A – cycle insurance costs for 2 e-bikes (UK)
| Scenario | Pedal Cover Home Insurance (Standard) | Bikmo |
|---|---|---|
| Bike values | £5,000 & £5,000 | £5,000 & £5,000 |
| Use | Commuting + leisure | Commuting + leisure |
| Includes | Theft, accidental damage, liability, unlimited clothing/accessories, personal accident, taxi cover, family use, European use, some events | Theft, accidental damage, NO liability, £500 clothing/accessories, personal accident, taxi cover, worldwide use |
| Price (monthly) | £34.33 (last checked: Feb 26) | £41.15 (last checked: Nov 25) |
| Notes | Home insurance built for cyclists + bikes insured within the same policy structure | Specialist bike-only policy structure |
Pricing example B – cycle insurance pricing for high‑value bikes + events
| Scenario | Pedal Cover Home Insurance (Podium) | Laka |
|---|---|---|
| Bike value | £15,000 | £15,000 |
| Use | Leisure + events | Leisure + events |
| Includes | Theft, accidental damage, liability, unlimited clothing/accessories, personal accident, taxi cover, family use, worldwide use, racing (incl. road racing & triathlon etc) | Theft, accidental damage, liability, £250 accessories, health & recovery, racing, worldwide use |
| Price (monthly) | £57.15 (last checked: Feb 26) | £117.91 average (last checked: Nov 25) |
| Notes | Home insurance designed for cyclists + insured bikes within one policy structure | Collective/community pricing model (bike-only cover structure) |
Editorial methodology
This comparison guide was compiled using data checked manually by the Pedal Cover team.
On 18 February 2026, a member of the team visited each provider’s website
to review policy documents, cover features, exclusions and pricing structures.
We chose to compare Laka, Bikmo, Sundays, Yellow Jersey and Pedal Cover because
they are widely used UK cycle insurance brands with clear published cover information.
All pricing examples were generated using the same assumptions and verified on the dates shown.
We validate comparisons by reviewing publicly available information, cross‑checking definitions,
and ensuring like‑for‑like scenarios wherever possible.
Cycle insurance vs home insurance: what’s the difference?
Many cyclists start by checking their existing home insurance, but generic home policies often have low single-item limits and exclusions that matter for bikes.
- Generic home insurance may only cover bikes at home and may impose low value limits per bike.
- Many policies exclude theft away from home, accidental damage, or event/racing use.
- A bike claim can affect your wider home policy record, excess, and renewal premium.
- Specialist cycle insurance is typically designed around bikes in transit and out riding, with cycling-specific terms and add-ons.
When a home + bike insurance policy works better than cycle insurance
For many cyclists, the question isn’t just “which bike insurer is best?” — it’s whether it’s better to manage home and bikes together. Pedal Cover’s differentiator is offering home insurance built for cyclists, with insured bikes covered within the same overall policy structure. That can make sense if cycling is central to the household.
Quick navigation
Pedal Cover offers precision-fit insurance for cyclists built around award-winning cycle claims.
One quick quote provides three ways to cover your bikes — bike-only insurance, home contents cover, or buildings & contents cover, all designed exclusively for cyclists.
Get a quote for in under 2 mins and see how you can cover your bikes
Always check the policy wording and what’s included/excluded before you buy.
Useful links for cyclists
FAQs: Cycle insurance comparison
What does cycle insurance comparison usually include in the UK?
It usually means comparing providers side-by-side across theft and accidental damage cover, racing/event options, worldwide protection, excess, security requirements, and how claims are handled.
Is specialist cycle insurance worth it if I already have home insurance?
It can be. Many generic home policies have low bike limits and exclusions for theft away from home, accidental damage, or event use. Specialist cycle insurance is typically designed around real cycling use.
What is the difference between Pedal Cover and bike-only insurance?
Most providers sell a bike-only policy. Pedal Cover’s differentiator is offering home insurance designed for cyclists, with insured bikes covered within the same policy structure. This can suit multi-bike households and riders with valuable kit at home who want one policy, one renewal, and one claims journey.
Does cycle insurance cover racing and sportives?
Some policies include racing/event cover as standard, while others treat it as an add-on or exclude certain event types. Always check definitions of “racing”, “events”, and “competition”.
Does cycle insurance cover travel abroad?
Some cycle insurance policies include worldwide cover for the bike (theft/damage during trips), but travel insurance is usually a separate product covering the rider (medical treatment, cancellation, and disruption). Check both if you’re travelling.
What should I check in the small print?
Key items include lock requirements, unattended bike rules, storage conditions, claims settlement basis (new-for-old vs market value), exclusions for events, and the excess that applies to different claim types.
Disclaimers
- This page is a general comparison guide and does not contain personal advice.
- Cover availability, limits, eligibility, and exclusions vary by provider, bike value, location, and selected options.
- If pricing examples are shown, they should be treated as worked examples on the date checked using consistent assumptions.
- Always read the policy wording and ensure the cover meets your needs before buying.
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