As cycling continues to rise in popularity, it’s important for bike owners to consider protecting their valuable two-wheeled companions. Bike insurance provides peace of mind and financial security in case of theft, accidental damage, or other unfortunate events. Here we’ll discuss key considerations when insuring your bike, debunk common misconceptions, and provide guidance on claiming insurance. Whether you’re a casual cyclist or a dedicated rider, understanding bike insurance can help you make informed decisions on whether you need bike insurance to protect your investment.

Insuring your bicycle: What you need to know | Pauls Cycles

What to Consider When Choosing Your Cycling Insurance

When it comes to insuring your bike, there are a few key points to consider to ensure you have secure bike cover and don’t get caught short when it comes to making a claim on your policy.

What does Bicycle Insurance Cover?

Bike insurance policies can vary, so it’s important to understand what your bicycle insurance covers. Some may focus solely on theft and malicious damage, while others include coverage for accidental damage such as collisions, falls, damage during transportation, personal injury, and may even include replacement cycle hire. Assess your needs and choose a policy that aligns with your requirements and budget. Some companies offer multiple bike insurance policies, which is perfect for those with something of a bike collection. These policies provide coverage for multiple bikes under a single plan, simplifying the insurance process while offering convenience and potential cost savings.

Policy Exclusions and Conditions

Carefully review the exclusions and conditions before finalising your insurance policy. Certain policies may have restrictions based on the type of bike, its value, or how it is secured. For instance, some policies require specific types of locks to be eligible for the maximum amount of coverage. Familiarise yourself with these details to ensure you meet the necessary criteria.

Bicycle Insurance Coverage Abroad

If you enjoy mountain biking adventures abroad or hitting the gravel/tarmac in lands overseas, check whether your insurance covers your bike outside your home country. Some policies offer international coverage, protecting your bike even when you’re exploring new trails in foreign lands. Confirm the geographical limits of your policy to avoid any surprises.

Bicycle Insurance Coverage Abroad. Does my insurance policy still cover me if I take my bike overseas? | Pauls Cycles

How much is Bicycle Insurance?

The cost of bicycle insurance can vary depending on factors such as the value of your bike, your location, and the level of coverage you choose. It’s worth comparing quotes from different insurance providers to find a policy that offers the right balance between coverage and affordability. Remember, the cheapest option may not always provide the most comprehensive coverage however, the cost of insurance premium is likely to be more cost-effective than not having coverage at all. Our Partners at Sundays Insurance offer premiums from as little as £43, with excess variable between £50 to £200. See how Sundays Insurance compares.

Making a Bicycle Insurance Claim

Knowing how to claim your bike insurance is crucial in case you need to file a claim. Here are some general steps to follow:

  • Contact your insurance provider as soon as possible after the incident. Most insurers have a specific time frame within which claims should be reported.
  • Provide all the necessary information and documentation, such as police reports, photographs, receipts and your bike serial number.
  • Cooperate fully with the claims process, including any investigations or assessments required by the insurance company.
  • Keep track of all communication and documentation related to your claim, including claim numbers and contact details.
  • Each insurance provider may have specific procedures and requirements for their claims process such as digital-only service. Familiarise yourself with your policy’s terms and conditions to ensure a smooth and efficient claims process.

What to Do If You Don’t Have Bicycle Insurance

While bike insurance is not a legal requirement, it is highly recommended to protect yourself and your bike. However, if you currently don’t have insurance, there are still steps you can take to safeguard your cycling investment:

  1. Secure Your Bike: Invest in a high-quality lock and make sure to use it properly. Securing your bike to immovable objects in well-lit areas can deter thieves. Read our top tips for preventing bike theft.
  1. Register Your Bike: Consider registering your bike with a national database such as Bike Register, the UK’s only police-approved cycle database. This can help increase the chances of recovering your bike if it’s stolen and may also serve as proof of ownership in case of a claim with your insurance provider.
  1. Home Insurance Considerations: Are bikes covered by your home insurance? While some home insurance policies may offer limited coverage for bicycles under contents insurance, it’s essential to review the terms and conditions carefully. Many home insurance policies have strict limits and exclusions for bikes, especially high-value or specialised models. Don’t assume that your bike is adequately covered under your home insurance policy without confirming the details with your insurance provider.
  1. Explore Cycling Organisations and Memberships: Some cycling organisations or clubs offer insurance options as part of their membership benefits. These policies may provide coverage during organised rides, races, or events. If you are a member of a cycling community, it’s worth exploring these options to complement your existing coverage or as a temporary solution while you search for standalone bike insurance. 

30 Days Free Insurance with Pauls Cycles X Sundays Insurance

At Pauls Cycles, we are committed to helping cyclists protect themselves and their bikes. That’s why we have partnered with Sundays Insurance to offer 30 days of free insurance when you purchase a new bike from us. Sundays Insurance covers theft, accidental/malicious damage, and even provides replacement cycle hire. Activate your free insurance period at the end of the checkout process after completing your order. Read more information about Sundays Insurance.

Enjoy your cycling adventures with the confidence of knowing you have the right insurance coverage for your bike. Stay safe, protect your investment, and keep pedalling!

Disclaimer: The information provided in this article is for informational purposes only and does not constitute legal or insurance advice. Insurance policies and coverage may vary. Please consult with your insurance provider for specific details and guidance regarding your bike insurance.


Adam Cross is the Customer Care Manager at Pauls Cycles and specialises in all things related to cycling lifestyle, gravel/off-road riding & road cycling. In his role, he leads advice and support for cyclists of all levels, being well versed in the sport of cycling. Riding and racing bicycles for 15 years, Adam has competed in everything from short distance time trials to ultra distance gravel and 24 hour mountain bike races. When not at work, Adam will most likely be found on the sandy tracks and trails of Thetford Forest - Follow Adam on Instagram @ay_sea_