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Insured cyclists

Looking for a great deal on bike insurance? Within a minute or so you can compare both premiums and benefits from about 25 top bike insurers here.

Don't just get a quote - compare multiple ones, with just a short, simple form! You may be surprised to find out how affordable it is.

Why would anyone need bike insurance?

The Office for National Statistics reckon that about 300,000 bikes are stolen every year. It's no wonder really - they are so easy to steal and to sell - there are tens of thousands for sale on a certain popular auction site right now!

That's not the whole story either. Millions of motorists have insurance that covers them for accidents, and yet cyclists are the most vulnerable people on the road. ROSPA (The Royal Society For The Prevention Of Accidents) reported that although in 2019 the police recorded more than 4,000 accidents in which cyclists were killed or seriously injured, with nearly 17,000 suffering less serious injuries, even when people were hospitalised the police were not necessarily informed so the true figures could be several times as many.

So yes, cycling is a popular and economical means of transport, and in an age when we are aware of the need to protect our environment it is green as it can get, but there is no avoiding the fact that an accident that means a scratched or dented wing to a car driver could have far greater consequences for a cylist.

What about third party liability?

Motorists, whether they drive mopeds or fuel tankers are obliged to have third party insurance. This is so that if they cause an accident that damages property, or worse still damages people, funds will be available to cover the costs - which for personal injury could be very high indeed. Cyclists too can cause accidents; not so much involving powered vehicles but pedestrians can and do get seriously injured or even killed by cyclists. There may be no obligation, at present, for cyclists to have third party liability cover but a good cycling insurance policy will probably include it, removing a huge responsibility from a cyclist who has inadvertently caused an accident and who is pretty traumatised by it already.

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.

Just what can be covered?

Just about every policy will cover theft of the bike from your home - this is vital because this is where more than half of all thefts occur. Different policies might include, or offer as optional extras, many other benefits (which is why comparing benefits as well as prices is essential) and these can include:

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

Is bicycle insurance expensive?

Compared to car insurance it can seem extremely cheap but everything depends on the risk factors. A low value runabout with basic cover could cost just the price of a reasonable restaurant meal, but a sophisticated racing bike worth well into 5 figures could cost a few hundred pounds to insure. However it only takes a very short time to get quotes so why not get one now.

As with a car or motorbike you can usually reduce the cost of your insurance by taking certain precautions so see our 'How To Protect Your Bike' page for more information about this.

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