Pedal Cover

home insurance with fantastic bicycle cover

There are plenty of specialist bicycle insurance companies, and there are lots of home insurers. Only Pedal Cover offer both things in one simple home policy.

We are the UK’s only combined home and bicycle insurance specialist and are backed by one of the UK’s largest insurers.

Find out how much it will cost you to insure your bicycles for riding in the UK and abroad, plus your home buildings and contents, in a single combined policy.

As a Cycling UK member, you save 10%

5 Star HOME + bicycle insurance covers
Reviews from TRUSTPILOT

bicycle COVER

We've got all the bells and whistles covering your home for building and contents plus the additional benefit of a specialist bicycle insurance section. Click each of the bicycle insurance covers below to reveal more info....

Our bicycle insurance section, not only covers you while competing, it also covers you when you can’t make it to your race. If something like illness or injury prevents you taking part in an event you’ve paid for, we will pay you back any non-refundable race fees up to £500.

We can cover your bicycle gadgets, including items like Garmins. Just make sure you don’t leave these attached to your bike when you pop into the cafe for a Cortado.

If you have a mechanical you can’t fix by the side of the road, don’t even think about pushing your bicycle back to the train station! We’ll cover the cost of a taxi for you and your bike up to £200.

When you start to add everything up – from your helmet to your sunglasses to your gamin, to your shoes – your kit and accessories can cost as much as your bike! That’s why our bicycle insurance covers protect not just your bike but everything else you need to enjoy your passion to the max.

You can insure as many bikes as you like under our bicycle insurance section. You’ll get up to £25,000 total value or £10,000 single bike limit increasing to £50,000 total value and £15,000 single bike limit if you choose Podium cover. We’ll ask you to list the bicycles but all your family members will be insured to ride them. 

Imagine competing in a triathlon or CX race and getting to the transition area to find your bike or parts have been stolen…..it’s the stuff of nightmares! Fear not, our bicycle insurance section includes transition cover protecting your bike and accessories.

If you are in a crash while riding your bicycle, we will cover repair or replacement. This might be as simple as going in to your local bike shop to replace a pair of shifters, or replacing a whole bike. In any case, our in-house bicycle experts will help you through the process.

Travelling abroad with your bike? Our bicycle insurance section covers you if your bike or bike box are damaged on a plane.

If you are taking your bicycle to a trail centre or race, there is a good chance you will need to leave it unattended at some point. With our bicycle insurance cover you can simply hide it away it in your car or van, lock the doors, and we’ll protect it against theft.

We have security requirements you need to follow, but if your bicycle is stolen from your home, car, or while on holiday, it’s covered by our bicycle insurance section

We include £50,000 in legal expenses on both our packages to look after you should need to claim against a third party if you have suffered a personal injury. 

All the bicycle insurance section of both our packages cover you for Physio, Dental and Permanent injury.

COMPARE PEDAL COVER VS PODIUM​

Our fused home and bicycle insurance policy has two levels of cover, our core product, and Podium which gives you that little bit extra. Our policies have all the covers you'd expect from top-notch home insurance plus an amazing bicycle insurance section. You can see what's covered and compare our two levels below.

 Pedal CoverPodium
Buildings Blanket Limit£750,000£1,000,000
Storm or floodCoveredCovered
Water or oil escaping from fixed water or heating systemsCoveredCovered
Trace and Access£2,500£5,000
Theft or attempted theftCoveredCovered
Fire, explosion, lightning, earthquake and smokeCoveredCovered
Being hit by vehicles, aircraft, flying objects and animalsCoveredCovered
Subsidence or heave of the site on which your home stands, or landslipCoveredCovered
Vandalism or malicious actsCoveredCovered
Falling trees or branchesCoveredCovered
Falling TV aerials, radio aerials, satellite dishes and their fittingsCoveredCovered
Frost damage to water pipes and tanksCoveredCovered
Riot, civil unrest, labour disputes or political disturbanceCoveredCovered
Weight of snowCoveredCovered
Additional Cover  
Service pipes and cablesCoveredCovered
Loss of keysCoveredCovered
Emergency entry to buildings and gardensNot CoveredCovered
Alternative accommodation, kennel fees and storage£25,000£50,000
Clearance costsCoveredCovered
Professional feesCoveredCovered
Government or local authority regulations and requirementsCoveredCovered
The time between exchange and completion when selling your homeNot CoveredCovered
Sets and suitesNot CoveredCovered
Accidental DamageOptionalCovered
Property owner’s liability£2,000,000£2,000,000
 Pedal CoverPodium
Contents Blanket Limit£75,000£100,000
Maximum valuables limit£22,500£30,000
Valuables single item limit unspecified£2,500£5,000
Valuables single item limit specified£10,000£15,000
Storm or floodCoveredCovered
Water or oil escaping from fixed water or heating systemsCoveredCovered
Theft or attempted theft from your homeCoveredCovered
Theft from outbuildings/garages£5,000£10,000
Fire, explosion, lightning, earthquake and smokeCoveredCovered
Being hit by vehicles, aircraft, flying objects and animalsCoveredCovered
Subsidence or heave of the site on which your home stands, or landslipCoveredCovered
Vandalism or malicious actsCoveredCovered
Falling trees or branchesCoveredCovered
Falling TV aerials, radio aerials, satellite dishes and their fittingsCoveredCovered
Riot, civil unrest, labour disputes or political disturbanceCoveredCovered
Additional Covers  
Frozen and chilled foodsUnlimitedUnlimited
Loss of keysCoveredCovered
Moving homeCoveredCovered
Oil and metered waterCoveredCovered
Alternative accommodation, kennel fees and storage£15,000£30,000
Contents outside within boundaries of your home£1,000£2,500
Contents temporarily away from the homeNot Covered£10,000
Contents at university, college or boarding schoolNot Covered£10,000
Downloaded contentNot Covered£3,000
Garden plantsNot Covered£2,500 per claim, £500 per plant
Birth of a child, religious festivals & weddings / civil partnershipNot CoveredIncrease by 10%
Title deedsNot CoveredCovered
Business equipmentNot Covered£10,000
Money in the home£500£750
Guests belongingsNot Covered£1,000
Sets and suitesNot CoveredCovered
Credit Cards£1,000£2,500
Accidental DamageOptionalCovered
Personal liability£2,000,000£2,000,000
Employer’s liability£5,000,000£10,000,000
Tenant’s liability£10,000£15,000

We cover pedal cycles listed in your schedule. Below are the maximum limits allowable on each tier.

Pedal Cover Podium
Bicycles
Theft at and away from the home Included Included
Accidental damage Included Included
Bicycle maximum limit £25,000 £50,000
Bicycle single limit £10,000 £15,000
Depreciation from price paid None None
Overseas travel Europe 30 days per trip Worldwide 60 days per trip
Cycling disciplines Excluding: Criteriums, Road Racing, Downhill Mountain Biking All
Taxi Reimbursement £100 £200
Bicycle Hire £25 per day, up to 10 days £35 per day, up to 10 days
Race Fee Withdrawal 1 event up to £250 1 event up to £500
Personal Accident
 Loss of Limb £5,000 £10,000
 Loss of Sight  £5,000 £10,000
 Death £10,000 £15,000
 Physiotherapy up to £350 up to £500
Dental Cover up to £350 up to £500

We cover possessions at and away from the home up to the unspecified limit. If you have items above the unspecified limit (depending on the tier) you must tell us about them and they need to be listed on your schedule to be covered.

 Pedal CoverPodium
Accidental loss and damage unspecified£2,500£5,000
Accidental loss and damage SpecifiedAs per scheduleAs per schedule
Maximum single item limit specified£10,000£15,000
Theft from unattended locked vehicles£500£1,000
Items in a bank or safe deposit boxCoveredCovered
Theft or accidental loss of money away from the home£500£1,000
Cover for items abroad Europe 60 days a yearWorldwide 60 days a year
Sets and suitesNot CoveredCovered
Repair Guarantee12 months12 months

This cover provides all our customers a 24/7 advice line and legal costs up to £50,000 to pursue claims for things like personal injury or disputes with neighbours. 

 Pedal CoverPodium
Family Legal Protection£50,000£50,000
Employment DisputesCoveredCovered
Contract Disputes (including sale of property)CoveredCovered
Property ProtectionCoveredCovered
Tax protectionCoveredCovered
Personal InjuryCoveredCovered
Legal DefenceCoveredCovered
Jury service and court attendanceCoveredCovered
Clinical NegligenceCoveredCovered
Identity Theft Legal ExpensesCoveredCovered

 

home and bicycle insurance from Pedal Cover. Insure your bicycles as part of your home insurance.

Providing Home and Cycle Insurance across the UK

Combining home and bicycle insurance under one policy cuts the hassle and expense of dealing with separate providers, and it can be much more cost-effective. We can provide all the cover of a specialist cycle insurance policy as part of your home and contents insurance. 

Multi-bike as standard

Our core home insurance package allows you to add bicycle with a total value of £25,000 and individual bikes valued to to £10,000. On Podium, you can add up to £50,000 of bikes with a £15,000 single bike limit.

Most home insurance policies impose much tighter limits on the total bicycle value and individual bike value, as well as limited (or no) additional cover while riding your bikes, meaning you might struggle to get sufficient cover.

What’s more, all of your family living in your household will get the same level of cover as the policy holder. 25

home and bicycle insurance from Pedal Cover. Insure your bicycles as part of your home insurance.

home and bicycle Insurance FAQs

No… It’s a lot more than just bicycle theft insurance.

While many home insurance policies cover your bikes for theft from the home, they are unable to cover higher-end bikes or large fleets. Home insurers do not have the extensive network to provide a like for like replacement, or give you that specialist service during a claim.

When you take out a home insurance policy with us, we automatically include essential cover such as crash damage, theft away from home, third party liability, and cover during events, racing or on holiday. We also cover your bike if it is lost or damaged by an airline.

We provide all of the extra covers you would usually have to pay high premiums for with a specialist bicycle insurance company, and we can provide all of this at the same time as your home and contents insurance. 

On our policy, we ask that you let us know about all the bikes you need to cover but we have a high threshold compared to most home insurers.

Our home insurance allows you to add bikes with a total value of £25,000 and individual bikes valued up to £10,000. On Podium, you can add up to £50,000 of bikes with a £15,000 single bike limit.

Most home insurance policies impose much tighter limits on the total bike value and individual bike value, meaning you might struggle to get sufficient cover. 

Yes, absolutely. All of the bikes in your household are covered by our policy, and and the cover extends to every member of your family who uses them. This means if your children are riding expensive bikes or if you are taking several bicycles abroad for a family holiday, you can be comfortable in the knowledge they are covered with no additional premiums to pay.

We have split responsibility between our team, and our underwriters at NIG.

NIG are the experts when it comes to home insurance claims, and are able to provide an enormous resource to settle home insurance claims incredibly efficiently.

We are the bicycle insurance experts and deal with any cycle insurance claims personally. 

As we have seen, the benefits and value of having bicycle insurance far outweigh the risk and potential cost of not having it, but the all-important question is how much is a policy going to cost you? If you opt for the standard home insurance option, then, as mentioned above, the premium can quickly ratchet up once you start specifying the bikes you own and their value. Likewise, a specialist bike-only policy will tend to base the premium price on a percentage (often around 10%) of the value of your bike, which can also start to prove to be expensive. On the other hand, combining the two policies and having both home and bike insurance in one policy can offer considerable savings over buying them separately.

House insurance for bikes

Over 297,000 bicycles are reported stolen in the UK every year, that’s approximately 33 bikes an hour.  Whilst standard buildings and contents insurance cover bicycles in most instances, be aware of common limitations such as:

  • The value of your bike. Often, providers will have strict limits well below the value of your bike.
  • Most home insurers would baulk at £50k’s worth of bikes, the total value of your bicycle fleet.
  • No cover for your bike if it is damaged abroad or during a plane journey.
  • No theft of bicycles from outbuildings or garages.
  • Undervalued cycling kit and accessories (What about your Garmin? Your carbon-soled shoes?)

 

Bicycle only insurance

As your standard home insurance is unlikely to provide sufficient cover, what are your options? Buying a separate bike policy on top of your existing home insurance? Whilst specialist bicycle insurance might start inching into your Have to have category, and it can be both expensive and limited, as this market comparison shows. Don’t underestimate the headache-factor when managing separate insurances, let alone the moment you have to make a double claim if your garage is broken into!

When it comes to spending our money, our purchase decisions fall into two categories – Nice to have’s and Have to have’s. It seems even the cheapest bicycle insurance for the vast majority of the UK’s 3million+ cyclists falls into the first category. Nice to have, but we’d rather save our pennies. And yet, when you consider how vulnerable cyclists are and the high value of our bikes and kit, the question shouldn’t be How much is bike insurance going to cost me? But rather, What will it cost me if I’m NOT insured.

Getting back in the saddle

Whilst the government has announced a review of the Highway Code to tackle close passing and dooring, there’s still a long way to go to ensure cyclists’ safety. If you travel to work or your studies by bike, chances are you’ve had a ‘life flashed before your eyes’ moment – the clip of a wing mirror, the hidden pothole in a dark lane, the lorry that turned left. Whilst you can load up on safety gear – gloves, reflective clothing, clipless pedals – you can’t defend yourself against the unexpected, the erratic or the drunken. So what if you’re involved in such an incident? Are you covered for personal injury? Can you afford to have your bike repaired? Likewise, what if your bike is stolen? Can you afford to splash out on a replacement? A comprehensive cycle insurance policy will cover you for all of these factors and more, making sure you’re not left stranded. It will even cover the taxi fare home after an accident as well as full crash damages. It’ll get you back on your bike that bit faster.

Bicycle insurance is not compulsory in the UK, but it is a sensible precaution. Over the last few years, cycling has become increasingly popular, whether it’s as a healthy and cost-effective means of commuting or wanting to emulate the likes of Froome, Thomas et al. out on the open road. More and more of us are discovering the sheer joy of getting out on our bikes, and whilst for the majority of us, there’s never the need for concern, there are unfortunately some risks involved in getting out on a bike. According to ROSPA* the Royal Society for the Prevention of Accidents, 2016 saw a total of 18,477 cyclists injured or killed in road accidents whilst Cyclist Magazine** report just short of 400,000 bikes are stolen every year in the UK, which is a slightly worrying stat. 

Whether you own a Pinarello, Colnago, Cervelo, De Rosa, Argon 18, Bianchi or another brand of expensive bike, we know that your bike is your pride and joy….your passion.

The Triathlon Industry Association (TIA) has reported that expenditure on bikes in the UK is now worth more than £192m a year, with the average bike costing £2,000.

With so much money being spent, having adequate insurance protection is essential.

While there are a number of bicycle insurance providers in the marketplace if you’re a keen cyclist or triathlete chances are you’ll have more than one bike and lots of accessories.

When you come to insure all of this equipment, you would normally have to take out separate home and cycle insurance, because the cover provided within a standard home insurance policy would not give you enough coverage for your bike. You would also have to specify all of the bikes that you have, pushing the cost of the insurance premium up and often there is a limit placed on the value of your bike. Obviously, that’s not the case with us and we think we are the best bicycle insurance alternative option on the market for expensive bikes.