Bicycle insurance


At Compare For Cancer, getting a wide range of insurance quotes is quick and easy. With just a few details about you and your bike, we can help you find the best policy for you and help you save on bicycle insurance.

Find A Better Quote

You could find a better quote and help to raise vital funds towards finding a cure for cancer.


Yellow Jersey


Nova Direct





Ripe Cycleplan

What is bicycle insurance?

Whether you use your bike to commute to work, take on the trails on a mountain bike or simply use it to stay fit, you most likely do not need to be informed on the benefits of your bike. Bicycle insurance is a great way to protect yourself and your bike.

Bikes can cost thousands of pounds to replace if they are damaged or stoled, however with bicycle insurance you could be covered for these expenses. With different insurance policies available you can tailor your insurance to meet your needs.

What are the main types of cycle insurance?

Whilst add-ons are available a standard bicycle insurance will cover you for three main things.

  • Theft
  • Accidental damage
  • Malicious damage

What extras can I receive?

Like all insurance policies, bicycle insurance enables you to tailor your policy to meet your needs, including:

Personal accident – if you suffer a serious injury or death is sustained from riding your bicycle.

Third party liability – This provides cover for if you injure another person or damage any of their belongings, this can include their car or bike.

Accessories – This will ensure that your policy covers you for any equipment loss or damage, including helmets, GPS, lights, and clothing.

Cycling abroad – This offers protections for cycling on roads in countries outside of the UK.

Competition use – Some policies will offer cover for partaction in time trials, road races, and triathlons.

How much is bicycle insurance?

The actual price of your bicycle insurance will be determined based on your circumstances which takes into consideration the kind of bike you ride and its value.

Mountain bikes, pushbikes, folding bikes, road bikes, electric bikes, and hybrid bikes are all usually covered within bicycle insurance policies. If you have a self-built customer bicycle then you can get insurance for your bike’s unique specification.

If you are required to make a claim it will reflect the true value of the bike so ensure to inform your insurer of any modifications before you purchase a policy.

Bicycles do often come as standard with most home content insurance policies however it is important to check that it is cover you need.

Most home insurance policies only offer bicycle cover for accidental damage and theft if it happens inside the premises of your home. This means you will not receive protection if damages to your bike occur away from home.

How to save money on bicycle insurance

There are some things that can be done to help rescue the overall cost if your specialist bike insurance policy:

Shop around – by comparing different policy options you can be sure to find the best one for you.

Secure your bike – unfortunately there are no discounts available for special locks however some insurance providers will allow for claims to not be paid if the bicycle is stolen from a vehicle or left unattended away from the insured location. Therefore, secure your bike with a sturdy lock and if possible in a garage or secure shed.

Increase the excess – by increasing the excess you can reduce the price of your premium, however remember you will need to pay this if something happens so ensure you set this to a reasonable amount.

How to keep your bicycle secure

Register your bike
Registering your bicycle on The National Cycle Database can prove the bike is yours if it is stolen and later found.

Secure to an immovable object when left unattended
This can include a secure bike stand or a lamppost.

Leave bike in an open area
Thieves are less likely to try to steal your bike if it is somewhere out in the open with plenty of people around.

Learn the best way to secure your bike
Ensure to secure both the frame and the wheels when securing your bike to a post or bicycle stand, some thieves may steal just the frame and leave the wheels behind if not all secured correctly.

Why compare bicycle insurance here ?

Not only is this comparison service quick and easy but all of our profits will be donated to cancer charities across the UK. 

You could save money on your bicycle insurance whilst helping to make a difference!

You could pay less than £42 for bicycles valued up to £1500*

*51% of customers with a bicycle valued up to £1500 who obtained a quote for Bicycle Insurance through this service provided by Seopa Ltd between October and December 2022 were quoted less than £41.15. Using the same calculation for bicycles valued between £1500 and £3000 gave a figure of £80.27 and for bicycles valued over £3000 gave a figure of £147.57. The quote price you could achieve is dependent on your individual circumstances.