Underwritten by Aviva

Bicycle Insurance

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What does our bicycle insurance cover?

If you’re a keen cyclist, your bike is your pride and joy, so you’ll want to protect it. This is where we can help you. Our specialist bicycle insurance will ensure that your bike is covered for potential theft or damage, meaning you don’t lose out financially if you have to repair or replace it.

Protection against theft

According to the national cycling database BikeRegister, around 317,000 bikes are stolen every year in the UK. Therefore, the odds of your bike being stolen might be higher than you think. In fact, 89% of cyclists in the UK feel that we are behind other nations when it comes to bike security. This statistic shows that theft is a serious threat that many cyclists worry about.

However, with our insurance, you can have peace of mind knowing you’re covered if your bike is stolen, whether you’re at home or out and about. If your bike is less than three years old and was bought new, we will replace it with a new bike, allowing you to get back out on the road as soon as possible. Even if it’s over three years old, we will still cover it on an indemnity basis, i.e. for its current market value based on wear and tear over time.

For more information on how and where to lock your bike, click here.

Protection against damage

When you’re out cycling, all it takes is for you to collide with a parked or moving car or hit a pothole that you didn’t spot, and your bike could sustain serious damage.

If this happens, we can help cover the cost of repairs or replacements. You can even add multiple bikes to your policy, up to a maximum value of £30,000. That way, you can keep your cover simple by insuring all your bikes on just one policy.

What’s more, we can protect accessories for your bike, up to a total value of £1,000. This cover will ensure that, like your bike, your accessories are protected against theft and damage.

Why choose our specialist bicycle insurance?

At Cycleplan, we understand how important your bicycle is to you. That’s why we’ve designed our bespoke bicycle insurance around your needs, wherever you are in the world. You can tailor your policy to suit you and your bike so that you only pay for the protection you need.

In addition, we promise to provide you with great cover and exceptional service at the best price backed by the Ripe Guarantee. This guarantee ( which covers all the products provided by our parent company Ripe Insurance) means that if you take out a policy and within 14 days find the same levels of cover and terms elsewhere for less, we'll refund the difference.*

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*Lowest Price Guarantee is based on like-for-like cover. A written quotation from the comparable provider must be provided, as well as their Policy Terms. Ripe will endeavour to respond to any quote request within 14 days from receipt of all relevant documentation.

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