Cycling and bicycle insurance is a form of financial protection that covers cyclists against the various risks associated with cycling and bike ownership.
As a cyclist, you’ll be well aware of the sport’s many benefits, but you’ll also know that your passion is not without its fair share of risk.
For example, accidents, injury, and theft of or damage to your bike and equipment are all risks associated with cycling. Cycling insurance is specifically designed to protect against these and more.
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Cycling insurance covers you should the worst happen. 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 cycling insurance, these things could leave you substantially out of pocket. So, while cycling insurance is not mandatory, you may wish to consider it as an option.
You certainly wouldn’t be alone in assuming your standard home insurance policy is adequate when it comes to protection for things like your bike and its accessories.
Many are often unaware, though, of some of the common limitations of standard home insurance policies—which is why you may wish to consider specialist cycling insurance.
Research has shown that one in three household insurance policies don’t cover bikes away from the home, leaving you uninsured while out on the road. Even if you have contents insurance, you’ll likely have to add your bike onto your policy at an additional cost—and even then, it probably won’t be insured the second you leave your home.
However, with specialist cycling insurance, you can rest assured your bike is covered whether you’re at home or out and about. Public Liability cover will also protect your legal liability if you accidentally injure someone or cause damage to property while riding your bike.
The cost of cycling insurance varies depending on several factors, such as the monetary value and age of your bike, plus the level of cover you choose.
Get a quick quote online with Cycleplan for a more accurate picture of what your cover could cost.