Specialist Home and Cycle insurance

Our home and bike policy is something pretty special

There are lots of bicycle-only insurers 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 first, and only, home and bicycle insurance in the UK and is backed by AXA, the 2nd largest insurer in the world.

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

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Race Fee Cancellation

Not only do we cover you when taking part in cycle races and sportives, we also cover you when you can’t make it to the start line. We know how much some of these races cost, so up to £500 race fee cover comes as standard.

Public Liability

Third party cycling claims against cyclists are far less common than theft and crashes, but they can be much more serious. Our home insurance includes liability cover while cycling. If you injure another road user or damage someone's property as a result of a cycling mishap, you are covered up to £2 million.

Taxi Re-imbursement Cover

If a mechanical breakdown means you end up stuck by the side of the road, there's no need to push your bike home. You can arrange a taxi to take you and your bike home or to your onward destination, and claim up to £200 cost back from us later.

Theft Away from the home

More than 500,000 bikes are stolen every year, so you’ll be pleased to hear our home insurance policy includes bicycle theft insurance. We have security requirements you need to follow, but if your bicycle is stolen from your home, out and about, or while on holiday, it's covered by PedalCover.

Multi-bike cover

We don’t charge per bike, nor do we have any trouble insuring those who have splashed out on something extra special. Whether your household has one bicycle or ten, the premium is the same and you are covered up to £20,000. If you need more cover than this we'll need to ask you a few extra questions, but it's unlikely to be a problem.

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 bicycle and accessories .

Buildings & Contents

How does our policy differ from other bicycle insurance policies online? We insure your bikes plus your home and contents, sometimes for less premium than a specialist cycle insurer will charge for just the bicycles.

Crash Damage

Many home insurance policies will cover bicycles for theft and damage at home, but as soon as you take them out the cover ends. Our home insurance is designed for cycling, and if you have a spill and damage your bicycle, we will cover the cost of repair or replacement.

Airline Cover

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

Helmet and Clothing

When you start to add everything up – from your helmet to your Garmin, your sunglasses 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 to the max.

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.

High single and multi-bicycle values are not a problem

Most home insurance policies struggle to insure expensive, individual bicycles or fleets of bicycles. Specialist bicycle insurers on the other hand add up the value of your bikes and charge high premiums as a result. We don’t require you to list all of your bicycles in advance. Instead, we automatically cover up to £20,000 with the option to increase this limit if necessary.

Is this Just Bicycle Theft Insurance?

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

While many home insurance policies include cover for bicycle theft, in most cases that is where their cover ends.

When you take out a home insurance policy with Pedal Cover, we automatically include essential cover such as crash damage, theft away from home, liability and cover during sportives and racing or on holiday.

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

Is there a limit on bicycle value?

Our cycling home insurance includes £30,000 worth of valuables cover as standard which applies to your bicycles. That means up to £30,000 of bikes are covered at and away from your home.

Most home insurance policies impose much tighter limits on total bike and individual bike value, meaning you might struggle to get sufficient cover. Specialist cycle insurers on the other hand typically charge per bike, based on individual bicycle value and you can end up paying very high premiums as a result.

Does your home insurance include cover for my family's bicycles?

Yes, absolutely. All of the bicycles 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.

Who looks after your bicycle insurance claims?

We have split responsibility between the Pedal Cover team and our underwriters at AXA.

AXA 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 cycle insurance experts however, and deal with any bicycle insurance claims personally.