0800 121 4424

Cycling UK exclusive 15% discount on building, contents and bicycle insurance bundle

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 provide the best of a bike policy combined with the best of a home and contents policy.

As a Cycling UK member, you save 15%

Podium finishing reviews

Home insurance for cyclists

Stop balancing policies. Start using Pedal Cover.

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 provide the best of a bike policy combined with the best of a home and contents policy.

Our cover at a glance

Cycling insurance

•  Theft away from home
•  Crash damage
•  Personal Expenses
•  Legal expenses

 •  Race cover
 •  Public liability
 •  Multi bicycle cover
 •  Theft from a vehicle

+

Buildings and contents cover

 •  Buildings up to £1m
 •  Contents up to £100k
 •  Flexible contents cover
 •  Theft or attempted theft

•  Theft from outbuildings
•  Fire, explosion, lightning
•  Accidental Damage
•  Personal liability

The best home insurance for cyclists

Home insurance for cyclists

From

£15

a month

Home contents and bicycle cover

If you already have buildings insurance, we can just look after your prized possessions. This includes up to £50,000 worth of bicycles.

Home insurance for cyclists

From

£20

a month

Buildings, home contents and bicycle cover

We provide all the cover of a specialist cycle insurance policy as part of your home and contents insurance, cutting the hastle and expense of dealing with separate providers.

There’s no such thing as too many bikes

Our core home insurance for cyclists allows you to add bikes with a total value of £25,000 and individual bikes valued at £10,000. With Podium, you can add bikes with a total value of £50,000 with a £15,000 single bike limit.

What’s more, all of your family living in your household will get the same level of cover as the policy holder.

Pedal perks

Our customers get instant access to over 100 discounts from some of the best cycling, triathlon, outdoor, and lifestyle brands in the UK.

If you’re looking to upgrade a power meter, buy some new outdoor clothing or equipment, or even looking to buy a new bike, we could save you hundreds.

Welcome to our virtual assistant

“I can answer questions related to our home insurance built for cyclists offered by NIG. For customers with questions about other policies, you should contact the team.

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Stories from the Pedal Cover blog...

Cycle Insurance (only)

Travel Insurance for cycling

High net-worth home insurance

Our full summary
of covers

Our home insurance for cyclists has two levels, our core product and Podium, which gives you that little bit extra. Use the menu below to compare the various sections of cover that we offer.

Pedal Cover

Podium

Buildings Blanket Limit up to £750,000 up to £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 up to £75,000 up to £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, £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

Bicycles  
Theft at and away from the homeIncludedIncluded
Accidental damageIncludedIncluded
Bicycle maximum limit£25,000£50,000
Bicycle single 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
Bicycle 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
 Death£10,000£15,000
 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 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 with a 24/7 advice line and legal costs of 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

Our full summary
of covers

Our home insurance for cyclists has two levels, our core product and Podium, which gives you that little bit extra. Use the menu below to compare the various sections of cover that we offer.

Pedal Cover

Podium

Buildings Blanket Limit up to £750,000 up to £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 up to £75,000 up to £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, £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

Bicycles  
Theft at and away from the homeIncludedIncluded
Accidental damageIncludedIncluded
Bicycle maximum limit£25,000£50,000
Bicycle single 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
Bicycle 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
 Death£10,000£15,000
 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 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 with a 24/7 advice line and legal costs of 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

Products

Information

Contact us

Mon to Fri from 9 am to 5 pm
The Old Mill, Ewenny, CF35 5BN
0800 121 4424