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Cheap Bicycle Insurance

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Insured cyclists

Why search dozens of web sites when you can compare prices and benefits from about 25 top cycle insurerers from here? In just a minute or so you could be considering multiple quotes online!

Why you need cycle insurance

According to the Office for National Statistics more than 300,000 bicycles are stolen every year - and the vast majority are never recovered, or are so badly damaged that they are worthless. Also thousands of cyclists are killed or seriously injured every year in accidents on the road. According to ROSPA (the Royal Rociety for the Prevention of Accidents) in 2019 injuries to 16,884 cyclists were reported to the police, including more than 4,400 who were killed or seriously injured. However these are reported casualties only, and many are never reported to the police even when the victims are hospitalised. Also, they only include injuries on the road, and not away from it. The true casualty figure, again according to ROSPA, could be several times as many.

Cycling may be a healthy, environmentally friendly means of transport, but a cyclist is still a vulnerable person.

In addition, a cyclist who is held responsible for injuries to a pedestrian or other road user, or damage to property, could face substantial compensation claims and legal fees. A good cycling policy should protect you from this, too.

Why you need to compare prices AND benefits

Insuring a cycle - and cyclist - can cost from just a few pounds for a commuting cyclist to several hundreds of pounds for those who race very expensive bicycles. As ever you usually get what you pay for so by comparing quotes from multiple top insurers you can pick and choose which benefits you believe you need, and which ones you feel would be a waste of money. For example, a policy may - or may not - cover you for:

  • Theft from your home
  • Theft away from home
  • Losing it
  • Accidental damage
  • Vandalism
  • European cover
  • Worldwide cover
  • Legal assistance
  • Cover for accessories
  • Third party claims
  • Public liability
  • Family use
  • Racing or other sports
  • Roadside recovery
  • Charity events
  • Temporary bike hire
  • Dental issues
  • Personal injury
  • Permanent injury
  • Physiotherapy
  • New for old replacement
  • Eye injury
  • Counselling
  • Returning to home
  • Bike box loss/damage

In addition insurers have different requirements for your use of security systems - some insist on Gold 'Sold Secure' rating locks and overnight storage in a locked garage, some do not; and excesses that you have to pay yourself out of every claim vary considerably.

However by comparing multiple quotes you may not only save money, but also gain benefits that could make a real difference to your life if you are involved in an accident.

How about discounts?

From time to time the insurers on our panel may offer short term discounts off their regular premiums. Why not check now and see if there are any extra savings?

Car and powered two wheeler insurance is not just a legal obligation but it has real benefits in protecting motorists from possible financial ruin. Whilst cyclists are, unlike motorists, not legally obliged to have insurance a growing number are taking it out to protect themselves, their bikes and their potential liabilities. Get quotes now, prices may be far lower than you expect.

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