Best Bicycle Insurance 2021 | The Sun UK
While you might not think you need it, bicycle insurance is the best way to protect you and your bike from any mishaps.
From personal protection and third-party liability through to covering damage or – in the worst case – your bike being stolen, bike insurance is a relatively cheap way to stay covered, whatever you ride.
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.
And although a lot of people will rely on their contents insurance to protect their bike if it’s stolen, your bike is generally only covered when it's in the home, and you could increase your annual cover’s cost if you need to make a claim.
For peace of mind, it’s therefore worth looking to cycle-specific insurance. Not only will a policy protect you if your bike is stolen, but some include features such as cover when travelling and personal injury insurance.
Another thing to note is that, if you’re a member of an organisation such as British Cycling or Cycle UK, you get a discount with their preferred provider as part of your annual membership – as well as a number of other benefits such as discounts and access to events.
Not sure where to start in your search for the best bicycle insurance for you? The below selection is the best cycle-specific providers around.
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1. Laka
- Get a quote from Laka here
A new name in the cycling insurance game, Laka has turned traditional insurance on its head. Rather than having a fixed annual fee, your policy is on a rolling monthly contract, and can go up or down (although there is a maximum ceiling) depending on the number of claims it receives from other members.
Its bicycle cover protects your bike and equipment (helmet, clothing, GPS, etc.) from theft, damage and vandalism, loss by an airline or courier, and even when travelling abroad.
What’s more, you’ll be paid out the equipment’s original value and won’t have to pay a penny of excess.
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.
2. Pedalsure
- Get a quote from Pedalsure here
Unlike Laka, Pedalsure’s rates are fixed, although you do get a slight discount if you opt to pay for your cover annually.
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.
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.
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.
3. Wiggle
- Get a quote from Wiggle here
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.
Available in three different tiers – Assist, Essential and Elite – all cover you for public liability and personal accidents, including reimbursements for emergency private medical and physiotherapy.
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%.
One thing to note is that Wiggle doesn’t charge extra if you live in a city postcode – handy if you’ve made the switch from public transport to commuting by bike and you’re looking to stay protected for less.
4. Bikmo
- Get a quote from Bikmo here
The insurer of choice of British Cycling, Bikmo is underwritten by insurance giants Hiscox and has three tiers of cover – Go, Plus and Race.
The first is probably best suited to most cyclists, and highlights of the cover include theft, accidental damage, legal expenses and excess-free replacement.
And, if you’ve got more than one bike, Bikmo offers a multi-bike discount of up to 50%.
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.
5. Yellow Jersey
- Get a quote from Yellow Jersey here
Named after the Tour de France’s iconic leader’s jersey, this insurer’s cover would definitely be on the podium if you had to rank all of the best bicycle insurances.
Like Bikmo, Yellow Jersey offers three levels of cover – Essential, Performance and Ultimate – but the various discounts on offer give it a slight edge.
The Essential cover ticks all of the basic boxes (accidental damage, vandalism, theft, public liability) but also features unlimited new for old cover and a free DNA+ bicycle security marking kit worth £36 with every policy
Other plus points include a 60% multi-bike discount and 25% discount at renewal – even if you’ve made a claim.
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.
6. Pedal Cover
- Get a quote from Pedal Cover here
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.
A lot of contents insurance policies will cover bikes if listed as a valuable on your policy, but only when they’re in the home.
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 benefit of Pedal Cover is that it might just work out cheaper than two separate policies – one for your contents insurance and another for your bike.
7. CycleSure
- Get a quote from CycleSure here
Like British Cycling, Cycling UK has a preferred insurer – CycleSure.
A great choice if you’re looking to insure all of your family and their bikes, CycleSure just asks for the total value of the bikes at your home and your postcode to work out your quote.
Benefits include worldwide cover, new for old replacements as a result of theft or damage, and protection for any family member and their bikes – rather than solely the policy holder – as long as they permanently live with you.
What’s more 10% of your premium is donated to Cycling UK to help fight and lobby for local and national cycling issues.
8. Cycleguard
- Get a quote from Cycleguard here
If you like to take your bike away and on your travels then Cycleguard is the perfect cover. Not only do they cover multiple bikes under one insurance policy but they also protect all your accessories too.
Getting a quote couldn't be simpler with minimum information needed, just the amount of bikes, postcode and where they will be going to give different levels of quotes.
They adequately cover electric bikes, road bikes, sports bikes and mountain bikes meaning whatever type of bike you own they will be able to competently cover it.
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This article and any featured products have been independently chosen by The Sun journalists. All recommendations within the article are informed by expert editorial opinion. If you click a link and buy a product we may earn revenue: this helps to support The Sun, and in no way affects our recommendations.
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