Bicycle Cover Unveiled
Jargon, terms and conditions, don't worry, we've got this
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Bicycle Insurance Cover Levels
There are loads of options for cycle insurance cover including standalone cycle insurance products, as well as cycle insurance extensions that can be bolted onto your home insurance. Standalone cycle insurance tends to offer the most comprehensive cover, cover that can be tailored specifically to your needs.
Standalone Bicycle Insurance
Standalone cycle insurance policies are specifically designed to cover your bike against theft and damage, as well as providing cover for personal accident and liability and sometimes, more. These policies can be tailored to your individual needs, with options for varying levels of cover, excesses, and additional benefits.
Cover for Theft and Damage
The most basic level of cover provided by cycle insurance policies is protection against theft and damage to your bike. This can include cover for accidental damage, malicious damage as well as theft from a locked location while you're out and about.
Personal Accident Cover
Personal accident cover is an optional add-on to many cycle insurance policies. This type of cover provides financial protection in the event of an accident that results in injury, disability or death. Some personal accident covers can help to cover medical expenses, lost income, and other related costs.
Liability Cover
Liability cover is also an optional add-on to many cycle insurance policies. This type of cover provides financial protection in the event that you are responsible for causing injury or damage to a third party while cycling. Liability cover can help to cover legal costs, compensation claims, and other related costs.
Home Insurance with Bicycle Cover
Some home insurance products offer cycle cover as an optional add-on. This type of cover typically includes protection against theft and damage to your bike.
Adding cycle cover to your home insurance policy can be a convenient way to protect your bike and benefit from the protection of your existing policy. However, you're likely to not have the level of cover you may truly need - check out what's covered and if it meets your needs.
Additionally, if you make a claim for your bike on your home insurance policy, at renewal, you're likely to see a price increase and you could potentially lose some of your hard earned no claims discount, impacting your premium further.
Travel Insurance with Bicycle Cover
Travel insurance does not offer an extension to add your cycle on cover, not only for your trip abroad but to protect your gear whilst in-transit. This is where cycle insurance as a standalone product features well, offering the cover that you'll need when travelling abroad.
Key Benefits and Features of Cycle Insurance
Cycle insurers offer differing features and benefits, keep an eye on the detail. We've outlined her what Muc-Off Full Send offers do you're able to easily compare apples with apples
Cover for theft as well as accidental and malicious damage to your bike, both at home and while you're out and about.
Cover for the more serious incidents and protection from third-party injury and property damage claims against you.
Unique cover tailored to your build. Ensure yous cover the valuable accessories and have cover for the mods that you've made.
We'll offer assistance if your cycle breaks down mid-ride and the option to add cover to hire a cycle, should you need it in you've had a claim.
Don't forget this all important cover, often overlooked. With our free legal helpline and cover, you'll be protected to claim any uninsured losses and to defend yourself against a claim.
Bicycle Insurance Regulation (U.K.)
Bicycle insurance is not a legal requirement here in the U.K. however, considering the risks of theft, damage, accident and liability, it's prudent, in our humble opinion to ensure you'r covered for all eventualities.
Now Check out Our Cover Levels
We'll get you a replacement bicycle quickly - don't forget that Gold/Diamond Secure lock!
Including cover for accidents and malicious/vandalism
Free legal helpline and legal cover to recover uninsured losses
We provide you with cover in the event that you seriously injure yourself whilst out cycling
Injury to a member of the public or damage to third party property whilst out riding
Want to be covered while you're cycling the globe? No problem!