Cycle Insurance from PedalCover

As a team of cyclists and triathletes, our aim at Pedalcover has always been to provide the best possible bicycle insurance so that people like us can enjoy the sport we love with the peace of mind of knowing that we, and our bikes, are covered.

It’s what led us to develop our ground-breaking home and bike insurance policy, which has enabled thousands of cyclists across the UK to benefit from combining their home insurance with insurance for their bikes in one simple policy, saving themselves both time and money in the process.

However, whilst in the vast majority of cases the home and bike policy offers the best option, we also appreciate that not everyone is able to take advantage of combining the two policies in one.

Which is why we also developed a bike-only policy.

Cycling Insurance That’s Right For You

pedalcover InsuranceOur bike-only insurance policy still provides a great level of cover for you, your bikes and accessories, just without the added bonus of covering your home too. As with all our policies, it’s about providing you with a level of cover that’s right for you and your circumstances.

Home & Bike Vs Cycle-Only Insurance

If any of the following apply to you, then our bike-only insurance is going to be a better option than our home and bike policy:

  •  You participate in activities that are excluded in the home & bike policy e.g. Road Racing.
  •  You live in a house share.
  •  You store your bike in a communal bike store e.g. because you live in a flat.
  •  Your home insurance is not due for some time and/or you are tied in to a policy.
  •  You’ve had a theft claim in the last 12 months.
  •  You live in a flood risk/subsidence area that we cannot provide a quote for.


If you don’t fall into one of the categories above, then it’s likely that our home and bike policy will still offer the best option when it comes to insuring your bike, or bikes. If you’re not sure, contact our team and we’ll be happy to chat through your options.

Key Features of our Bicycle Insurance

  • Accidental damage & theft
    Giving you peace of mind in the event of your bike being accidentally damaged or stolen.
  • £250 cycle accessories
    It’s not just your bike that needs covering, which is why we include £250 cover for accessories as standard.
  • Public liability
    If you’re involved in an accident and cause injury to a third person or damage to their property, we’ll provide cover up to £2m.
  •  Personal accident cover
    Should a crash leave you with life changing injuries or worse, we provide personal accident cover.
  • Up to 60 days in Europe
    The policy will cover you and your bike for trips to Europe of up to 60 days.
  • Cycle rescue
    Mechanicals can unfortunately happen to any of us, but with our cover you won’t be left stranded.
  • Hire of replacement cycle
    Bike off the road for repair? No problem, we’ll cover the cost of hiring a replacement.
  • Competition cover
    Unlike many cycle insurance policy, we’ll cover you for certain levels of cycling racing.


Find Out More

If you’re not sure which policy is right for you or if you just want to chat through your options with a fellow cyclist, give our team a call on 0800 121 4424. Alternatively, click on the link below to get a quote now.

Get a Cycle Insurance Quote



It takes just a few minutes with our easy quote form.