Bicycle insurance from £20.22 per year
Pedal more. Worry less. Insure with confidence.
✓ Underwritten by Collinson
✓ UK Based Team
✓ 15 years Insuring Cyclists
Why Choose Us?
At Cover4Cycles we provide trusted, award-winning insurance backed by 15 years of expertise and underwritten by Collinson.
Our tailorable policies cater to every cycling lifestyle, whether you cycle to work, to get fit, to socialise or to compete.
Insure with confidence and join our community of over 15,000 cyclists.
What does Cycle Insurance Cover?
Our standard bike insurance policies offer more coverage and benefits than other typical providers.
Stolen bikes are the most common cause of bike loss. This is why bike theft is included as part of our standard cover, provided you use an approved lock and meet our security requirements.
Our Cycle Insurance covers both accidental and malicious damage.
Any claim is subject to assessment and approval, so depending on the extent of the damage, we will determine whether your bike will be repaired or replaced.
If your new bike is stolen or damaged beyond repair, it will be replaced with a new one of similar value and specifications. Second-hand bikes are covered at market value, considering depreciation and condition.
Under our standard policy, you are able to insure multiple bikes.
For each bike you simply add each one to your quote after the first and you will receive a discount. There is no limit to the number of bikes you can have on a policy, and these can be added and removed at any time in the policy year.
Our standard policy includes cover of up to £100 for accessories.
if you want a higher value of cover, the amount covered can be increased up to £2,000.
Items defined as accessories includes mudguards and saddle guards. clothing, safety equipment like helmets as well as technology such as cameras (intended for cycling).
With our Accessory Cover there is a £25 excess
Our standard policy extends to cover your family members. Family means your parents, spouse, partner, children or siblings (aged 12 years or over) that permanently reside with you at your home address.
Personal Accident cover also applies to family members aged 12 year or over).
Please Note: Public liability only covers you and not members of your family
What are optional extras?
With our optional extras, you can tailor your policy and enhance your coverage.
If you want to cover more than £100 of accessories, you can purchase additional cover to insure up to £2,000.
If you use your bike as part of your commute you should select ‘commuting use’ and your bike will be covered to and from work.
If you cycle in competitive cycling events or sports, you should select ‘competitive use’.
This means that if your cycle is stolen or damaged this will be covered.
In addition if you cannot attend a race due to illness, injury or cancellation, your entrance fees will reimbursed up to a maximum of £500
Our standard policy covers you in the UK.
If you are planning on cycling abroad, you can select worldwide cover.
We offer three different durations: 30, 60 and 90 days, and you can take as many trips abroad in your chosen time frame as you wish.
This add-on means the cost of hiring an alternative bicycle, up to £500, whilst awaiting the repair or replacement of your current bike.
The bike must be hired from within the UK and from a reputable company. The cost only covers the bike that is the subject of an approved claim.
Our optional bicycle breakdown cover means that if when riding your bike, it sustains a mechanical or structural fault and cannot be ridden any further, we will cover you up to £350 for the cost of getting you home, to a nearby repair shop, a train station, a car hire company, or a hotel.
You can choose a benefit amount of either £10k or £25k to be paid in the event of you or your family member suffering accidental death, loss of limbs, loss of sight or permanent total disablement whilst using the bike on the policy.
Personal Accident cover is available for people age between 18 and 69
Public Liability protects you against claims brought on by a third party (the other person involved in the claim that is not you) as a result of damaging their property or injuring them. There are two cover options, £1 million and £2 million.
Public Liability cover is available for people age between 18 and 69 years old
Please note: Any Liability in the US and Canada is excluded
Adding this means the legal costs to pursue or defend incidents that may occur relating to your bike will be covered.
Our legal expense protection includes legal advice for the following: personal injury, damage to bicycles or cycle equipment, defence of cycling offences, cycling contractual disputes.
You also have access to 24-hour legal advice and counselling helplines.
So far in 2025 an estimated … bikes have been stolen in the UK*
Do I need Bicycle Insurance?
A common question cyclists ask is, ‘is bicycle insurance worth it?’
In 2023, there were around 15,000 reported cycling related casualties.
With bicycle insurance you can safeguard both you and your bike so you can have peace of mind knowing you’re protected if the unexpected does happen.
Cyclists are vulnerable, whether road or trail. As cyclists, we can suffer from accidents or theft any time we cycle.
Does my home insurance cover my bike?
People assume their home insurance provides enough coverage for their bike but this might not always be the case.
Home Contents insurance is great general household protection, however it’s important to review your home insurance policy before assuming your bike is fully covered, at home and away.
Many home insurance policies can fall short, only offering limited protection especially around travelling or storage of your cycle.
In addition, if you need to make a claim for your bicycle on your Home Contents insurance it might result in needing to pay a high excess, which could lead to increased premiums and the loss of any no claims discount.
Cover4Cycles’ specialist bicycle insurance is designed specifically for cyclists, offering broader and more tailored coverage so your bike is properly protected.
Comprehensive Cover: Cover4Cycles covers your bike for accidental damage – even whilst being ridden and for theft away from home – including when securely locked at a rack (up to 12 hours, or 24 at a train station), provided security requirements are met.
High Value Protection: Cover4Cycles covers bikes up to £15,000 and includes cover for permanently fixed components.
Public Liability: Cover4Cycles allows you to add this coverage which protects you if you injure someone or damage someone’s property whilst riding.
From
£20.22
Annually
How do I have to secure my bike for my policy to be valid?
For your cycle insurance policy to remain valid, you must properly secure your bike.
Wherever you keep your bike, whether at home, in a communal area or away from home, you must secure it through the frame with a correctly rated, approved lock to an object that cannot easily be moved.
Communal areas must be accessible only to residents and their guests. Private garages and sheds must be within the boundaries of the insured location specified on your policy, and be made of brick, stone, concrete timber or metal. This includes bike storage boxes.
If you cannot lock your bike to an immovable object within your garage, shed or bike storage box, then the door must be locked with one of the following: a multi-point locking system, 5 lever mortice deadlock, a 5-lever padlock.
When storing your bike away from home or the insured location, it must be secured to an immovable object with an approved lock through the frame. It cannot be left for more than 24 hours otherwise it will be classed as abandoned.
Safer rides are something to insure.
Cycles Covered
Our blog offers cycling tips, advice, and industry updates.
*Estimate based on one bike theft every 7 minutes
Source: statista.com/statistics/303562/bicycle-theft-in-england-and-wales-uk-y-on-y/