Pedal Cover

Home and triathlon bike insurance

Pedal Cover is the first and only home and triathlon bike insurance provider in the UK. We provide complete cover for your triathlon bikes training and racing both in the UK and abroad, and our insurance is backed by AXA, the 2nd largest insurer in the world.

There’s no need to fork out for pricey stand-alone triathlon insurance. Insure up to £30,000 of triathlon bikes and accessories, along with liability cover while riding and racing, all under your home and contents insurance. 

5 Star Reviews from TRUSTPILOT

Our home insurance is backed by AXA, the 2nd largest insurer in the world

We cover your home for building and contents plus additional cycling benefits....

Race Fee Cancellation

Not only do we cover you when competing in triathlon races, we also cover your race fee if something causes you to miss out. We know how much some of these races cost, so race fee cover comes as standard.

Public Liability

Cycling accidents and crashes, unfortunately, are something we’re all too familiar with. Our dedicated insurance for triathletes will cover expenses if you injure a third party or cause damage to a person’s property.

Taxi Re-imbursement Cover

The last thing you want to be doing in a pair of expensive triathlon shoes is push your TT bike back to the station. If a mechanical breakdown means you end up stuck by the side of the road, you can arrange for a taxi to take you and your bike home 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 triathlon bike theft insurance. We have security requirements you need to follow, but if your bicycle is stolen from your home, triathlon transition zone, 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. Our home insurance for triathletes covers up to £30,000 worth of bicycles, with a £15,000 single bike limit. That means you can have yours and your partners TT bikes, training bikes and kids bikes all on one policy, with no additional premiums to pay.

Triathlon Transition Cover

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 triathlon bike.

Buildings & Contents

How does our policy differ from other triathlon bike insurance policies online? We insure your triathlon 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 triathlon bikes for theft and damage at home, but as soon as you take them out, the cover ends. Our home insurance is designed for triathletes, and if you have a spill and damage your TT bike, we will cover the cost of repair or replacement.

Airline Cover

Travelling abroad to race or for a triathlon training camp? Our policy covers you if your bike or bike box are damaged while with an airline.

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.

triathlon bike insurance on home insurance lucy charles ironman

Home and Triathlon Bike Insurance

Combining home and triathlon bike insurance under one policy cuts the hassle and expense of dealing with separate providers. We can provide all the features of a standalone triathlon insurance policy on top of your home and contents insurance, and more often than no save you money in the process. 

Multi-bike as standard

If you are competing in triathlon, 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. Standalone triathlon insurance policies will charge you per bike, and potentially add an extra charge for family cover. Pedal Cover on the other hand automatically cover all of the bikes in your household up to £30,000 with a £15,000 single bike limit.

Triathlon bike insurance on home insurance Lucy Charles and Pedal Cover

Home and Triathlon Insurance FAQs

Our triathlon bike insurance covers far more than just theft.

We can cover your triathlon bikes for crash damage while riding and racing, theft from a hotel room or transition zone, damage by an airline, your liability, and much more.

One of the primary downsides of a typical home insurance policy is their very low limits on bicycle value. A typical bicycle in the UK isn’t worth more than a couple hundred pounds, and so the cover on home insurance is just included as an extra benefit. While this is fine for many consumers, it’s a problem if you are training and racing on expensive triathlon bikes.

Our triathlon bike insurance will cover your bikes up to £30,000 at and away from home, meaning unless you’ve got a serious collection, you will be safe with us.

Yes, absolutely. Triathlon is an incredibly inclusive sport and we find that if one member of a family is a triathlete, it’s only a matter of time before their partner and kids are also involved. Under our policy, all of your triathlon bikes are covered, and each member of your family living in your household, receives the same cover. 

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 triathlon insurance experts however, and deal with any triathlon bike insurance claims personally.