If you prefer separate cycle insurance not linked to your home policy, we have a great product you can tailor to fit your requirements.
We provide theft and accidental damage protection for your bikes and leave the rest up to you.
Mix and match the options, and get exactly the cover you need.
You can quote and buy a policy in just a few minutes online.
Our Omnium cycle insurance policy allows you to add bikes with a total value of £50,000 and a £15,000 single bike limit.
What’s more, all of your family living in your household will get the same level of cover as the policyholder.
Finally, we also provide £100,000 worth of legal expenses free.
Our customers get access to discounts from some of the best cycling, triathlon, outdoor, and lifestyle brands in the UK.
If you’re looking to upgrade a power meter, buy some new outdoor clothing or equipment, or even looking to buy a new bike, we could save you hundreds.
If you damage somebody’s property or injure another road user while cycling, you could find yourself liable for damages. Pedal Cover cycle insurance has the option of £1 million or £2 million public liability cover.
Protect your bib shorts, jersey, helmet and cycling shoes in case you damage them in a crash. Choose a limit that matches the gear you would be wearing on a ride.
Cover your accessories if they are damaged while riding, or stolen at the same time as the rest of your bike. Accessories are any non-essential part of your bike you could take off and leave at home, such as a Garmin or set of pannier bags.
If you have added a power meter to your bicycle, you can cover it if it’s damaged in a crash, or stolen at the same time as the rest of your bike.
If you have an additional set of wheels, perhaps a set of discs for time trialing, you can add them to your insurance. They’ll be covered for accidental damage and theft.
You’re bikes are covered in the UK with Pedal Cover, but if you are going to be taking them abroad, you can extend your policy to include European or Worldwide cover.
If your bicycle is delayed by an airline or turns up damaged so you can’t ride it on your holiday / at an event, or if you don’t have access to your bicycle during a claim with us, we can cover the cost of a bike rental.
Extend your cover to include non-competitive events such as sportives, charity rides and Gran Fondos, or add race cover to protect your bike during competitive events such as triathlon, time trialing and mountain bike racing.
We will cover any non-refundable event entry fees if an illness or injury prevents you from taking part. Excludes any pre-existing conditions.
Cover the cost of a taxi home, to the train station, or back to your hotel if you have a breakdown you can’t fix by the side of the road.
Extend your cover to include non-competitive events such as sportives, charity rides and Gran Fondos, or add race cover to protect your bike during competitive events such as triathlon, time trialing and mountain bike racing.
This cover provides all our customers a 24/7 advice line to pursue claims for things like personal injury
Our cycle insurance has core and optional covers,
use the table below to see what’s on offer.
| PERIL | LIMIT | INCLUDED | EXCESS |
| Theft | Up to the sum insured | Yes | £100 |
| If you own a Diamond-rated Sold Secure lock, we will waive your excess whilst away from an insured location. You must prove the lock was used at the time of the theft (e.g. a time-stamped photo of the lock when you left your pedal cycle or the remains of the cut lock) | |||
| Accidental Damage | Up to the sum insured | Yes | £100 |
| Legal Expenses | Up to £100,000! The UK only | Yes | None |
| PERIL | LIMIT | INCLUDED | EXCESS |
| Public Liability | Up to £1m or £2m (! Excludes USA or Canada) | Optional | None |
| Helmet & Clothing | Up to £250, £500, £750 or £1,000 | Optional | £50 |
| Accessories | Up to £250, £500 or £750 | Optional | £50 |
| Power Meters | Up to £500, £750, £1,250 or £3000 | Optional | £100 |
| Additional Wheelsets | Up to £1,000, £1,500, £2,500 or £5,000 | Optional | £100 |
| Event Participation | Sportives/Gran Fondos or Full Race Cover | Optional | n/a |
| Cover Abroad | Europe or Worldwide Cover | Optional | n/a |
| Bike Boxes | Up to £1,000, when selecting Cover Abroad | Optional | £100 |
| Cycle Hire | Up to £500, £750 or £1,000 | Optional | £50 |
| Event Withdrawal | Max 2 claims a year, up to £500 or £1,000 | Optional | £50 |
| Taxi Reimbursement | Max 2 claims a year, up to £50, £100 or £150 | Optional | None |
| Personal Accident (the limits below are capped per incident) | Optional | None |
| Limit | Death | Total Disablement | Loss of sight | Loss of limbs | Physio Cover | Broken Bones | Hospital Benefit | Emergency Dental |
| Level 1 | £10,000 | £10,000 | £10,000 | £10,000 | £150 | £75 | £0 | £100 |
| Level 2 | £25,000 | £25,000 | £25,000 | £25,000 | £300 | £150 | £30 | £175 |
| Level 3 | £50,000 | £50,000 | £50,000 | £50,000 | £500 | £250 | £30 | £250 |
| TYPES OF RIDING | INCLUDED | Location OPTIONs | DURATION OUTSIDE UK |
| Leisure | Yes | UK, Europe, Worldwide | up to 90 days if selected |
| Commuting | Yes | UK, Europe, Worldwide | up to 90 days if selected |
| Non-competitive Events | Optional | UK, Europe, Worldwide | up to 90 days if selected |
| Racing | Optional | UK, Europe, Worldwide | up to 90 days if selected |
| Family Cover | Yes | UK, Europe, Worldwide | up to 90 days if selected |
| Courier Cycling | Not Available | Not Available | Not Available |
Mon to Fri from 9 am to 5 pm
The Old Mill, Ewenny, CF35 5BN
0800 121 4424
