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Bicycle Insurance Trusted by Thousands

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Rated 'Excellent' on Trustpilot by Thousands of Happy Riders

Why choose Cycleplan for cycling insurance?

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    Award-recognised cover

    Cycleplan is recognised as a leading cycle insurance specialist, most recently highly commended in 2024 at the ICA Compliance Awards for ‘Best Cycle Insurance Provider.’ 

     

    About us

  • Electric powered cover

    Cover needn't be an uphill struggle. Give your freedom a boost by choosing cover to protect your bike adventures.

     

     

     

    Get e-bike insurance

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    Discounted multi-bike policies

    When you protect all your bikes on one policy, there is a 10% premium discount available on all bikes too (excluding the bike with the highest value).  

     

     

    See multi-bike cover

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    Loss of earnings cover

    Cycleplan can arrange loss of earning cover of up to £750 per week, meaning if you’re in a cycling accident and cannot work, you may be eligible to receive weekly payments to help offset lost income 

    Important documents

  • Trusted by many, provided by specialists

    Rated Excellent on Trustpilot and with insurance provided by Aviva, you can trust us to help keep you protected. 

     

    Read our reviews

Bicycle insurance designed for everyone

Cycleplan arranges specialist bicycle insurance for commuters, leisure riders and cycling enthusiasts across the UK, so you can have confidence that your cover is backed by true specialists.

With cover that includes add ons to suit to your requirements and highly commended at the ICA Compliance Awards, Cycleplan insurance helps you ride with confidence. From quick spins to epic adventures, you can enjoy every moment, knowing that Cycleplan is helping to protect you 

Electric bike

Mountain bike

BMX bike

Hybrid bike

Folding bike

Commuter bike

Bicycle insurance vs home insurance?

Many cyclists rely on home insurance to protect their bike, but this type of cover often does not extend to the same level of protection when the bike is being used out on the road. While some policies include bicycles as part of your contents, cover can be limited, especially for theft or damage away from home. 

Bicycle insurance is designed specifically for cyclists, offering more comprehensive protection both at home and on the move, with options for how and where you ride. 

 

What does bicycle insurance cover?

Bicycle insurance

  • Theft and damage of your bike up to £30k, and accessories up to £1k
  • Public liability up to £5m
  • Personal accident – covers emergency dental, hospitalisation, physiotherapy, and more up to £50k
  • Loss of earnings up to £750 per week
  • Replacement bike hire up to £1k
  • Competitive use – extends your normal cover when you enter a competition
  • Race fees – non-refundable race fees covered up to £250
  • Taxi fees – covers the cost of getting home following an accident by up to £50
  • Multi trip abroad – you can select both European and Worldwide cover up to 45 days for any one trip
  • Multi-bike policy
  • Claims where Evidence of Ownership cannot be provided
  • Theft where the security requirements haven’t been met
  • The use of the bike for trade or business purposes (excluding commuting to or from work)
  • Public Liability under the age of 16


For more information and the full list of what’s covered and not, visit our important documents page.

Remember, the policies we arrange are provided on the basis that bikes left unattended are secured to an immovable object using either the appropriate Sold Secure rated lock or Thatcham-approved lock. You can learn more about the security requirements here

Meet our cycling insurance expert

"A bicycle is often a valued possession, whether it is received as a gift or bought for personal use. In 2025, 50% of claims were for bicycle theft, highlighting the importance of sensible security precautions. Using appropriate locks and following good security practices at home and when out and about can significantly reduce the risk of theft.

"When away from home, it is important to ensure your bicycle is secured to an immovable object. Our policy wording and website offer further guidance on recommended security measures to help minimise the risk of loss."

Sean Carney, Chief Underwriting Officer

Read Sean's bio

Theft & accidental damage

This covers theft of your bike from your home, away from home or from a motor vehicle. Cover also includes malicious and accidental damage to your bike. 

View bike theft protection tips.

Public Liability & Personal Accident

If you accidentally injure someone or damage property while riding, you're covered for broken bones, hospitalisation, physiotherapy and more.

Explore Public Liability cover.

Electric bike insurance

Whether your electric bike is for commuting, off-roading or assisting a healthy lifestyle, you can choose your cover to protect your electric powered adventures.

See e-bike insurance.

Get a quote

Refer your friends and you’ll both be rewarded

If you choose to refer your friends to us, not only will we reward you with a voucher of your choice but your friends will receive an exclusive discount too!

Refer a friend

Why consider bicycle insurance?

Regardless of how often you cycle or even the value of your bike, there are multiple reasons why you may want to consider bicycle insurance.

Let’s say you’re involved in a collision on the road, you sustain a nasty injury, and your bike is badly damaged—or your bike gets stolen from your home. Without appropriate cycling insurance, these events could leave you off the road for a while and substantially out of pocket.

Although you might assume that your standard home contents insurance will cover your bike and its accessories, this may not always be the case. In fact, many home insurers will require you to pay an additional premium to cover your bike, and even then—there’s no guarantee you’ll be covered to ride it outside of your home.

That’s why specialist bike insurance, designed with your needs in mind, could be a better option.

Top 3 need-to-know bike insurance facts

Electric bikes have grown rapidly in popularity for their convenience, sustainability, affordability and health benefits.

Discover more e-bike details.

Your home insurance may not cover your bike outside of the home and is unlikely to cover in the case of accidents.

Compare cycling vs home insurance.

Your policy may be invalid if your bike is stolen and you don't have proof of owning an approved bike lock

See approved bike locks.

How much does bicycle insurance cost?

The cost of cycling insurance can vary depending on several factors, such as how much your bike is worth, plus the level of cover you choose. In 2024, more than half of our new customers paid less than £7.85 per month*. 

However, the best way to check how much your cover could cost is to get a quote online through Cycleplan.

Cycling insurance FAQs
  • Bike insurance is designed for anyone who owns a bike. Regardless of how often you ride or even how much your bike is worth (up to £30k), you can get insurance to suit your needs through Cycleplan.

    Obviously, not everyone considers themselves a cycling pro—so that’s why you don’t have to be one to get cover. Whatever stage of your cycling journey you’re at, Cycleplan is here to help.

  • Through Cycleplan, you can cover your cycling accessories up to a combined total value of £1,000. This could include your helmet, shoes, jerseys, vests, glasses, goggles, helmet-mounted cameras, GPS units, and lights where there’s also a successful claim to your bike.

  • Yes, multi-bike insurance through Cycleplan allows you to cover multiple bikes on one policy.

    What’s more—if you add more than one bike to your policy, you’ll also get a 10% premium discount on all bikes (excluding the one with the highest value).

  • Only the person named on the policy, or parents, spouse, partner, son, daughter, or siblings that permanently live with you would be covered.

  • The insured value of your bike depends on its age and purchase history. If it’s up to 3 years old and was purchased new, the value should be based on the RRP price. If your bicycle is over 3 years old, then its indemnity value should be used.  

  • For Equipment and Accessories Cover, the standard Cycleplan policy excess is £50 or 10% of the claim value. However, you can select a higher amount if you wish, which will reduce your premium.

    Alternatively, you can also choose a zero policy excess, but this will increase your premium. More information on claims can be found in our important documents.

    There is no excess on Public Liability claims.

  • Public Liability Cover is not available for people under the age of 16.

  • Yes, Cycleplan insurance covers theft away from home, including places like train stations, cafés, your workplace, as long as your bike is locked correctly to a secure, immovable object and meets the policy’s general security requirements and required lock standards.

  • While home insurance can offer some level of cover, it’s usually designed for general household items, not expensive or frequently used bikes.

    Cycleplan insurance is designed specifically for bikes and includes things elements theft away from home, accidental damage, event cover, and protection for accessories, features that aren’t always included in standard home insurance.

  • Yes, you’re typically covered for accidental damage during organised rides like sportives or charity events.

    However, if the event is classed as a race or competitive event, you’ll need to have selected competitive use cover. 

  • Yes, accidental damage is usually covered, including while your bike is being transported on a car rack, provided it was secured properly.

  • No, Cycleplan insurance does not cover bikes used for food delivery, courier work, or any business use. 

    Cycleplan policies are designed for personal use only, such as commuting, leisure riding, or training. If your bike is used to earn money, including delivering food or working as a courier, this is classed as commercial use, which is excluded from cover.

  • No, multi-bike insurance through Cycleplan allows you to cover multiple bikes on one policy. 

    What’s more, if you add more than one bike to your policy, you’ll also get a 10% premium discount on all bikes (excluding the one with the highest value). 

Important documents

If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.

More detailed cover information can also be found on our Important Documents page.

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Cycleplan is a Insurance Services product

©Copyright Ripe Thinking Limited 2026.

Cycleplan® is a registered trademark and a trading name of Ripe Insurance Services Limited which is Authorised and Regulated by the Financial Conduct Authority No.313411. Registered office: One Stockport Exchange, Railway Road, Stockport, United Kingdom, SK1 3SW. Registered in England No. 04507332. *Annual Charge was £77.81. If paid monthly, a 20% deposit of £15.56 was applied followed by 9 repayments of £7.85 with 13.5% APR using a Third Party Repayment Facility