0800 121 4424

Compare cycle insurance with bundled home cover

Share this article

Trying to compare cycle insurance policies can be a complicated and frustrating task. Not only do premiums seem to vary significantly between suppliers, but it can be hard to compare the cover offered by different policies. To help with the process of cycle insurance comparison, we obtained quotes for bikes worth £9,000  from a collection of the UK’s leading cycle insurance companies based on a typical residential scenario*. Our table compares cycle insurance companies on a like for like basis and measures these quotes against our bundled home and bike insurance offering.

Combining home and bike insurance under one policy cuts the hassle and expense of dealing with separate providers. It can be much more cost-effective, as the table below demonstrates. We provide the best of a bike policy combined with the best of a home and contents policy.

Pedal Cover cycle insurance comparison

Podium

£429

Yellow Jersey

Ultimate

£553

Bikmo

Race

£778

CycleGuard

Pick N Mix

£669

Pedal Cover cycle insurance comparison

Podium

£429

Yellow Jersey

Ultimate

£553

Pedal Cover cycle insurance comparison

Podium

£429

Bikmo

Race

£778

Pedal Cover cycle insurance comparison

Podium

£429

CycleGuard

pickin’ mix

£669

Pedal Cover cycle insurance comparison

Podium

£429

Laka

They have a range

£535 - £764

Pedalsure

Pick N Mix

£589

CyclePlan

Pick N Mix

£560

Pedal Cover cycle insurance comparison

Podium

£429

Laka

They have a range

£535 - £764

Pedal Cover cycle insurance comparison

Podium

£429

Pedalsure

pickin’ mix 

£589

Pedal Cover cycle insurance comparison

Podium

£429

CyclePlan

pickin’ mix 

£560

*Pedalcover quote based on a detached bungalow in an IP22 postcode area, 1980-2021 construction. The policyholder is  52 years old, married with no children living at home. He has 6 years no claims discount. It was quoted 28/03/2022. Laka quoted with a £5K and £4K bike accessed + £250 of accessories 01/03/2021. The CyclePlan quote is for one £5K bike and one £4K bike with £250 Cycle accessories, Legal Support, Global Travel, Race & Compete and Personal Injury selected – Quote accessed 01/03/2021. The Pedalsure quote is for one £5K bike and one £4K bike with £250 Cycle accessories, Legal Support, Global Travel, Race & Compete and Personal Injury selected – Quote accessed 01/03/2021. Please visit our competitor’s websites for more information on the quotes provided on this site.

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?

Compare cycle insurance

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.

About our blog

We produce a weekly blog all about cyclin. Why not sign up using your email address. We have a no spam promise!

Recent Posts

Follow Us

Related Posts

Products

Information

Contact us

Mon to Fri from 9 am to 5 pm
The Old Mill, Ewenny, CF35 5BN
0800 121 4424