So you already know how to lock your bike but you have heard the statistics and think that it may be best to get your bicycle insured. It is similar to a car breakdown policy and can cover the costs of transporting a broken bike to a shop for repairs and onwards travel. Being on the road during rush hour brings greater risks. We also use the combined buying power of our members to negotiate fairer and cheaper deals with insurers. 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. Bicycles fitted with an internal combustion engine or other sources of power assistance are generally not covered (these may be considered mopeds and will require different cover). Learn more about the best cycling insurance companies and find out what their customers think by reading our expert reviews. Here are some of the things these new companies aim to cover that other policies may not: Cyclists might think theyâre aware of the dangers of being in the saddle but there are many scenarios that can cost more than expected or cause major inconvenience if not covered. Other providers with worldwide policies include Cycleplan, CycleGuard and PedalSure, which says it offers a true worldwide policy without any restrictions. Cheap Bicycle Insurance You can count on Cheap.co.uk to get you a great deal on your bicycle insurance! Itâs been around some time and offers a highly modular policy, allowing you to include or exclude almost every element of cover, giving lots of flexibility. 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. How much can I insure my bicycle for? It covers bikes up to £12,500 and provides good cover for those considering long trips abroad. Our table below compares Wiggle Cycle Insurance with other bicycle insurance options. Bicycle crime is serious business in the UK: in 2017, there were around 290,000 bike thefts. As mentioned previously, a Bought By Many colleague broke his arm in a race. advertising space so a particular insurer may be highlighted in the article and, 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. Bikmo and Yellow Jersey offer worldwide policies and both have features that payout if your bike or the box it being transported in are damaged in transit. You can see our reviews of the top providers here. Many home insurance policies will not cover your bike if it is stolen from your car but Yellow Jersey and CycleGuard advertise in-vehicle cover. Good for: all-rounders, commuters, amateur races, taking a bike on holiday. While our competitors provide standalone bike policies, we’ve worked to take all of the best bits of a cycle insurance policy and incorporate them into a home insurance policy. We analysed standalone bicycle insurance policies, reviewed the cover (and exclusions) and worked out our best by those which pay back the most compared to how much they cost. Updated 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. Whether you are popping to the shops, or off on a mountain biking adventure, we know how important your bicycle can be in your everyday life. 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. ), Carole Nash, Bennetts, BikeSure to name a few.. Each of these companies use a combination of leading UK underwriters, who all have different policy and pricing arrangements. This register can be checked If your bike is stolen, bike theft insurance can cover the costs of a replacement to get you where you need to … The first is probably best suited to most cyclists, and highlights of the cover include theft, accidental damage, legal expenses and excess-free replacement. Our list is not based on price, although we highlight where insurers may be cheaper for some people because they don't take into account where you live. The Sun website is regulated by the Independent Press Standards Organisation (IPSO), Our journalists strive for accuracy but on occasion we make mistakes. Custom Parts: A part of your bicycle which is essential to its function and add to the value of your bicycle. Then you might enjoy our selection of the best bike locks that money can buy. To inquire about a licence to reproduce material, visit our Syndication site. All recommendations within the article are informed by expert editorial opinion. You are able to insure up to 3 bicycles on one policy. ... it's worth trying these extra steps to see if they undercut your best price. For example, Bikmo, Yellow Jersey and Velosure offer similar recovery policies to those you get for a car, offering transportation to a bike shop or home. Devitt 's multi bike insurance policy calculates the price of your premiums based on the most expensive bike you own and adds around £30 for every additional bike you'd like to insure, allowing you to pay a lot less than you would if you were to insure your bikes on separate policies. Many cyclists will have to do this anyway because a British Cycling membership is required to enter most races in the UK. Another security issue to consider is theft from your car or a vehicle. The best bicycle insurance offers comprehensive cover for serious cyclists, have good customer feedback online, accessible quote processes and are more competitive than other cycle policies. It’s easy to compare insurance based on price – you should always check what … The insurer of choice of British Cycling, Bikmo is underwritten by insurance giants Hiscox and has three tiers of cover – Go, Plus and Race. Electric bikes and home insurance Before you take out a specialist electric bike insurance policy, check your home insurance to see what cover you have for pedal cycles.. 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. Types of Cover Available on an Electric bike Insurance policy. Here's what you need to know. If you have to buy a new lock make sure you keep the receipt because if it disappears along with your bike, youâll need to prove it was secured with an approved device. Being taken out by black ice, a pothole or another racer; scratching a car on a busy road; or having an expensive bike targeted by thieves can happen to anyone. What’s more, you’ll be paid out the equipment’s original value and won’t have to pay a penny of excess. It acts like a specialist health insurance policy for cyclists and offers payouts for physio and if you break a bone. Bought By Manyâs resident roadie found this out after his recent crash and looked into how insurance would have helped. Another way to get a limited amount of insurance is by joining organisations or charities such as British Cycling, Total Cycle Assist or CTC. CycleGuard makes a point of not charging more if you live in a city, which could be beneficial for many commuters. For other inquiries, Contact Us. 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. It covers bikes worth up to £20,000 and is underwritten by Hiscox, an insurer behind many specialist UK policies. The best insurance for different cyclists, 5. It insurers professionals and even covers Team Wiggins. What you need to know about triathlon insurance. However, selecting the best insurance policy for your needs will depend on how you use your bike. A Yellow Jersey policy comes with a DNA+ marking kit worth £36 and other companies provide discounts on well-known cycling brands and deals on the first year's premium. News Corp is a network of leading companies in the worlds of diversified media, news, education, and information services. Research has shown that one in three household policies don’t cover bikes away from home. There are other providers on the market you might want to consider, or have heard about and want more information on. Your actual bicycle insurance quote will be calculated based on your circumstances and takes into consideration what kind of bike you ride and its value. from theft, damage and vandalism, loss by an airline or courier, and even when travelling abroad. The Guardian ... Bike theft: how to stay safe as UK cycle sales soar We work with some fantastic, award-winning insurers that are renowned in the industry at providing first class customer service … Good for: new cyclists, commuters, mountain bikers, enthusiasts, people who have home insurance that covers their bikes. Its bicycle cover protects your bike and equipment (helmet, clothing, GPS, etc.) You can invalidate your cover by using the wrongs locks or storing a bike incorrectly. To find the right bicycle insurance policy you should consider: Maximum cover :If you claim on your bicycle insurance, UK insurers will not pay out to repair or replace your bike beyond this amount. Our cyclist offers include 10% off a Bikmo policy. This service is provided on News Group Newspapers' Limited's Standard Terms and Conditions in accordance with our Privacy & Cookie Policy. In 2018, it launched cheaper cover for entry- and mid-level enthusiasts. Markel has a policy covering almost any type of motorcycle, including cruisers, touring motorcycles, sport bikes, sport-touring bikes, big twins, street bikes, scooters /mopeds, dirt bikes, trikes and other custom motorcycles. It is possible to cover certain risks using a combination of home, health and travel insurance. Its max cover for a single bike is £15,000 and the limit for total bikes is £50,000. Bicycle Insurance Many household insurance policies have limitations when it comes to covering cyclists, their bicycles and their accessories – which is why you need specialist cycling insurance. 679215 Registered office: 1 London Bridge Street, London, SE1 9GF. Also, many policies class cycling as an activity that requires a higher level of cover and activities such as races might be completely excluded. Dedicated cycling insurers have emerged to package the relevant bits of each of those policies into one product. But that can be expensive and leave surprising gaps in cover, especially if you donât have all of those policies. Other plus points include a 60% multi-bike discount and 25% discount at renewal – even if you’ve made a claim. 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. results in a reader taking out a policy with that insurer. The insurer of choice of British Cycling, Bikmo is underwritten by insurance giants Hiscox and has three tiers of cover – Go, Plus and Race. Most contents insurance policies that include bikes have a low cover limit, which is likely to be below the value of your electric bike, and unlikely to cover bicycle theft away from the home. If you have upgraded any components, you must increase the bikes value accordingly. You use your bike every day. 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. This includes seat posts, saddles, handlebars etc. The maximum sum insured is £5,000 per bicycle. Some providers offer security freebies. Bought By Many Ltd is authorised and regulated The below selection are the best cycle-specific providers around. Get the best bicycle insurance in the UK with the help of See Compare Buy. And they are unlikely to cover your bike while it is in the hold of a plane. Get a quote for PedalSure's policies or read a review of PedalSure's cycling cover. It covers bikes up to £10,000 and does not seem to price by postcode, which means it could be cheaper for some city cyclists. For example, Bikmo and Yellow Jersey do not provide public liability for the USA and Canada. At Bought By Many we aim to help people understand all of the insurance options available to them and choose a policy that works for their needs. Address: 1-10 Summers Street, London EC1R 5BD. Can I insure more than one bicycle on my policy? by the Financial Conduct Authority - Register number 652623. 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%. All of the above cycling policies also offer public liability to cover any legal costs or payouts if youâre at fault in an accident. Specialist bike insurance is your best bet if you want to cover all eventualities relating to both theft and injury. The UK motorbike insurance market is dominated by a selection of brokers, these include Devitt (us! "The Sun", "Sun", "Sun Online" are registered trademarks or trade names of News Group Newspapers Limited. Bicy Insurance offer excellent value bicycle insurance and cycle insurance. Some cyclists feel their home insurance provides enough cover for their bike â it includes public liability cover outside your home and may meet the costs of replacing a bike. 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. 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. Our bicycle insurance is for the everyday cyclist, get a free quote today. 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. PedalSure is unique in that it allows you to choose cover for yourself, rather than your bike. Insurance protects against financial loss and inconvenience when an unexpected event happens. However, it's worth noting that worldwide policies often do not offer public liability cover for certain countries. Although you will need normal travel insurance when going abroad, having a cycle policy means your bike is covered and you won't have to pay for extras on your travel cover. Bicycle specific companies. Need a new bike cover? There are also pros and cons in buying specific bicycle insurance. So if you value your bike, bicycle insurance is an absolute must. Get thebest bicycle insurance in the UK with the help of See Compare Buy. Our approved lock list has been created to make sure that the best level of defence is being provided against cycle theft. Good for: all-rounders, taking a bike abroad. You can find our approved locklist which details our requirements here. ... We can also help by providing comparsion quotes from top UK providers of electric bicycle insurance. and how much should it cost? Be sure to always read the small print because there are conditions you have to meet to make a claim, for example, CycleGuard says the bicycle has to be "secured through the frame using an approved lock, to the roof or bike rack or if the vehicle is suitable, stored out of sight". we will receive commission if clicking on a link to one of the named insurers As you might guess from the name, Yellow Jersey specialises in training and racing and will even cover fees for races you might not be able to attend after a crash. Bikmo was named Best Bicycle Insurance Provider at the 2016 Insurance Choice Awards. 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. 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