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Ride to work safely with specialist commuter bike insurance
Using a bike for commuting offers many benefits, from improving fitness to clearing your mind on your way to and from work. But it also comes with risks, including theft, accidental damage, and unexpected incidents on the road. Specialist commuter bike insurance can help you feel protected on your daily ride, whether you’re commuting, running errands, or navigating city streets.
Why choose Cycleplan for commuter bike insurance?
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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.
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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).
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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.
What does commuter bike insurance cover?
Commuter bike insurance
- Theft and damage of your bike and accessories up to £30k
- Public liability up to £5m
- Personal accident – 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-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 the appropriate Thatcham-approved lock. You can learn more about the security requirements here.
Why consider commuter cycling insurance?
Your daily bike ride to work can hugely improve your health and wellbeing and help you avoid the effects of a sedentary lifestyle. But as with all outdoor activities, accidents can help, even if you follow road safety advice. For example, a close pass from a car could knock you off your bike, and you may need medical attention—specialist commuter bike insurance could cover emergency dental costs and loss of earnings, helping you avoid financial strain while you recover.
Also, theft or damage is common in city centres, even if you lock your bike securely. Commuter bike insurance can prevent you from having to cover expensive repair or replacement costs in the worst-case scenario.
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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A commuter bike is any bicycle used for daily transportation, typically for commuting to work or other regular destinations. The most common types are road bikes, hybrid bikes, and e-bikes, as they’re designed for comfort, durability, and efficiency on city streets or paved roads. These bikes are built to handle daily rides and urban environments with ease.
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You’re not legally required to hold a commuter cycling insurance policy in the UK. Still, you may want to consider this for added protection against risks such as theft, damage, or third-party claims following an incident on the road.
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The cost of your commuter cycling insurance policy depends on many factors, such as:
- your chosen level of cover
- your age
- your location
You can get an instant online quote today to learn the cost of your commuter bike insurance. Plus, if you take out a policy and find the same level of cover and terms elsewhere for less within 14 days, we’ll refund the difference.
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Yes—we have a multi-bike cover option where you’ll receive up to a 10% discount on all bikes, excluding the one with the highest value.
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!
Commuter bike tips & advice
