Bicycle Insurance

Insuring your bicycle can be the sensible thing to do as this will ensure you’re protected against the unexpected should the worst happen. It’s also worth bearing in mind that some bicycles can be expensive to replace – so if you couldn’t afford to buy a new one, then cycle insurance could be the best option.

If you’re planning on taking your bicycle with you to university, then you may want to consider insurance so you’re not left out of pocket in the event of accidental damage, theft, vandalism and more – especially when you’re living on a student budget.

While you may already have some cover in place under your parents’ household policy, double check if and where your bicycle is covered whilst you are living away from the family home.

There may be times when your parents' insurance policy will extend cover to your bike when you are living away from the family home. However, this is not always the case, so it’s important to speak to the home insurance provider to check what’s covered.

Even if cover is provided under your home insurance policy, you may find that it isn’t as comprehensive as the cover you could benefit from with a separate specialist cycle insurance policy. For example, you may not be covered on a new for old basis or when your bike is used away from your student accommodation.

As part of cycleGuard’s standard cycle insurance, you’ll receive cover for theft and accidental damage, as well as vandalism, fire, and flood damage as standard whether inside the home or away from your home, as well as:

• Cover in the UK and 30 days EU travel
• Multi-Bike Discount
• Up to £2,500 cycling accessories cover
• 24/7 Cycle Rescue recovery
• New for Old Cover
• Replacement Bike Hire
• Interest free 0% monthly payments

There is also the option to extend your cover to include:

• £5m Public Liability
• Global Travel
• Personal Injury
• Race and Compete cover

Terms and conditions apply – find out more at cycleGuard.

It can be tempting to go with the cheapest quote, but you may find that certain policies are less expensive because they exclude essential covers you may require.

Before choosing a policy, you may want to compare different insurers to make sure your bicycle will have the protection it requires.

Making sure cycle insurance has everything you need, as well as being an affordable price, will help you decide the right policy for you.

From obtaining a cycle insurance quote to making a claim, here’s a step-by-step guide to how cycle cover works:

Step 1 – Get a quote

Getting an online quote is quick and easy. We partner with cycleGuard for cycle insurance, which means you can get a quote quickly! All you need to do is input a few details about yourself and your bicycle.

Step 2 – Set up your policy

If you’re happy with the price, you just need to pay for your policy by following the on-screen instructions.

Step 3 – Enjoy your bicycle

Once your specialist cycle insurance policy is set up, you can head out and enjoy the ride.

Step 4 – Make a claim should you need to

Should the unexpected happen to your bicycle, you’ll need to get in touch with cycleGuard to make a claim. Once you’ve submitted your claim, it’s been accepted and you’ve paid your excess, your bicycle will either be repaired or replaced.

To make a claim, contact cycleGuard’s claim team on 0333 004 199 or email them at claims@guardcover.co.uk as soon as possible to report the claim, complete the required steps and provide the requested information (like proof of ownership).