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Multi-bike insurance and family bike policies

In 2024, more than half of our new customers paid less than £7.85 per month* Read more

Get an additional 10% off* when you insure more than one bike 

Multi-bike insurance

Whether you’re an avid cyclist who owns multiple bikes or looking to create a family bike insurance policy through Cycleplan, you can add multiple bicycles to one policy to ensure that all the bikes on your policy are covered. 

Family bike insurance 

With multi-bike cover through Cycleplan, you can protect all your family’s bikes on one simple policy. 

Plus, everyone in your immediate family who lives with you will be covered by the benefits selected - FREE of charge. So, if you decide to take out Personal Accident or Public Liability, everyone in the house will be covered without you needing to pay any additional fees.  

Multi-bike insurance discount 

At Cycleplan, we understand that insuring more than one bike can start to get expensive. That is why if you add more than one bike to your policy with us, you’ll receive up to 10% discount on all bikes excluding the bike with the highest value. 

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Why choose Cycleplan for family 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.

     

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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. 

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What does multi-bicycle insurance cover?

Multi-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 bikes hire up to £1k 
  • Competitive use
  • Non-refundable race fees – Covers the cost if you could not attend due to injury or a valid bike claim up to £250 
  • Taxi fee reimbursement – Up to £50 towards the cost of getting home following an accident on your bike 
  • Theft where the security requirements have not been met 
  • Claims where evidence of ownership cannot be provided  
  • The use of the bike for trade or business purposes (excluding commuting to or from work), hire, reward, courier use or carrying paying passengers 
  • Any accident whilst the bicycle is being used for competitions, unless this option has been selected and the additional premium paid for 
  • Public liability is not available to anyone under the age of 16 


For more information visit our Important Documents Page

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How many bikes can you add to a multi-bike insurance policy? 

Through Cycleplan, you can ensure up to 5 bikes, per policy. These can also be different types of bikes, ranging in different values. 

Types of bikes you can insure on a multi-bike insurance policy 

Road bike

E-bike

Mountain bike

BMX bike

Hybrid bike

Folding bike

Commuter bike

Other bike

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.

 

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!

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Got a question? Call our UK call centre 08000 92 92 68

Cycleplan is a Insurance Services product

©Copyright Ripe Thinking Limited 2025.

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: The Royals, Altrincham Road, Manchester M22 4BJ. 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