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Ride worry-free with specialist road bike insurance
A road bike is more than just a way to get around—it’s an investment in your fitness, adventure, and passion. However, risks like theft, accidental damage, or accidents involving other road users can impact your rides.
With specialist road bike insurance, you can enjoy peace of mind knowing you’re covered, whether commuting through the city, training for your next race, or tackling long-distance rides.
Why choose Cycleplan for road 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 road bike insurance cover?
Road bike insurance
- Theft and damage of your road bike and accessories up to £30k
- 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.
Why consider road bike insurance?
Road cycling is a great way to keep fit and explore, but travelling by road presents unique risks. For instance, a close pass from a car could lead to an accident, and you might need medical attention. Specialist road bike insurance can cover emergency dental costs and loss of earnings, helping you avoid financial strain while you recover.
Additionally, theft or damage is still possible, even if your bike is securely locked. Road bike insurance can prevent you from having to cover expensive repairs or replacements in these worst-case scenarios.
Worldwide road bike insurance
Explore with confidence using our Worldwide and European policy option
A road cycling holiday is the perfect way to discover new destinations, take on epic climbs, and enjoy scenic routes you wouldn’t otherwise see. Whether you’re tackling the coastal roads of Spain or cruising through the vineyards of France, Worldwide and European road bike insurance through Cycleplan ensures you’re covered at every turn of the pedal.
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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Road bike insurance in the UK isn’t legally required. However, if you ride frequently or own a high-value bike, you might want to consider it for protection against risks like theft, damage, or third-party claims.
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Your age, location, and chosen level of cover are all factors that affect this. The quickest way to learn the cost of a road bike insurance policy through Cycleplan is to get an instant online quote.
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Your home insurance policy may cover your bike for theft or damage but not always for third-party claims when you’re on the road. You might want to consider specialist road bike insurance for additional protection tailored to cycling-related risks.
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The insured value of your road bike depends on its age and purchase history. The value should be based on the RRP price if it’s up to 3 years old and was purchased new. However, if your bike is over 3 years old, its indemnity value should be used.
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We understand that insuring more than one road bike can get expensive. This is why we have a multi-bike cover option, where you’ll receive a 10% discount on all bikes, excluding the one with the highest value.
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Yes—road bike insurance through Cycleplan includes cover for competitive use and up to £250 of cover for non-refundable race fees.
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Your bike is covered for use by immediate family members who permanently live at the address where your bike is insured. This can include your parents, spouse, partner, son, daughter, or siblings.
Whether you have a single or family bike policy, everyone in your household will be covered by the benefits selected free of charge. So, if you choose Personal Accident or Public Liability cover, you won’t need to pay additional fees to cover your family members.
Your bike wouldn’t be covered if something happened to it while it was in the hands of anyone other than your immediate family.
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!
Road bike tips & advice
