We were not paid to write it but Bicycles fitted with an internal combustion engine or other sources of power assistance are generally not covered (these may be considered mopeds and will require different cover). Since we launched in 2013, our goal has always been to give you the best variety and selection of cycle insurance companies in the UK. As well as paying to replace your bike, bike insurance could save you money by getting you back on the road more quickly – especially if you rely on your bike for transport to work or university. Do I need bicycle insurance? While Pedal Cover does offer standalone bike insurance, it’s its home and bicycle insurance policy that makes it stand out in a packed field. Address: 1-10 Summers Street, London EC1R 5BD. Pedal Cover does this and more, giving you protection against public liability, theft away from the home, damage and even a taxi reimbursement up to £200 – perfect for if you get a mechanical when out on the road and there’s no other way to get home. The slight downside is that there is an excess for each claim you make of 10% of your policy, but the cover more than makes up for it. Although a number of well-known brands offer bicycle insurance some of the new companies are created for cyclists by cyclists and may also offer a better level of customer service. For further details of our complaints policy and to make a complaint please click this link: thesun.co.uk/editorial-complaints/, Comments are subject to our community guidelines, which can be viewed, You'll be glad of having insurance if you find your lock like this and bike nowhere to be seen, Laka offers public liability insurance for just £1 per month – perfect if you've just started to commute by bike, Pedalsure covers you and your bike wherever you are – even overseas, The mid-level Essential package is the starting point if you want to cover more than yourself, Opt for the 'Race' tier if you're planning on entering competitions, If you do need to make a claim, you get a full 'new for old' payout, This contents insurance covers your bike when it's in the home, and out and about in the wild, Cycling UK's preferred insurer will cover you and your family, Independent Press Standards Organisation (IPSO). Visit today! What you need to know about triathlon insurance. Bicycles are quite easy to get stolen and equally difficult to recover and a lock never guarantees that your bicycle will be there when you came back. Its bicycle cover protects your bike and equipment (helmet, clothing, GPS, etc.) It covers bikes up to Â£10,000 and does not seem to price by postcode, which means it could be cheaper for some city cyclists. And they are unlikely to cover your bike while it is in the hold of a plane. Bought By Many Ltd is authorised and regulated For other inquiries, Contact Us. Markel has a policy covering almost any type of motorcycle, including cruisers, touring motorcycles, sport bikes, sport-touring bikes, big twins, street bikes, scooters /mopeds, dirt bikes, trikes and other custom motorcycles. Your actual bicycle insurance quote will be calculated based on your circumstances and takes into consideration what kind of bike you ride and its value. You can see our reviews of the top providers here. by the Financial Conduct Authority - Register number 652623. Dedicated cycling insurers have emerged to package the relevant bits of each of those policies into one product. Good for: all-rounders, commuters, amateur races, taking a bike on holiday. This includes seat posts, saddles, handlebars etc. For a little bit extra, the Plus level includes the likes of medical expenses new-for-old cover, while the Race protection is ideal for those who are planning on lining up on the start grid, and will reimburse fees for cancelled races and insures against accidents in road or crit races. It is possible to cover certain risks using a combination of home, health and travel insurance. Your household insurance does not always cover your bicycles; therefore you may want specific bicycle insurance. Many home insurance policies will not cover your bike if it is stolen from your car but Yellow Jersey and CycleGuard advertise in-vehicle cover. What’s more, you’ll be paid out the equipment’s original value and won’t have to pay a penny of excess. How much can I insure my bicycle for? Best thermal gloves for men 2020: winter, ski and touchscreen gloves, Best dog Christmas outfit 2020 from dog reindeer costumes to dog elves, The best anti-fog wipes, sprays and cloths to help keep your glasses clear, The 10 cheapest and best value printers you can buy in 2020, ©News Group Newspapers Limited in England No. But PedalSure gives you an extra level of protection that would pay out if you are injured. Specialist bike insurance is your best bet if you want to cover all eventualities relating to both theft and injury. We offer the Best Bicycle Insurance UK at the most competitive rates. Unlike Laka, Pedalsure’s rates are fixed, although you do get a slight discount if you opt to pay for your cover annually. Itâs almost a cheaper, tailored health insurance policy for cyclists. Bicycle Insurance Many household insurance policies have limitations when it comes to covering cyclists, their bicycles and their accessories – which is why you need specialist cycling insurance. There are options for team and coach cover and no extra charge for living in a city (excluding London). For example, Bikmo and Yellow Jersey do not provide public liability for the USA and Canada. The maximum sum insured is £5,000 per bicycle. Taking your bike abroad and on cycling holidays. To inquire about a licence to reproduce material, visit our Syndication site. As mentioned previously, a Bought By Many colleague broke his arm in a race. However, it's worth noting that worldwide policies often do not offer public liability cover for certain countries. Most insurers should provide you with a list of locks that are accepted under their policies. You use your bike every day. As you might guess from the name, Yellow Jersey specialises in training and racing and will even cover fees for races you might not be able to attend after a crash. "The Sun", "Sun", "Sun Online" are registered trademarks or trade names of News Group Newspapers Limited. Cheap Bicycle Insurance You can count on Cheap.co.uk to get you a great deal on your bicycle insurance! You can invalidate your cover by using the wrongs locks or storing a bike incorrectly. Bicycle specific companies. Good for: all-rounders, taking a bike abroad. from theft, damage and vandalism, loss by an airline or courier, and even when travelling abroad. Bikmo was named Best Bicycle Insurance Provider at the 2016 Insurance Choice Awards. The best bicycle insurance companies of 2020, 3. Not sure where to start in your search for the best bicycle insurance for you? andymatthews yeah all of them with M&S insurance. Get the best bicycle insurance in the UK with the help of See Compare Buy. Even if you take out bicycle insurance itâs vital that you are security conscious. The first is probably best suited to most cyclists, and highlights of the cover include theft, accidental damage, legal expenses and excess-free replacement. To pick the top we've divided the total amount you can claim per year with how much you'll pay out per year, inclusive of the excess, and given it a score. ), Carole Nash, Bennetts, BikeSure to name a few.. Each of these companies use a combination of leading UK underwriters, who all have different policy and pricing arrangements. Best bike insurance company varies from policyholder to policyholder depending on their requirements such as type of plan, add-on covers, customer support service, etc. Most should include leaving your bike in a triathlon transition area and sportives. The Guardian ... Bike theft: how to stay safe as UK cycle sales soar Bikmo and Yellow Jersey offer worldwide policies and both have features that payout if your bike or the box it being transported in are damaged in transit. where insurers are listed, it can dictate where they appear in the list. It includes roadside recovery as standard. Learn more about the best cycling insurance companies and find out what their customers think by reading our expert reviews. Bicycle crime is serious business in the UK: in 2017, there were around 290,000 bike thefts. It covers bikes worth up to £20,000 and is underwritten by Hiscox, an insurer behind many specialist UK policies. To see all content on The Sun, please use the Site Map. Insurance for bikes, e-bikes and cycling accessories At cycleGuard, we’ve been protecting cyclists and triathletes across the UK for over 20 years against theft and damage to all types of bike including mountain, folding, electric and road as well as cycling accessories inside the … Whether you are popping to the shops, or off on a mountain biking adventure, we know how important your bicycle can be in your everyday life. We endeavor to compare bicycle insurance policies so that you can get the most fitting bicycle insurance at the most competitive rates. The best bicycle insurance offers comprehensive cover for serious cyclists, have good customer feedback online, accessible quote processes and are more competitive than other cycle policies. Enjoyed our roundup of the best bicycle insurance? What is cycling liability insurance and do I need it? What should you look for? As well as selling everything you could need for your two-wheeled pursuits, cycling retailer Wiggle offers up protection for you and your bike too. One thing to be aware of is its list of approved locks – if your lock isn’t on the list, your bike won’t be covered for theft if the lock is broken when secured out of the house. The Sun website is regulated by the Independent Press Standards Organisation (IPSO), Our journalists strive for accuracy but on occasion we make mistakes. The total cost of bicycles stolen from UK train stations is over Â£1.5m a year, according to Velosure. Your browser is not supported. Standard travel insurance has limits on the value of individual and total items you can take with you and quality cycling equipment can easily exceed them. Select quote button below to get started. Like Bikmo, Yellow Jersey offers three levels of cover – Essential, Performance and Ultimate – but the various discounts on offer give it a slight edge. Insurance protects against financial loss and inconvenience when an unexpected event happens. Assetsure’s bicycle insurance is one of the more expensive options for hobbyists, sitting at an annual price of £66, but also reaches the top tier of financial services rating firm Defaqto’s list of bike insurers with a five-star rating. ... We can also help by providing comparsion quotes from top UK providers of electric bicycle insurance. Devitt 's multi bike insurance policy calculates the price of your premiums based on the most expensive bike you own and adds around £30 for every additional bike you'd like to insure, allowing you to pay a lot less than you would if you were to insure your bikes on separate policies. It covers bikes from £400 to £15,000 in value, and your policy will cover theft, damage, public liability, overseas travel and even loss of earnings if you’re injured on your bike and can’t work. Top of the range road bikes can cost more than £10,000, so it is worth having a bicycle theft insurance policy that can cover the cost if your bike is stolen. Our table below compares Wiggle Cycle Insurance with other bicycle insurance options. If you have upgraded any components, you must increase the bikes value accordingly. Get a quote on the Bikmo website Good for: all-rounders, commuters, amateur races, taking a bike on holiday. looked into how insurance would have helped, Protect Your Bubble cycling insurance review, Better options and fewer restrictions for where you can store your bike, Cover for races and competitions, including triathlons, Breakdown assistance Travelling overseas with high-value bikes and cycling abroad, Cover for specific parts of the bike, such as wheels or the seat, Accessories cover - GPS, helmets, clothing, water bottles, Race fees â if you have to cancel because of illness or injury. Bicy Insurance offer excellent value bicycle insurance and cycle insurance. Find out about some of the best winter destinations for cyclists and cover for triathlons at home and abroad. Like British Cycling, Cycling UK has a preferred insurer – CycleSure. Our approved lock list has been created to make sure that the best level of defence is being provided against cycle theft. It offers cover for travel, events, accessories and has a big multi-bike discount. Thereâs a 20% initial discount. This register can be checked If you want to cover more than yourself, the mid-level Essential package is the starting point and will protect you against theft and accidental damage, offering new for old replacements and a multi-bike discount of up to 60%. Although not required by law to ride on the road in the UK, it's a good idea to have public liability cover in case you cause damage or injure someone else when out on your bike. If your bike is stolen, bike theft insurance can cover the costs of a replacement to get you where you need to … 679215 Registered office: 1 London Bridge Street, London, SE1 9GF. The insurer of choice of British Cycling, Bikmo is underwritten by insurance giants Hiscox and has three tiers of cover – Go, Plus and Race. But which bicycle insurance should you get? All recommendations within the article are informed by expert editorial opinion. However, one reliable parameter to compare different bike insurance companies is the Claim Settlement Ratio (CSR). It covers bikes worth up to Â£20,000 and is underwritten by Hiscox, an insurer behind many specialist UK policies. Good for: serious cyclists, competitions and events in the UK and abroad, high-value bikes, pros, enthusiasts, holidays in Europe. For example, Bikmo, Yellow Jersey and Velosure offer similar recovery policies to those you get for a car, offering transportation to a bike shop or home. Research has shown that one in three household policies don’t cover bikes away from home. Here's what you need to know. Skip to main content. Along with the possibility of causing damage to yourself, your bike or others, cyclists have to find somewhere safe to store their bikes. Many events will require you to have some form of cover before you enter. We also use the combined buying power of our members to negotiate fairer and cheaper deals with insurers. Get a quote for PedalSure's policies or read a review of PedalSure's cycling cover. We also charge for What's more, the insurer currently has an offer where, if you insure a bike worth over £1,500, it’ll throw in a free Hiplok D-lock worth £69.99. So you already know how to lock your bike but you have heard the statistics and think that it may be best to get your bicycle insured. Here are some of the things these new companies aim to cover that other policies may not: Cyclists might think theyâre aware of the dangers of being in the saddle but there are many scenarios that can cost more than expected or cause major inconvenience if not covered. Can I insure more than one bicycle on my policy? Laka offers public liability insurance for just £1 for the rest of 2020, and has a whole host of benefits, including discounts on coffee, magazine subscriptions and bike cleaning products. Other providers worth considering are Bikmo , PedalSure, CycleGuard, Yellow Jersey and Velosure because of their cycle breakdown feature. December For more active recommendations, check out our dedicated health and fitness section. You are able to insure up to 3 bicycles on one policy. for details of our permissions, history and contact details. What would void my claim? Our bicycle insurance is for the everyday cyclist, get a free quote today. Markel Insurance has something going for it that the other insurance companies on this list cannot claim: It's specialized in motorcycle insurance for more than 40 years. In 2018, it launched cheaper cover for entry- and mid-level enthusiasts. Bicycle insurance can be worthwhile if you use two-wheeled transportation to commute or run errands. Types of Cover Available on an Electric bike Insurance policy. A new name in the cycling insurance game, Laka has turned traditional insurance on its head. That could be an injury, damage to your bike or someone elseâs property. It is a condition of your insurance that you use an approved lock appropriate with the value of your electric bike. Wiggle Cycle Insurance have made it easy for you to compare bicycle insurance. We've reviewed cover levels to find the UK's best bicycle insurance companies. While you might not think you need it, bicycle insurance is the best way to protect you and your bike from any mishaps. 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