Our home + bicycle insurance policy is pretty special
There are lots of stand-alone bicycle insurance companies and there are lots of home insurers. But no one offering both things in one simple policy for dedicated cyclists and triathletes.
Pedal Cover is the UK’s only combined home and bicycle insurance specialist and is 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 all of your home buildings and contents, in a single combined policy.
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HOME INSURANCE BUILT FOR CYCLING
We've got all the bells and whistles covering your home for building and contents plus additional cycling benefits too. Click each of the covers below to reveal more info......
Race Withdrawal Cover
Not only do we cover you while competing, we also cover 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.
Public Liability
All cyclists should consider third party liability cover to protect them in the event they damage someone else’s property, or injure another road user. Our home insurance automatically provides up to £2 million in public liability cover for cycling.
Taxi Reimbursement
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.
Helmet & Clothing
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 cover protects not just your bike but everything else you need to enjoy your passion the max.
Multi Bicycle Cover
You can insure as many bikes as you like under the same policy. 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.
Cover in Transition
Imagine competing in a triathlon and getting to the transition area to find your bike or parts have been stolen…..it’s the stuff of nightmares! Fear not, our policy includes transition cover protecting your bike and accessories.
Crash Damage
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.
Airline Cover
Travelling abroad with your bike? Our policy covers you if your bike or bike box are damaged on a plane.
Theft from a Vehicle
If you are taking your bike to a trail centre or race, there is a good chance you will need to leave it unattended at some point. With our insurance you can simply hide it away it in your car or van, lock the doors, and we’ll cover it for theft.
Theft Away from Home
We have security requirements you need to follow, but if your bike is stolen from your home, car, or while on holiday, it’s covered by Pedal Cover
Legal Expenses
We include £50,000 in legal expenses on both policies to look after you should need to claim against a third party if you have suffered a personal injury.
Personal Accident
All of our packages cover you for Physio, Dental and Permanent injury.
COMPARE PEDAL COVER VS PODIUM
Our home + bicycle policy has two levels of cover, Pedal Cover our core product, and Podium which gives you that little bit extra.
Our policies have all the covers you'd expect from a top notch home insurance. You can see what's covered and compare our two levels of below.
| Pedal Cover | Podium | |
| Buildings Blanket Limit | £750,000 | £1,000,000 |
| Storm or flood | Covered | Covered |
| Water or oil escaping from fixed water or heating systems | Covered | Covered |
| Trace and Access | £2,500 | £5,000 |
| Theft or attempted theft | Covered | Covered |
| Fire, explosion, lightning, earthquake and smoke | Covered | Covered |
| Being hit by vehicles, aircraft, flying objects and animals | Covered | Covered |
| Subsidence or heave of the site on which your home stands, or landslip | Covered | Covered |
| Vandalism or malicious acts | Covered | Covered |
| Falling trees or branches | Covered | Covered |
| Falling TV aerials, radio aerials, satellite dishes and their fittings | Covered | Covered |
| Frost damage to water pipes and tanks | Covered | Covered |
| Riot, civil unrest, labour disputes or political disturbance | Covered | Covered |
| Weight of snow | Covered | Covered |
| Additional Cover | ||
| Service pipes and cables | Covered | Covered |
| Loss of keys | Covered | Covered |
| Emergency entry to buildings and gardens | Not Covered | Covered |
| Alternative accommodation, kennel fees and storage | £25,000 | £50,000 |
| Clearance costs | Covered | Covered |
| Professional fees | Covered | Covered |
| Government or local authority regulations and requirements | Covered | Covered |
| The time between exchange and completion when selling your home | Not Covered | Covered |
| Sets and suites | Not Covered | Covered |
| Accidental Damage | Optional | Covered |
| Property owner’s liability | £2,000,000 | £2,000,000 |
| Pedal Cover | Podium | |
| 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 flood | Covered | Covered |
| Water or oil escaping from fixed water or heating systems | Covered | Covered |
| Theft or attempted theft from your home | Covered | Covered |
| Theft from outbuildings/garages | £5,000 | £10,000 |
| Fire, explosion, lightning, earthquake and smoke | Covered | Covered |
| Being hit by vehicles, aircraft, flying objects and animals | Covered | Covered |
| Subsidence or heave of the site on which your home stands, or landslip | Covered | Covered |
| Vandalism or malicious acts | Covered | Covered |
| Falling trees or branches | Covered | Covered |
| Falling TV aerials, radio aerials, satellite dishes and their fittings | Covered | Covered |
| Riot, civil unrest, labour disputes or political disturbance | Covered | Covered |
| Additional Covers | ||
| Frozen and chilled foods | Unlimited | Unlimited |
| Loss of keys | Covered | Covered |
| Moving home | Covered | Covered |
| Oil and metered water | Covered | Covered |
| 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 home | Not Covered | £10,000 |
| Contents at university, college or boarding school | Not Covered | £10,000 |
| Downloaded content | Not Covered | £3,000 |
| Garden plants | Not Covered | £2,500 per claim, £500 per plant |
| Birth of a child, religious festivals & weddings / civil partnership | Not Covered | Increase by 10% |
| Title deeds | Not Covered | Covered |
| Business equipment | Not Covered | £10,000 |
| Money in the home | £500 | £750 |
| Guests belongings | Not Covered | £1,000 |
| Sets and suites | Not Covered | Covered |
| Credit Cards | £1,000 | £2,500 |
| Accidental Damage | Optional | Covered |
| 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 | |
| Pedal Cycles | ||
| Theft at and away from the home | Included | Included |
| Accidental damage | Included | Included |
| Pedal cycles maximum limit | £25,000 | £50,000 |
| Pedal cycles single bike 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 |
| Public Liability | £2,000,000 | £2,000,000 |
| Taxi Reimbursement | £100 | £200 |
| Cycle 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 Cover | Podium | |
| Accidental loss and damage unspecified | £2,500 | £5,000 |
| Accidental loss and damage Specified | As per schedule | As 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 box | Covered | Covered |
| Theft or accidental loss of money away from the home | £500 | £1,000 |
| Cover for items abroad | Europe 60 days a year | Worldwide 60 days a year |
| Sets and suites | Not Covered | Covered |
| Repair Guarantee | 12 months | 12 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 Cover | Podium | |
| Family Legal Protection | £50,000 | £50,000 |
| Employment Disputes | Covered | Covered |
| Contract Disputes (including sale of property) | Covered | Covered |
| Property Protection | Covered | Covered |
| Tax protection | Covered | Covered |
| Personal Injury | Covered | Covered |
| Legal Defence | Covered | Covered |
| Jury service and court attendance | Covered | Covered |
| Clinical Negligence | Covered | Covered |
| Identity Theft Legal Expenses | Covered | Covered |
Providing Home and Cycle Insurance across the UK
Combining home and bike 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 bicycle insurance policy as part of your home and contents insurance.
Multi-bike as standard
Pedal Cover home insurance allows you to add bikes 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 bike 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 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 Pedal Cover, 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 insurer, 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 Pedal Cover 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 the Pedal Cover team, and our underwriters at NIG.
NIG are the experts when it comes to home insurance claims, and are able to provide enormous resource to settle home insurance claims incredibly efficiently.
We are the bicycle insurance experts and deal with any bike insurance claims personally.