Damage to your bike
On a road bike, the dangers are obvious: other cyclists, car drivers and potholes. But on a hybrid, there are many more dangers to contend with. Riding on dirt paths, for example, puts an extreme amount of force through the bike, which it has to deal with.
As a cyclist, you also have to be aware of other road debris such as gravel, low flying tree branches and roots that could harm the bike. Our hybrid bike insurance will cover you for accidental damage, bike repairs or a replacement.
Damage to your clothing and accessories
Depending on what type of bike ride you want to do will determine how much you will have to modify your hybrid. A summer’s day ride through the lanes won’t require much, but an evening commute home will mean you will have to add lights to the front and back of your bike.
Alternatively, if you want to spend a day on the bridleways, then you might want to add on some mudguards, or even a pannier to carry extra clothing and food. All this needs insurance cover, as a lot of bike accessories aren’t cheap. If your accessories or clothing are damaged or stolen, you can make a claim if you’ve taken out our bicycle accessories option.
It doesn’t matter where you are, if you leave a bike on its own then you need to lock it securely. Bike thefts don’t only occur in the city. Whether you’re in a country pub, a nature reserve or a wooded bridleway, fasten it properly to an immovable object.
If your bike or parts of it are stolen, providing it’s locked correctly using an approved lock , you will be covered. Standard on all our policies is a brand new bike if your stolen bike was up to three years old and purchased as new.