Pedal Cover

Home and triathlon bike insurance in one policy

There are lots of stand-alone triathlon bike insurance companies and there are lots of home insurers. But no one offering both things in one simple policy for dedicated triathletes.

Pedal Cover is the UK’s only combined home and triathlon bike 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 and racing in the UK and abroad, plus all of your home buildings and contents, in a single combined policy.

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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......

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.

Third party cycling claims against triathletes are far less common than theft and crashes, but they can be much more serious. We include liability cover while cycling. If you injure another road user or damage someone’s property riding your bicycle or any other bicycle, you are covered up to £2 million.

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 cover protects not just your bike but everything else you need to enjoy your passion the max.

You can insure as many bikes as you like in your household 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 our 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 and getting to the transition area to find your bike or parts have been stolen…’s the stuff of nightmares! Fear not, our policy includes transition cover protecting your bike and accessories.

If you are in a crash while riding your bike, 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 to a triathlon race or training camp abroad with your bike? Our policy covers you if your bike or bike box are damaged on a plane.

If you are taking your bike to a 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.

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

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. 

All of our packages cover you for physio, dental, death and permanent injury.


Our home + bicycle policy has two levels of cover, Pedal Cover is our core product and Podium which gives you that little bit extra. 

Our policies have several sections of cover which you can compare 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 CoverPodium
Pedal Cycles  
Theft at and away from the homeIncludedIncluded
Accidental damageIncludedIncluded
Pedal cycles maximum limit£25,000£50,000
Pedal cycles single bike limit£10,000£15,000
Depreciation from price paidNoneNone
Overseas travelEurope 30 days per tripWorldwide 60 days per trip
Cycling disciplinesExcluding: Criteriums, Road Racing, Downhill Mountain BikingAll
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 Withdrawal1 event up to £2501 event up to £500
Personal Accident  
 Loss of Limb£5,000£10,000
 Loss of Sight £5,000£10,000
 Physiotherapyup to £350up to £500
Dental Coverup to £350up 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


Pedalcover Triathlon Insurance Policy

Home and Triathlon bike Insurance

Combining home and triathlon 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

If you are a triathlete, chances are you have more than one bicycle for racing and training. There’s also a good chance that the rest of your family have a few bikes between them too.  

Pedal Cover offers multi-bike policy as standard, with a total bike 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. 

home and triathlon bike 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.