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 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.
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.
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)