Bicycle Insurance Trusted by Thousands

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).