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Why Do You Need Bicycle Insurance?

Some bicycles can cost thousands of pounds to replace should something happen to them. If your bicycle is stolen or damaged a bicycle insurance policy could help you to cover the costs of repairs or a replacement.
Cycling doesn’t come without its risks, and the growing number of cyclists in the UK means there is a growing risk factor. Unlike car insurance, bicycle insurance is not compulsory, but it could be considered a worthwhile option if you ride frequently or own an expensive bicycle.

Is Cycle Insurance a Legal Requirement?

Whilst bicycle insurance is not a legal requirement it is an advisable form of cover depending on the amount of risk that you are willing to take. If you’re involved in an accident or your bicycle is stolen you may not have any financial protection if it was your fault.

Is Your Bicycle Covered by Your Home Insurance?

Often when it comes to home insurance your bicycle may be covered as standard with some policies, but it is important to read over your policy document to ensure this is so.

Home insurance policies will often protect your bicycles against accidental damage and thievery if it takes place whilst the bicycle is within your home, however, your home insurance may not cover your bicycle if this happens whilst you’re riding it.

Your home insurance, unlike specialist bicycle insurance, will also generally cover your bicycle for a single article limit. This means that there will be a maximum you can claim for the item, so you could lose out.

Whilst your bicycle may be covered by your home insurance, and you can usually add an optional extra bit of cover which protects against damages that happen away from home, it’ll cost you more. It also won’t protect you against any accidents you have where you get injured.

The right cover with bicycle insurance does. Get the best insurance for your bicycle today.

What Does Cycle Insurance Cover?

Most bicycle insurance policies will cover your possession against theft, accidental damage and malicious damage. As with each bicycle, each bicycle insurance policy is different and therefore what the policy covers will change. Here is a list of things that your policy might include:

  • Theft, accidental damage and loss of the bike
  • Emergency medical cover
  • Personal accidents cover
  • Legal expenses cover
  • Competition fees reimbursement
  • Replacement bike hire
  • Loss of earnings cover

What Types of Bicycles are Covered?

When you get a bicycle insurance policy you may be surprised to hear that certain types of bicycles aren’t covered as standard. If you have a specialist bicycle, it’s best to check with the insurer whether your model is covered. Nevertheless, these bicycles are usually covered by default:

  • Mountain bicycles
  • Road bikes
  • Electric bicycles
  • BMXs
  • Hybrid bicycles
  • Folding bicycles

What Is Covered By Bicycle Insurance?

Bicycle insurance is similar to car insurance in that there are varying levels of coverage to suit both your needs and your budget. With our comparison service, you can choose to get bicycle insurance cover for any of the following types.

Should you need to make a claim, this cover will generally pay out the full total value of when you purchased your bike. It is only available for bicycles that are less than three years old.

For bicycles purchased new, you should calculate and include all the sums that you plan to have insured so you have an accurate figure of the replacement costs. This figure should ignore any discounts or deals you acquired when purchasing the bicycle originally.

On the other hand, if you bought your bicycle preowned or “second hand”, or if it is older than three years the amount you will receive back in the event of claiming will be the equivalent market value of a cycle today.

When you get a quote from our bicycle insurance comparison service you should ensure that the value of the preowned or older than three years bicycle matches its current value, not the price you paid initially.

Should your bicycle get stolen whilst it is locked up somewhere safe and secure, theft cover will provide a payout. Most policies of theft cover include financial protection if your bicycle is:

  • Stolen from your home
  • Stolen while away from your home
  • Stolen from a motor vehicle

Usually, there is an excess that will need to be paid in the event of a stolen bicycle claim, so ensure that this excess is something that you can afford.

It is always best to check your policy documentation for more details as to what your theft cover does and doesn’t include.

Should an event happen where you damage someone else’s property or injure another person whilst riding your bicycle you could be liable to pay compensation to the property owner or persons involved.

Public liability cover will protect you against any costs that may arise in this circumstance. Similar to public liability cover, legal expenses cover will cover the costs should the incident require legal action such as a court hearing.

Standard bicycle insurance policies cover the leisure use of bicycles in day-to-day usage. However, when you begin to compare bicycle insurance you’ll also be able to get quotes for policies that have specialist cover for commuting, commercial use or competitions.

Be sure to select the right cover for how you plan to use your bicycle to ensure that you are covered in the event of an accident.

Personal injury cover pays out a fixed amount should you be injured or killed whilst cycling. You’ll need to check over your policy wording to see the conditions in which the payout is made and the amount you’ll be paid depending on the injury.

As with most insurances, the policies will cover riding in the UK as standard. Should you wish to take your bicycle on holiday abroad, compete in overseas events or are planning an international cycle you may want this additional cover.

Most providers will offer European or worldwide cover, either as standard or as an optional extra which you can add to your policy. You’ll be asked what type of cover you require when you’re filling out the form on our comparison journey.

Remember to check that the number of days you’re covered is what you require as well since this varies from insurer to insurer.

Like car insurance, standard bicycle insurance will only provide cover when the person on the policy documentation is riding the bicycle, or it is in their possession.

An optional extra which you may wish to add on should you need it is family cover, most insurers offer this as extended cover. This extra cover means that your policy is valid when members of your household are riding the bicycle.

Having accessories for your bicycle is a common occurrence and therefore it may be of interest to you to have them covered. This is where bicycle accessories cover comes in, it can include coverage for things such as helmets, clothing, cycling panniers and more.

Different insurers will cover different accessories, so you must check the wording in your policy documentation for further details.

Should you use your bicycle for commuting or other important reasons you may wish to have a hire bicycle in the event of an accident. Some policies provide a pay-out should your bicycle be damaged or stolen to cover this cost, and the amount you’ll receive varies per insurer.

As always, check your policy to see what is and isn’t covered and how much for.

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How Can You Get Cheaper Cycle Insurance?

Your bicycle insurance quotes will be priced depending on the type and cost of your bicycle, the level of cover you are seeking, and the optional extras you add on. To save money on your bicycle insurance, you should start by comparing different quotes. This can be done simply through our online comparison service. Whilst it may seem counterintuitive, you can opt to pay a higher excess. This doesn’t guarantee a cheaper insurance premium; however, it could save a little money. It is important to note here that you must make sure that you can afford to pay your optional excess. Storing your bike in a secure place doesn’t usually offer any discount, however, your policy wording may be very particular about how the asset is stored. If the bicycle is stolen from an insecure location, taken from a vehicle or left unattended outside of the secure area your insurance may not payout.

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Frequently Asked Questions

Yes, you can insure a second-hand or older bicycle. Many insurers offer coverage for bicycles regardless of their age. The cost and type of coverage will depend on the bicycle’s age, condition, and other factors. Generally speaking, the newer the bicycle and the less likely it has been in an accident, the cheaper it is to insure.

Bicycles depreciate in value over time similar to cars, however, after a certain age as determined independently by each insurer, the bicycle premium will begin to rise due to the likelihood of parts going wrong.

When pricing your bicycle for insurance, you should consider the original purchase price, depreciation over time, and any upgrades or modifications you’ve made to it. You may also want to factor in the cost of replacement parts if needed. While it’s important to be realistic about how much your bicycle is worth, don’t underestimate the value either. You want to make sure you’re adequately covered in case of theft or damage.

When insuring a bicycle with custom parts, you should be sure to factor in the cost of replacing those parts. Many insurers will offer coverage for specific bike parts and accessories, so look into what they offer that may cover your needs before deciding on an insurance plan.

Most insurance companies require that you be at least 18 years old in order to insure your bicycle. Be sure to check with the specific insurer for their requirements before signing up for a policy.

Yes, you’ll need to provide proof of ownership in order to insure your bicycle. This could be a sales receipt, registration certificate, or other documents that show the transfer of ownership from one person to another.

Yes, many insurance companies offer coverage for cycle helmets and clothing that you wear while cycling. Be sure to read the policy details carefully to understand what is covered and what isn’t.

No, bicycle insurance is not a legal requirement in the UK. However, it’s always a good idea to protect your bike with an insurance policy for peace of mind and financial protection in case of theft or damage.

No, as long as your bicycle doesn’t exceed 250 watts in power and has pedals you won’t need specialist insurance.

Yes, by selecting the optional commercial insurance option in our quote journey you can find quotes for business use for your bicycle.

Yes, you can make a claim if someone else causes damage to your bike. However, this will depend on the type of insurance policy that you have and whether the other person was responsible for the damage. Be sure to check with your insurer for more information about their particular policies regarding claims.

Yes, most insurance companies will offer a range of coverage levels for bicycles. This may include third-party liability, theft, and damage cover as well as more comprehensive packages that include breakdown assistance and legal protection. Be sure to read the policy details carefully before deciding which one is right for your needs.

Your quotes from insurers typically remain valid for up to 30 days, depending on the insurer. After this period, you will need to re-submit your request and obtain new quotes. You should also keep in mind that insurance policies may change over time so be sure to check with the insurer prior to purchasing a policy.

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