Bike, Cycle & Bicycle Insurance In UK

30% off

introductory discount

Award-winning cycle insurance

what's covered?

A better way to insure your bike

Our comprehensive cycle insurance provides cover for you and your bike with a wide range of features and benefits*

accidental damage

Accidents happen... even to the best of us! With Protectmybike cycle insurance, you’re covered for repair or replacement in the event your bike is damaged in an accident.
theft

Over 77,000 bikes are stolen every year in the UK! In the event of a valid theft claim we will replace your bike with an equivalent one up to the sum insured or offer a cash/voucher settlement.
personal accident

Optional personal accident cover up to £20,000 in the event you suffer death or disability when out riding your bike.
public liability

Optional public liability to protect you and your family members against liability claims arising from accidental injury or death to members of the public or damage to third party property.
flexibility

We don’t like to fit people inside boxes, which is why we give you complete control over the level of cover you require. So you can tailor a policy that meets your exact needs quickly and easily.
new for old

In the event of total loss or theft of your bike we will offer you a new bike that matches the original specification of your existing bike up to the value of the sum insured.
overseas cover

Planning a cycling holiday abroad? You can purchase optional overseas cover for Worldwide protection up to a maximum of 60 days per trip.
multi-bike

Want to cover more than one bike? Get 25% discount on your total bike premium when covering multiple bikes.
cycle experts

As cycling enthusiasts, we know a thing or two about bikes! If you make a claim, our expert team will support you throughout the process and will get you back in the saddle in no time!
payments

We believe in giving you complete control and so you have the option to pay annually or monthly for your policy with no horrible or nasty fees, APR or credit agreements.

* Subject to the terms and conditions of the policy

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Policy Document

IPID

How we compare

Compare our prices with other cycle insurers

	Monthly	Annual
	£5.13	£61.60
Laka (Core)	£10.27	£123.24
Pedalsure	£9.62	£115.40
Cycleguard	£12.73	£152.73
Yellow Jersey (Essential)	£16.79	£164.68
Sundays	£8.08	£96.96

Pricing based on bicycle value of £2,000 with £250 of accessories cover based in SS9. This is not intended to be a like for like cover comparison and each policy may differ in terms of what is and is not included under the terms of the policy * All pricing correct as of 02/12/24 and taken from various provider websites * Yellow Jersey monthly pricing requires premium finance loan representative APR 30.4%. Laka pricing based on the maximum price payable each month (usual expected payment £8.59 pcm)

What we cover

Whatever type of cycling you enjoy we have an insurance policy to meet your needs. You can cover multiple bikes on one policy with a 25% multi-bike discount.

road

Classic road racing bike for going fast on the road

mountain

Rugged, go anywhere bike for off road adventures

folding

Ultimate bike for rail and city commuters

e-bike

Electric assisted version of the classic pedal bike

BMX

The master of tricks and catching big air in the park

commuter

The comfortable and dependable urban commuter

Frequently asked questions

What bike lock do I need?
You must use a Sold Secure Gold rated lock or higher. A Sold Secure approved lock provides a better level of security. The higher the lock rating, the more effective it is at preventing theft.

Gold All Bikes

All approved Sold Secure locks should come with the Sold Secure sticker or logo on them. You can also check the Sold Secure approved lock list online to make sure you have the correct lock.

Your bike must be locked through the frame and any quick release wheels and to a fixed, immovable object that the bicycle cannot be lifted under or over.
What value should I insure my cycle for?
This must be based on one of the following criteria: (all values should be in UK currency and include VAT if applicable):

a)

new or second-hand bicycle(s) should be insured at the price you paid, including the sum of any parts or upgrades which you purchased and which form part of your bicycle;

b)

for discounted bicycle(s) parts and accessories, the original undiscounted RRP at the purchase date. This discount must be visible on the purchase receipt or invoice. If you have added any upgraded parts to the bicycle, you should add that to the total price paid;

c)

for gifted new and second-hand bicycle(s), parts and accessories - the amount paid at the time of original purchase, keeping evidence of the original purchase receipt and the gifting. Any new parts or upgrades should be added to the total value;

d)

for custom builds the price you paid for the sum of all the parts, including reasonable labour costs;

e)

for vintage or antique bicycles, the sum shown in any valuation you provide to us, provided that such valuation is less than three years old and has been provided by a vintage cycle retailer or other suitably qualified valuation expert.

(Please see 'How should I value my bicycle?' on page 27 of the Policy Document for further guidance on how to value your bike)
Do you cover more than one bike on a policy?
Yes, the Protectmybike insurance policy covers more than one bike on a single policy. However, it is important to note that the maximum insured value in total for all bikes on a single policy cannot exceed £20,000.

A maximum of 5 bicycles can be insured on one policy.
What is classed as an accessory?
An accessory is defined as bicycle-related equipment that is not essential to the operation of the bicycle but is owned by you and used in conjunction with the bicycle listed on the schedule. Examples of accessories include: Helmets, Shoes, Jerseys or Vests, Base Layers, Gilets, Glasses and Goggles, Jackets, Shorts, Trousers, Wetsuits, Backpacks, Helmet-mounted cycling cameras, Cycling computers, Cycling GPS units, Lights, Spare Wheels, Cycle luggage, Cycling tools, Cycling Armour Guards and Locks. You may only claim for accessories if they are stolen, vandalized or damaged at the same time as the bicycle.
What evidence of ownership is required?
This can include items such the original purchase receipt, invoice or other evidence which clearly demonstrates ownership. This may include, but is not limited to, bank and credit card statements, dealer valuation, etc. The evidence should clearly show date, price paid and details of the cycle, accessories and approved lock.