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Tandems are great fun, but come with the added responsibility as you have a duty of care to the person you are riding with. With our tandem insurance, you can enjoy your bike riding without the worry.

We know you love riding your tandem bicycle. It’s a fantastic way to explore the country, sharing experiences with family and friends. It’s also a brilliant way to get fit and motivate one another to push that extra mile.

Whether you’re taking part in a cycle challenge with a friend, on a romantic bike tour with your partner or on a family trip with many other tandems, insuring your tandem, your kit and of course, yourself, puts an end to stress and worry every time you ride and whatever situation you find yourself in. Here are five good reasons why you should consider our specialist tandem insurance.

Damage to your tandem

Tandems aren’t cheap with entry level bikes starting around the £800 mark and top end bikes costing in excess of £2000. Remember, tandems are specialist pieces of kit, and their components cost hefty sums too. Certain tandem wheels for example can cost up to £400.

Accidents can and do happen, which could cause damage to your bike. Something as simple as riding over a pothole could potentially wreck wheels and frames - tandems are heavy, and there’s a lot of weight being put through the bike. Tandems are big too, and require good bike handling skills and manoeuvrability around the city streets and country lanes. It can be very easy to clip it against a street post, scrape it along a hedgerow or even knock into a car.

Even locking it up in your garage when you get home has the potential to cause damage given its size. If you do damage your bike, our standard tandem insurance will cover you for accidental damage, covering the cost of bike repairs or a replacement. It’s also important to remember that only one rider needs to insure the bike and it will be covered.


Damage to your kit

As well as investing in your tandem, your cycling clothing and accessories will no doubt also be worth a significant amount. Bike panniers for example, which a lot of tandem cyclists use, can cost a lot of money, as can bike lights, bottle cages and GPS computers. If you damage any of your cycling accessories following an accident, you can make a claim if you’ve taken out our cycle insurance accessories option.


Bike theft

With the majority of tandem bikes costing over a few thousand pounds, it’s no wonder why they are targeted so much by bike thieves. Coupled with the fact that many aren’t secured properly, they are also easy targets. It can be stressful having to always worry about your bike, or parts of it, being stolen. With our tandem insurance, 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.

House insurance warning

Your tandem is not necessarily covered by your home insurance. In fact, studies suggest around one in three of these policies don’t cover bikes away from the home. However, with Cycleplan you are protected at all times, including at home, at work or if you are out on the road.

Protection if you’re to blame

Riding a tandem comes with added responsibility and you do have a duty of care to the person you are riding with. The simplest of errors can cause a crash, harming not only yourself, but your cycling partner too. Knocking into another cyclist, pedestrian or car can cause many other issues. Receiving medical bills or the cost of repairs to another person’s property can be extremely stressful when there are two cyclists involved, especially if one person was at blame more than the other. Take this stress away with our tandem cycling insurance. Knowing you are covered for public liability, will put you at ease should you happen to accidently knock into another cyclist, or cause damage to a person’s property. Our tandem insurance will cover you for public liability up to £5m.


Cover all your bikes on one policy

Riding a tandem comes with added responsibility and you do have a duty of care to the person you are riding with. The simplest of errors can cause a crash, harming not only yourself, but your cycling partner too. Knocking into another cyclist, pedestrian or car can cause many other issues.

Receiving medical bills or the cost of repairs to another person’s property can be extremely stressful when there are two cyclists involved, especially if one person was to blame more than the other. Take this stress away with our tandem cycling insurance.

Our tandem insurance covers you for public liability up to £5 million, so you don’t need to panic if you accidentally collide with a fellow cyclist or cause unintentional damage to property.

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© Copyright Cycleplan 2017

Cycleplan® is a registered trademark and trading name of JRW Group Services Ltd which is Authorised and Regulated by the Financial Conduct Authority No.313411. Terms and conditions apply. Policy wording available on request or online.

*Monthly payments with 0% APR available on all policies with an annual premium of over £50