Road Bike Insurance

From weekend riders to club cyclists and even pros, we provide insurance cover for a huge range of road cyclists across the UK, all of whom share our love of cycling and, of course, bikes. Everyone who works at Pedalcover is a cyclist and so we understand how much you love your bike – or bikes – and how important it is to make sure they’re properly insured. And it’s not just the bikes that need covering, your cycling clothing and accessories can also amount to a substantial sum and that’s why we provide cover for them too, as standard.

Why Choose Pedalcover?

Our home and bike insurance combines the best features of bike-only insurance with a full buildings and contents insurance policy for your home. Combining all this into a single policy not only reduces the hassle of having multiple policies with different providers, but also, in most cases, offers far better value for money.

And as our policies have been designed by cyclists for cyclists, we’re confident that we have the type and level of cover that’s right for you.

And as we all know that the number of bikes you should own is n+1 (where n is your current number of bikes), our home and bike policy covers all of the bikes in the household in one single policy, with no limit on the number or value of the bikes.

Our Home and Road Bike Insurance Key Features

  • No charge per bike.
  • No limit on number or value of bikes.
  • Full worldwide crash damage cover, as standard.
  • No need to specify the bikes covered.
  • Breakdown recovery service – if you have a mechanical we will cover the taxi home.
  • Public liability cover in the UK.
  • New for old cover up to 10 years (unlike many other providers who only offer 3 years).
  • Bikes replaced, in most cases, with a cash settlement. Ideal if you have bespoke bikes (e.g. Van Nicholas, Parlee, Seven).
  • Crash damage and theft cover for clothing and accessories too (includes helmets, Garmin watches, phones).
  • No limit for theft from an outbuilding.
  • Bike rental replacement if an airline damages your bike.
  • Time trialling, Sportives and Gran Fondos covered as standard.
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Call us for an road bike insurance quote:
Open: Mon - Fri 8.30am - 5.30pm, Sat 9am - 1pm

FAQs About Pedalcover’s Road Bike Insurance

Is the bike covered for crash damage?

Yes, worldwide. Even if it’s your fault.

Do I have to use a specific lock?

No, we don’t have any over-the-top lock requirements.

Do you use Wheelies?

No, generally we provide a cash settlement.

Is the policy new for old?

Yes, up to 10 years.

Is the bike covered in an outbuilding?


3rd party liability is not covered for member-to-member claims with British Cycling, is it with your policy?

Yes, full public liability cover in the UK.

3 Simple Steps to Home & Bike Insurance.
Click Get a Quote, below, and complete the form.
We contact you with full quote details.
Confirm your policy details and pay. You’re covered.

Get a Road Bike Insurance Quote



It takes less than 3 minutes with our easy quote form.