Cover for your bike and you when in the saddle...
... and sometimes when you've just come off it! If you are like most people when you hear about cycling and bicycle insurance you likely just think about theft or damage, but that's just where it starts! What happens if you are involved in an accident or cause an accident? What about all your accessories, tech, trailers etc? The Insurance Emporium's bicycle insurance can provide cover for all of this and more.
How do we make insurance simple?
Using our many years of experience as cycle insurers, we have created three standard policy levels, each with differing amounts of insurance cover which should satisfy cyclists of all degrees of experience; plus you can enhance your chosen level with our Optional Benefits.
What Standard Benefits are Included?
- Theft, Loss, or Accidental Damage
- New for Old for Life
- Unattended Vehicle
- Worldwide Cover
- Family Cover
- Replacement Hire
- Emergency Recovery (UK only)
- Bicycle Kit
- Public Liability
- Personal Accident
- Dental Treatment
What additional benefits can I add?
Whatever your cycling needs, our range of Optional Benefits have been designed to help you customise your cycle insurance policy so that it fits your circumstances as snugly as your Lycra cycling shorts!
You can tailor your bicycle insurance cover with the following Optional Benefits:
- Competitive Use
- Extended Public Liability
- Event Withdrawal
- Gadget and Mobile Phones
For further details simply read on or get a free no-strings quote and find out if you could be better off insuring your bicycle with The Insurance Emporium.
Award winning insurance!
Defaqto 5 Stars on selected products
Our Range of Cover
Check out our easy-to-read Table of Benefits below to see which level of cover will give you the protection you need.
- Theft, loss, or accidental damage i
- New for Old for Life i
- Unattended Vehicle i
- Worldwide Cover i
- Family Cover i
- Replacement Hire i
- Emergency Recovery (UK Only) i
- Bicycle Kit i
- Public Liability i
- Personal Accident i
- Dental Treatment i
- up to £50,000
- 65 days per trip
- up to 3 family members
- £375/week (up to 4 weeks)
- £250
- £2,000
- £1 million
- £20,000
- £1,000
- up to £50,000
- 80 days per trip
- up to 3 family members
- £450/week (up to 4 weeks)
- £375
- £3,500
- £2 million
- £35,000
- £1,250
- up to £50,000
- 90 days per trip
- up to 3 family members
- £500/week (up to 4 weeks)
- £500
- £5,000
- £3 million
- £50,000
- £1,500
- Competitive Use i
- Event Withdrawal i
- Extended Public Liability i
- Gadgets and Mobile Phones i
- up to £50,000
- £1,000
- £5 million
- £500
- up to £50,000
- £1,000
- £5 million
- £500
- up to £50,000
- £1,000
- £5 million
- £500
Loss, theft or accidental damage of your cycle.
Cost of replacing your cycle with new if stolen, lost or accidentally damaged.
Replacement with a same or similar bicycle if yours is stolen, lost, or accidentally damaged (no frame age limit).
Loss, theft or accidental damage to your cycle whilst in Europe.
Your bicycle is stolen, lost, or accidentally damaged whilst being used for named competitive purposes.
Any non-refundable event fee after withdrawal for your sudden, unexpected, and unforeseeable injury.
If your bicycle is stolen, lost, or accidentally damaged outside the UK, Channel Islands, Isle of Man or Europe.
Loss, theft or accidental damage of your cycle from an unattended vehicle.
Stolen, lost, or accidentally damaged attachments, clothing, technology, or trailer.
Hire of replacement cycle whilst yours is being repaired or replaced.
Reasonable cost of recovery and delivery if your cycle is disabled by loss or damage.
Cover above extended to family members.
Lost, stolen, or accidentally damaged or damaged by coming into contact with liquid.
Your legal liability to others for compensation and costs arising from your ownership or use of the bicycle.
Accidental bodily injury sustained whilst riding or pushing your bicycle and within 12 months is the sole cause of death, total and irrevocable loss of hearing, sight or limbs or total permanent disablement.
Injury to mouth and/or teeth whilst riding or pushing your bicycle.
Why Choose Us For Bicycle Insurance
Read The Not Small Print
We dislike jargon and we like to be upfront and clear with customers, but occasionally there are words that we need to use so we've put them in this helpful box of not small print!
Save up to 20% on new policies with our discounts. Discounts are available for use of an Approved Security Identification System (restricted to DataTag and Bike Register) and use of a Sold Secure Approved Diamond Lock.
This is based on a customer located outside of London and the Home Counties insuring a single bicycle for £100 with no Optional Benefits selected.
The customer has opted to pay the annual premium by Monthly instalments. The average premium our customers paid in 2023 was £7.41 per month, with an average £1,630 sum insured.
The premium can be paid in single annual payments or by 12 monthly instalments.
How do I redeem my promo code discount?
Enter the promo code at checkout or let our team know over the phone and the discount will be applied to the final premium.
Do I need bicycle insurance?
Your household insurance does not always cover your bicycles; therefore you may want specific bicycle insurance.
Can I insure more than one bicycle on my policy?
You are able to insure up to 6 bicycles on one policy.
How much can I insure my bicycle for?
The maximum sum insured is £10,000 per bicycle.
What happens if I have a custom made bicycle?
We would require a full breakdown of the make, model and value of the different components/parts (including the frame details). In the event of a claim we would require the original purchase receipts for these parts.
What type of lock do I need to have?
You are required to have a Sold Secure tested and approved lock, based on the value of the bicycle. Please take a look at our Bicycle Lock List.
What are the security requirements on your bicycle policy?
Full details are provided within our bicycle insurance Security Requirements within our policy wording.
Can I insure my bicycle if it is purchased through the "Cycle to Work Scheme?"
We do offer full cover for bicycles purchased under this scheme. In the event of a claim resulting in total loss, settlement will first be made to clear any outstanding balance owed to a third party.
Will you cover my bicycle trailer?
We cover bicycle trailers in use, at home and in an unattended vehicle for theft, accidental loss & accidental damage if our ‘Bicycle Accessories’ Optional Benefit is chosen.
Can I insure my electric bicycle?
Electrically Assisted Pedal Cycles (EAPC) are covered by our bicycle insurance but the output must not exceed 250w/15.5 mph.
What is 'New for Old for Life'?
If, during the working life of your bicycle, your bicycle is stolen, lost, or accidentally damaged, and you have insured the bicycle for the value of a new replacement, we will pay up to the new replacement value.
What is Public Liability?
Public liability is your legal liability to others for compensation and costs arising from your ownership or use of the bicycle. Please note, liability cover is restricted to the UK, Channel Islands, and Isle of Man only.
Enter the promo code at checkout or let our team know over the phone and the discount will be applied to the final premium. Promo code discount is available from the start of the policy until its first review/renewal date.
