In the UK, bicycle insurance is a policy that provides financial protection for you bicycle in case of theft, accidental damage, or loss and can also cover you for injuries and legal expenses if you are involved in an accident while cycling While not legally required, it can offer peace of mind for cyclists who rely on their bikes for transportation or recreation.
This provides comprehensive cover for your bike, including theft, accidental damage, and third-party liability, which protects you if you injure someone or damage their property while cycling.
Many home insurance policies include some coverage for bicycles as part of your contents, but this might not extend to when you’re riding your bike or when it’s locked up away from home.
This covers your legal expenses and potential payouts if you cause an accident that injures someone or damages their property.
This provides financial support for injuries, permanent disablement, or even death sustained in a cycling accident.
Designed for keen cyclists who may need more extensive cover for high-value bikes, racing, or events.
This is the most common type of cover, reimbursing you for the cost of repairs or replacement if your bike is stolen or damaged.
This can help with medical expenses, loss of income, or other expenses related to an injury.
This protects you from legal costs and potential payouts if you cause an accident that injures someone else or damages their property.
Some policies may cover your cycling accessories, like GPS devices or lights, and even cycling clothing.
This can help with the cost of repairs or replacement if your bike breaks down while you’re cycling.
Some policies may reimburse you for race entry fees if you have to withdraw due to an injury or accident.
Bicycle Insurance Pay less than Figures You could pay less than £25 for bicycles valued up to £1500* *51% of customers with a bicycle valued up to £1500 who obtained a quote for Bicycle Insurance through this service provided by Seopa Ltd during December 2024 were quoted less than £25.27. Using the same calculation for bicycles valued between £1500 and £3000 gave a figure of £51.59 and for bicycles valued over £3000 gave a figure of £103.18. The quote price you could achieve is dependent on your individual circumstances.
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