Even the best, most experienced riders can experience a bit of bad luck from time to time. Whether it’s hitting a pothole on a leisurely ride, a pile up in the last kilometre of a race, an unfortunate accident with a car or pedestrian and even theft or vandalism of your pride and joy. So, it’s well worth considering investing in a specialist cycle insurance policy.
Cycle insurance can provide cover for most cycling eventualities including the following:
With specialist cycle insurance policy, you can rest assured that your bike is covered for theft and damage whether you are at home or out and about. With Protectmybike.co.uk you can also add additional covers such as Personal Accident, Public Liability, Overseas, Race and others to tailor the policy to meet you individual needs.
Cycle insurance can provide cover for most cycling eventualities including the following:
- Theft, accidental damage or vandalism to your bicycle(s)
- Cover for accidental bodily injury which causes death or permanent disablement
- Public liability if you cause an injury to someone else or damage to third party property
- Theft, accidental damage and vandalism to accessories
- Lost race fees if unable to complete due to illness or injury
- Replacement bike hire to keep you on the road
- Overseas cover if you are taking your bike abroad
- Cover for the insured and their close family members included as standard
- Cover for multiple bikes on one policy with substantial multi-bike discounts
Why do people choose bike insurance over home insurance?
There are many reasons why you should consider a specialist cycle insurance policy over you home insurance policy. Put simply, its likely that your home insurance policy will be inadequate and will not provide the level of specialist cover needed. Below are some of the key considerations when considering whether to insure your bike under your home insurance policy:- Home insurance will often have a single item value limit, which can be as low as £500
- You often have to pay extra to cover personal belongings away from home
- Many home insurance policies will not cover accidental damage away from home
- Home insurance will most likely exclude competing at events and competitions
- You may have a significantly higher excess on your home insurance policy
- Making a claim on home insurance will likely increase your premiums
- Home insurance providers may not have specialist cycle insurance claims handlers or access to a network of bike specialists
With specialist cycle insurance policy, you can rest assured that your bike is covered for theft and damage whether you are at home or out and about. With Protectmybike.co.uk you can also add additional covers such as Personal Accident, Public Liability, Overseas, Race and others to tailor the policy to meet you individual needs.
