0800 121 4424

Cycle insurance (only). Custom fit for you

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.

Podium finishing cycle insurance reviews

There’s no such thing as too many bikes

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.

Pedal perks

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.

Other polices we offer

Home and bike insurance

Travel insurance for cycling

High value home insurance

Our optional cycle insurance covers at a glance

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

Stories from the Pedal Cover blog...

Our cycle insurance
summary of covers

Our cycle insurance has core and optional covers, 
use the table below to see what’s on offer.

PERILLIMITINCLUDEDEXCESS
TheftUp to the sum insuredYes£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 DamageUp to the sum insuredYes£100
Legal ExpensesUp to £100,000! The UK onlyYesNone
PERILLIMITINCLUDEDEXCESS
Public LiabilityUp to £1m or £2m (! Excludes USA or Canada)OptionalNone
Helmet & ClothingUp to £250, £500, £750 or £1,000Optional£50
AccessoriesUp to £250, £500 or £750Optional£50
Power MetersUp to £500, £750, £1,250 or £3000Optional£100
Additional WheelsetsUp to £1,000, £1,500, £2,500 or £5,000Optional£100
Event ParticipationSportives/Gran Fondos or Full Race CoverOptionaln/a
Cover AbroadEurope or Worldwide CoverOptionaln/a
Bike BoxesUp to £1,000, when selecting Cover AbroadOptional£100
Cycle HireUp to £500, £750 or £1,000Optional£50
Event WithdrawalMax 2 claims a year, up to £500 or £1,000Optional£50
Taxi ReimbursementMax 2 claims a year, up to £50, £100 or £150OptionalNone
Personal Accident (the limits below are capped per incident)OptionalNone
LimitDeath Total Disablement Loss of sightLoss of limbsPhysio 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 RIDINGINCLUDEDLocation OPTIONsDURATION OUTSIDE UK
LeisureYesUK, Europe, Worldwideup to 90 days if selected
CommutingYesUK, Europe, Worldwideup to 90 days if selected
Non-competitive EventsOptionalUK, Europe, Worldwideup to 90 days if selected
RacingOptionalUK, Europe, Worldwideup to 90 days if selected
Family CoverYesUK, Europe, Worldwideup to 90 days if selected
Courier CyclingNot AvailableNot AvailableNot Available

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Contact us

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