Find the right
insurance for you
Whether you cycle for pleasure, to commute to work, to stay fit or to compete in events, you should consider taking out a specialist bicycle insurance policy.
Top Rated Providers
Our comparison table is ordered by review score. The review score is the average weighted score based on product quality and user reviews from the last 12 months. Find out more about how our review score is calculated.
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1st
Review Score9.8/10Based on 2,883 reviews
Personal Accident Cover***£50kRead morePublic Liability Cover****£2m -
2nd
Review Score9.4/10
Based on 18,010 reviews
Personal Accident Cover***£25kRead morePublic Liability Cover****N/A -
3rd
Review Score9.4/10
Based on 1,440 reviews
Personal Accident Cover***£50kRead morePublic Liability Cover****£1m -
4th
Review Score9.2/10
Based on 279 reviews
Personal Accident Cover***£20kRead morePublic Liability Cover****£2m -
5th
Review Score9.2/10
Based on 3,646 reviews
Personal Accident Cover***£50kRead morePublic Liability Cover****£5m -
6th
Review Score9.0/10
Based on 374 reviews
Personal Accident Cover***£10kRead morePublic Liability Cover****£2m -
7th
Review Score8.9/10
Based on 242 reviews
Personal Accident Cover***£25kRead morePublic Liability Cover****£2m -
8th
Review Score8.8/10
Based on 647 reviews
Personal Accident Cover***£25kRead morePublic Liability Cover****£5m -
9th
Review Score8.6/10
Based on 11,162 reviews
Personal Accident Cover***£25kRead morePublic Liability Cover****£5m -
10th
Review Score8.5/10
Based on 13,366 reviews
Personal Accident Cover***£45kRead morePublic Liability Cover****£4.5m -
11th
Review Score8.2/10
Based on 1,557 reviews
Personal Accident Cover***£25kRead morePublic Liability Cover****N/A -
12th
Review Score8.1/10
Based on 179 reviews
Personal Accident Cover***£10kRead morePublic Liability Cover****£2m -
13th
Review Score7.8/10
Based on 4,954 reviews
Personal Accident Cover***£25kRead morePublic Liability Cover****N/A
***This is the maximum amount of personal accident cover this provider offers. ****This is the maximum amount of public liability cover this provider offers.
All bicycle insurance quotes are provided via Quotezone, who are FCA regulated.
Please note that some of the providers included within our table are not currently offering new policies.
In this Guide
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Is bicycle insurance worth getting?
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Is it a legal requirement?
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What does bicycle insurance cover?
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Bicycle and cyclist insurance
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What's not covered?
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What is the cost of bicycle insurance?
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How much do different bicycle insurance policies cost?
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Compare bicycle insurance
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Can I save money on bicycle insurance?
Is bicycle insurance worth getting?
Whether you cycle for pleasure, to commute to work, to stay fit or to compete in events, you should consider taking out a specialist bicycle insurance policy. Not only do bicycle insurance policies protect you against accidents that can happen while you’re riding but they also protect you from theft. Bicycle theft is rife in the UK, according to crime data, over 376,000 bicycles are stolen every year, which equates to one every 90 seconds.
If you rely on your bicycle to commute, you’d either need to replace your bike or find an alternative way of getting to work each day which could end up being very expensive. But if you have a bicycle insurance policy in place, you’d be able to get back up and riding as quickly as possible and most insurers will even provide you with a hire bike while yours is being repaired or replaced. At Compare By Review, we take pride in offering cheap bicycle insurance quotes from providers with the highest quality cycle insurance reviews. So you can have peace of mind that your bicycle insurance will meet your expectations.
Is it a legal requirement?
No. Unlike car insurance, cycle insurance is not a legal requirement in the UK.
However, the more expensive your bike is, the more it makes sense to protect your investment with cycle insurance so that you are covered should the worst happen.
No matter what policy level you require, when you compare bicycle insurance with Compare By Review, you will have hundreds of options to choose from to suit your needs.
But my bike is already insured under my home insurance policy…
You might think that you have substantial cover because your bicycle is included on your home insurance policy, however, the cover is often limited. If your bicycle is insured under your home insurance policy, it’s likely that you’ll only be covered for theft and accidental damage, so you need to consider whether this is enough cover for you. There are two ways your bicycle could be covered under your home insurance policy:
Contents insurance – some home insurance providers consider bikes to be contents so they will cover them if they’re damaged, destroyed or stolen whilst in your home. However, in the event of making a claim, there are often certain criteria that you need to meet for your claim to be paid out. For example, your bike must have been secured to an immovable object if it was stolen from your home.
Personal possessions taken out of the home – some insurers will cover your bike when it isn’t at home, provided you have personal possessions cover added to your home insurance policy. Again, there may be certain criteria you need to meet in order to get a payout in the event of your bike being stolen or damaged.
If your bike is at home the majority of the time and you only ride it occasionally, this level of cover might be adequate. But if you have an expensive bike that you ride more regularly, you should consider a specialist cycle insurance policy that provides you with a much higher level of cover.
What does bicycle insurance cover?
Most insurers will give you the option of taking out bicycle only insurance, cyclist only insurance or bicycle and cyclist insurance combined.
What is Bicycle only insurance?
Typically, bicycle only policies provide cover for:
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Theft: Pays out a lump sum if you were to lose a limb, lose your sight, lose your hearing, become paralysed or die while riding your bike.
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Third party liability: Covers the cost of any claims made against you following an incident that you caused while riding your bike, for example, colliding with a pedestrian.
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Legal expenses: If you have an accident on your bike but you weren’t at fault, this covers any costs that you incur for taking a third party to court.
What is Cyclist only insurance?
If you want to protect yourself whilst you’re cycling, cyclist insurance policies can cover you for:
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Personal accident: Covers the cost to replace your bike up to a certain limit if it’s stolen. Most insurers also give you the choice to include cover for your cycling clothing and accessories too.
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Malicious or accidental damage: Covers the cost to repair or replace your bike if it’s damaged or vandalised.
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Replacement bike hire: Provides cover for the cost of hiring a replacement bike if yours is being replaced or repaired in the result of a successful claim.
Bicycle and cyclist insurance
This covers all of the above on one comprehensive policy. Most insurers also give you the option of adding extras to your policy, including:
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European or worldwide travel: Your bicycle insurance policy will be valid when you’re abroad.
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Competition cover: Covers you if you’re competing in cycling competitions.
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Clothing and accessories cover: Provides cover if your cycling clothing or accessories are stolen or damaged.
What's not covered?
Whether you get premium or cheap bicycle insurance, it is always important to look out for any exclusions within your policy agreement. This will avoid your claim being rejected and save you any additional costs further down the line. Usually depending on which provider you choose, the exclusions will vary with your bicycle insurance policy. To find your bicycle insurance exclusions, check your policy documents to understand what is and isn’t included in your cover. Also when you compare bicycle insurance options, be sure to look out for the policy features.
Common exclusions include:
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Accidents that occur while you are under the influence of alcohol or drugs.
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Using your bike for courier services.
- Loss or damage where you cannot provide proof of ownership.
- Damage to accessories where the bike isn’t damaged at the same time.
- Cosmetic damages like scratches or dents that do not stop the bike from working.
- Theft claims where you haven’t secured your bike correctly.
What is the cost of bicycle insurance?
The cost of bicycle insurance will vary depending on various factors including:
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The value of your bike – The more expensive the bike, the higher the premium will be.
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How you use your bike – If you compete in events, you’ll need extra cover at an additional cost.
- How much cover you need – Your premium will cost more if you take out a more comprehensive policy.
- How many bikes you want to insure – Although you will normally get a discount for insuring multiple bikes.
How much do different bicycle insurance policies cost?
To give you an idea of the cost of cycle insurance, we got quotes from 13 providers based on a £1000 road bike. For bicycle only cover, the average cost was £71.89 per year. For a more comprehensive policy that covers both the bike and the cyclist, the average cost was £117.17 per year. Bear in mind that most insurers offer a fully customisable policy so you can alter what’s covered to suit your individual needs.
Compare bicycle insurance
When you compare bicycle insurance, make sure you aren’t just focusing on how much the policy will cost. Whilst this is important, it shouldn’t be the defining factor, there’s so much more to consider when taking out an insurance policy. We’ve put together the below table to give you a detailed comparison of what the top 12 bicycle insurers offer.
View table
Can I save money on bicycle insurance?
If you’d like to invest in a cheaper bicycle insurance solution, there are plenty of ways to bring the cost of your policy down when choosing your cover. Firstly, it is always good to check if your existing contents or home and contents policy already includes bicycle protection. You will be able to find this out inside your policy documents. If you are covered already, this could save you unnecessary costs.
It is also key to ensure you only choose the policy features you need as this will help to reduce the price of your bicycle insurance. When getting your bicycle insurance quote, usually the provider will allow you to add optional extras to your cover, such as personal accidents and collisions, replacement bike hire, third party liability, commuting and many more. By choosing the basic policy level, the fee will usually be significantly lower.