Cycling and Bicycle insurance

Get in gear with up to 50% discount off Cycleplan’s cover*

  • All-round protection from accident, damages, or theft
  • Take your pick between accident or liability cover – or both
  • Cover includes hybrid and electric bikes
Get a quote from Cycleplan

What is bicycle insurance?

It’s there  for those unexpected moments – you know, when your bike gets damaged during a mountain biking adventure or when you return from the supermarket and find your parked bike has vanished. 

That’s where bicycle insurance swoops in, like the friendly neighbour that steps in to help when you need it most. It won't prevent accidents or theft, but it's there to help you pick up the pieces afterwards.

We’ve buddied up with Cycleplan to give you up to a 50% discount off their bike insurance for your bicycles and accessories, both at home and while cruising out and about.

Cycleplan also offers cyclists' liability cover, which protects you if you accidentally injure someone or damage property while cycling. And if you happen to be the proud owner of not just one, but multiple bikes, Cycleplan’s multi-bike cover makes sure that all your bikes get the protection they deserve.

  • Protect your bike from the unexpected:

    Up to £30,000 of protection against theft, loss and all types of accidental damages to your bike

  • Pedal without worry:

    Up to £5m cover if you accidentally injure someone or damage property while cycling

  • New-for-old replacement:

    If your bike is stolen and it was bought new and is less than three years old, we’ll replace it with a brand new one

*Cycleplan’s 50% discount can change or stop at any time. You won’t get this discount if you’re renewing your policy.

How does bicycle insurance work?

When it comes to keeping your wheels safe and your cycling adventures worry-free, Cycleplan offers two main cover options. You can pick one or both.

Up to £30,000 bike cover for theft, loss and accidental damage
Cover if your bicycle is stolen, accidentally damaged or vandalised. This includes new for old replacement. If your bike is stolen and you bought it new less than three years ago, Cycleplan will replace it with a brand new one.

Up to £5m cyclists' liability cover
Covers the costs of any claims made against you if you accidentally injured someone or damaged property while cycling.

Do I need bicycle insurance?

It isn’t something the law demands, but lack of cover could throw a real wrench into your biking joy if life takes a bumpy turn. Especially if you’re a regular user of your bike or it’s a trusty mode of transport for you, bike insurance provides well-needed security for unfortunate mishaps.

Besides bicycle insurance, there are other things you can do to protect your two-wheeled ride, such as using a quality lock and removing the easy-to-steal parts.

How much is bicycle insurance?

To know how much your bike insurance will cost, Cycleplan will look at your bike type, your age, where you keep it, and its price. Once they have all these pieces, they’ll create a custom quote just for you.

Get a quote from Cycleplan

Does my existing home insurance cover my bicycle?

Before you get new bike cover, hold onto your handlebars – your bike may already be protected by other insurance, like your home insurance.

Look at the insurance you already have to see how your bike is or isn’t covered. For example, it might cover your bike while it’s in your garage, but not when it’s away from your home.

By knowing what’s already covered for your bike, you can avoid doubling up and you can see where things aren’t covered but you want them to be. Just make sure your bike cover meets all your needs.

Do you already have bicycle insurance with Cycleplan?

What does Cycleplan's cycling and bicycle insurance cover?

Cycleplan covers both pedal and electric bikes including:

  • Road
  • Mountain
  • BMX
  • Commuter
  • Hybrid and electric

Make sure you’re comfortable with what’s not covered, including:

  • Theft where you’ve not secured your bike in a way that meets the minimum security rules
  • Any claim where you can’t show evidence that you own the bike or accessories
  • Using the bike for business reasons, like working as a courier or carrying paying passengers (this doesn’t include commuting to or from work)
  • Competitive use (unless you've chosen this as an optional add-on)
  • Using your bike outside of the UK (unless you've chosen the European or worldwide optional add-on)

Full policy wording can be found on Cycleplan's website when you get a quote, for full information on what is and isnt included in your policy. 

Amp up your cover with optional add-ons

Cycleplan’s flexible cover lets you tailor to fit your needs. Just add the extras you want as you go through your quote, and they’ll show you the total price for them when you’ve finished.

  • Theft, loss and accidental damage to accessories up to £1,000
    For any temporary or fitted accessories, such as helmets, locks or lights, that are stolen, accidentally damaged or vandalised. Only available with main bicycle insurance.
  • Personal accident up to £50,000
    Cover for accidents that lead to serious injuries, permanent disability or death. It also provides financial support if you break certain bones, need emergency dental work, hospitalisation, or physio. For full information on what you are and are not covered for, you can read the policy wording and information document when you get a quote.
  • Loss of earnings up to £750 a week
    Financial help if you're hurt while cycling and unable to work (for a maximum benefit period of 52 weeks).
  • Legal expenses up to £50,000
    Cover the legal costs of pursuing a civil claim if you’re injured in a road accident involving the insured bicycle or need to recover uninsured losses. It also covers professional fees for going after a local authority for any damages to your bike caused by a pothole on a public highway.
  • Replacement cycle hire up to £1,000
    Hire a replacement bicycle after making a claim on your insured bike while waiting for it to be repaired or replaced. 
  • Europe or worldwide cover
    Take your bike on your international escapades, and it’ll get the same level of protection as it enjoys at home. Cover will be limited to 45 days for any one trip.
  • Competitive use
    Extend your normal cover when taking part in a competition.

Ready to roll into your quote?

Get your Cycleplan quote

Still got questions? Contact Cycleplan

0800 092 9268

Monday to Friday: 9:00am - 5:30pm

Saturday: Closed

Sunday: Closed

To protect both of us, we might record and listen to these phone calls. Calls to 0800 numbers from UK landlines and mobiles are free. When you dial 03 numbers, the cost is the same as a regular call (how much it costs can change depending on your network), and they are usually included in your minute plans for landlines and mobiles.

How to claim

If you need to make a claim, please get in touch with Cycleplan's trusted claims handlers Davies Group on 0333 400 7387

Or email newclaim.cycleplan@davies-group.com

For theft or malicious damage claims, tell the police as soon as possible about the loss or damage and ask for a crime reference number.

So that your claim can be processed quickly, you’ll need:

  • Your policy number
  • The date the incident took place
  • Evidence of ownership
  • Photographs of the bike
  • Crime reference number (if applicable)
  • Any damaged items or locks