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Specialist Cycling Insurance through Cycleplan

Why choose Cycleplan for bike insurance?

  • Your ride, your insurance

    No off the rack policies here. Choose your cover so you only pay for what you need – whether commuting, exploring, or just rolling.  

     

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  • 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

  • Got a few bikes? No problem.

    You can protect all your bikes on one policy. There’s a 10% premium discount available on all bikes too (excluding the bike with the highest value).  

    See multi-bike cover

  • 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

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

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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