Why Do I Need Insurance?

Summary of Insurance

Important Documents

Frequently Asked Questions

Buy Annual Policy - 25% off

Activate your free insurance now!

You will instantly be covered for:

Bicycle cover up to £2,000

Clothing/accessories cover up to £500;

Theft of your bicycle at home, away from home or in a vehicle

Accidental or malicious damage to your bicycle


Why Do I Need Insurance?


Every year in the UK around 500,000 bicycles are stolen - that's one every minute. Mistakenly, many cyclists assume their bikes are protected under their household insurance, and it's only when they make a claim that they discover there are limitations to this. To avoid these shortcomings it makes sence to take out specialist cycling insurance.

A Cycleplan policy will:

  • Provide "new for old" cover standard on bikes up to 3 years old. If your bike is stolen, was new when you bought it and was up to 3 years old, we'll replace it with a brand new bike
  • Cover your bicycle when out and about. A household policy will likely only cover the bike when it's at home.
  • Protect your cycling clothing and accessories - from helmets to shoes to cameras and locks, the cost of your accessories can really add up.

Summary of Insurance


Four weeks free insurance provides the following cover:

  • Theft of your bicycle from your home
  • Theft of your bicycle while away from your home
  • Theft of your bicycle from a motor vehicle
  • Accidental damage to your bicycle
  • Malicious damage to your bicycle

We will pay for the cost of replacement as new up to the limit stated on your insurance schedule providing the damaged bicycle was not more than 3 years old at the date of loss, provided it was new when you purchased it and you have the original sales purchase or till receipt or other evidence that clearly demonstrates ownership. If the bicycle was more than 3 years old or was not new at the time of purchase, then we will deal with the claim on an indemnity basis.

Important Note: This insurance does not include competitive use, security conditions for theft apply. Please consult the policy wording.

To qualify for the free insurance you must have purchased a bicycle up to the value of £2,000 and/or clothing or accessories from a Cycleplan Approved Partner. Proof of purchase must be made available upon request

Important Documents

Please note that the above is a brief summary of cover and should be read together with the full policy terms, conditions and exclusions, which are detailed within our Important Documents page. Cover is available to residents of Great Britain, the Isle of Man, Northern Ireland and The Channel Islands, and is subject to the laws of England and Wales.

To review, download or print the full details of our cover and Terms of Business, visit our Important Documents page.

Important Documents

Insurance Booklet

To review the full details of our insurance cover, you can download our Insurance Booklet using the link below.

For policies incepted or renewed from 27th February 2019 onwardsDownload

For policies incepted or renewed from 29th October 2018 to 26th February 2019Download

For policies incepted or renewed from 13th September 2017 to 28th October 2018Download

Insurance Product Information Document

The Insurance Product Information Document provides a summary of the main Policy benefits and terms and conditions.

For policies incepted or renewed from 27th February 2019 onwards Download

For policies incepted or renewed from 29th October 2018 to 26th February 2019 Download

For policies incepted or renewed from 13th September 2017 to 28th October 2018 Download

Terms of Business

This Terms of Business agreement sets out the terms on which Ripe Insurance Services Limited agrees to act. It also identifies your own responsibilities both to us and to insurers and it sets out our regulatory and statutory obligations.

View our Terms of Business here, where you can print or save a copy for your records.

Frequently Asked Questions


Q. Does anyone qualify for four weeks free insurance?

A. No, only if you have purchased a bicycle up to the value of £2,000 and/or clothing or accessories from a Cycleplan Approved Retailer.

Q. What happens when my four weeks free insurance expires?

A. We will invite you to take out an annual policy with a 20% first year discount.

Q. What do I do if I have no evidence of ownership?

A. You must have proof of ownership to insure your bicycle. An original sales purchase or till receipt or other evidence which clearly demonstrates ownership, showing date, price paid and details of purchase.

Q. What is classed as an accessory?

A. Accessories include helmets, shoes, locks, jerseys or vests, base layer, gilets, glasses & goggles, jackets, shorts, trousers, wetsuits, backpacks, helmet mounted bicycle cameras, bicycle computers, cycling GPS unit, lights, bicycle luggage, bicycle tools, bicycle armour & guards.

Q. What is an indemnity basis?

A. For bicycles over 3 years old a deduction will be made for wear and tear.

Q. Will my bicycle be covered for theft if it is left at a train or bus station?

A. Yes, providing the bicycle has been secured to an immovable object with an approved lock and has not been left for more than 24 hours at any one time.

Q. How can I check what grade my bicycle lock is?

A. Please click here for more information.

Q. How do I make a claim?

A. For Policies Incepted Between - 01/02/2015 & 31/12/2015 call the Woodgate & Clark Loss Adjusters on 0844 875 1562 For Policies Incepted or Renewed After – 01/01/2016 call the Davies Group 0800 112 4083

Q. What is the excess on the policy?

A. For equipment or accessories an excess of £25 or 5% of the claim value will apply whichever is the higher.

Q. How do I value my bicycle if it is made up of different parts and has been customised?

A. Overall cost of parts using original receipts.

Q. Would my bicycle be covered if I lend or hire it out to others?

A. Only to family members which you permanently live with.

Q. Does my free insurance include any other bike I own?

A. The insurance covers the bike you have just purchased, or if you qualified for the free insurance by purchasing accessories you can include a bike (which you must specify) up to the value of £2,000.

Q. What happens if my bike is worth more than £2,000?

A. We would not be able insure your bicycle, on this policy we can only insure bicycles up to the value of £2,000. We can offer you 25% discount on an annual policy which allows bicycles up to the value of £30,000. Please call 08000 92 92 68 and quote your retailer.

Q. What level of security do I need for my bicycle?

A. Any Thatcham approved lock where the bicycle is valued up to £1,500 Or Sold Secure rated lock:

  • Insured value under £500 require a Bronze rated lock
  • Insured value under £1000 require a Silver rated lock
  • Insured value over £1000 require a Gold rated lock

Please also ensure you have read our General Security Documents

Q. I'm buying a bike through a Cycle to Work scheme – will this affect anything if I need to make a claim?

A. If you need to make a claim, please let us know that you have purchased the bike through a Cycle to Work scheme. You will need to send us the original sales purchase or till receipt as proof of purchase and a copy of the hire agreement. Even if the claim is made during the initial 12 month "hire period", the claim will be settled directly with you, the policyholder.

About Us


Cycleplan is specialist cycling insurance from Ripe, one of the UK's leading niche insurance providers. The cycle insurance specialists behind Cycleplan recognised the limitations of many household insurance policies in terms of covering cyclists, their bicycles and accessories. With Cycleplan you can tailor your bicycle insurance policy to suit your bike and the specialist cover that you need.

We cover most kinds of cyclists, giving peace of mind every time you get on the saddle. Reliable, low-cost and designed so that cyclists only pay for the cover they need, Cycleplan has established itself as one of the leading cycling insurance providers in the UK.

Cycleplan is a registered trademark and trading name of Ripe Insurance Services Limited which is Authorised and Regulated by the Financial Conduct Authority No. 313411.

Lizzie Deignan - Cycleplan Ambassador


Olympic medallist Lizzie Deignan (formerly Armitstead) is one of the most recognisable and respected faces within the world of cycling. After a successful early career on the track circuit, in 2009 Deignan made the move to the road cycling and hasn’t looked back since. Since claiming the 2009 Giro d'Italia Femminile Young Rider title, she has gone from strength to strength winning a string of accolades including:

  • 2017, 2015, 2013 & 2011 National Road Race Champion
  • 2017 Tour de Yorkshire
  • 2014 Commonwealth Games Gold Medallist Road Race
  • 2014 UCI Women’s Road World Cup Champion
  • 2012 Olympic Silver Medallist
  • 2010 Commonwealth Games Silver Medallist Road Race

Now racing for the esteemed Boels-Dolmans Cycling Team, Deignan is one of the most highly ranked individuals in professional women’s cycling.

Deignan’s demonstrable success when on the saddle and professional nature on and off the bike are all attributes that have led her to becoming the Cycleplan ambassador, the leading UK cycle insurer.

Comments Deignan: “Having grown up around bicycles and ridden them for both leisure and competitions in lots of different places and environments, I’m all too aware of the potential pitfalls of cycling and cycle ownership. Whether you’re a keen weekend hobbyist or use your bike to commute, there are too many potential hazards out there not to consider specialist cycling insurance. No matter how experienced you are, I would advise any cyclist to get insured before getting on your bike.”

Contact Us


For Enquiries:

If you have any questions, please email admin@cycleplan.co.uk

Or call our UK based Customer Service Team on 08000 92 92 68
(Mon - Fri from 9:00am - 5:30pm (excl. Bank Holidays)

The Royals
Altrincham Road
M22 4BJ

For Claims:

+44 (0)800 112 4083

Davies Group
PO BOX 2801
Stoke on Trent