Commuter bike insurance

Why do I need commuter bike insurance?

As a commuter, you probably ride your bike more than the average cyclist. The more frequently you ride, the more likely you are to have an unfortunate accident.

According to RoSPA (Royal Society for the Prevention of Accidents), the most dangerous hours for cyclists are 8am to 9am and 3pm to 6pm – prime hours for commuters. What’s more, around 75% of fatal or serious cycling accidents occur in urban areas.

These stats prove that, you just never know what could happen when you’re cycling in a congested environment. That’s why it’s essential that commuters, particularly those in urban areas, take out our commuter bike insurance.

Whether you require equipment cover in case your bike is lost, stolen or damaged, or Personal Accident in case you injure yourself on your way to work, our insurance is designed to protect you.

Is my commuter bike not covered by my home insurance policy?

It’s a common misconception that your bike will be covered by your home contents insurance. However, this is often not the case, particularly when you’re out and about.

Research shows that one in three household insurance policies don’t cover bikes away from home. Therefore, if your bike is locked outside your workplace and is stolen, or it gets damaged on your journey, you’re taking a massive risk by assuming your home insurance will cover it.

Even if you’ve added your commuter bike to your existing home insurance policy at an extra cost, this will most likely only cover your bike whilst it’s in your house or a secure outbuilding.

With our specialist commuter bike insurance, your bike is protected on your commute, while you’re at work and at home.

We offer a range of cover options - build your own bespoke policy tailored to your needs.

Theft and Accidental Damage up to £30,000

As a commuter, you’re probably all too aware of the dangers when riding at rush hour.

Streets are heavily congested, and road users can be stressed as they make their way to and from work. This makes collisions more frequent and if you collide with a car, your bike is clearly more likely to get damaged.

In addition, if you lock your bike outside a train station, or to a secure object, there’s still a risk of it being stolen. 

Thankfully, our commuter bike insurance will cover you for the cost of repairs or replacement if your bike gets lost, damaged or stolen. We’ll also replace your bike ‘New for Old’ if it’s less than three years old and was bought new.

Ultimately, if your bike is your only mode of transport to and from work, it’s essential that it’s fixed or replaced as soon as possible.  Avoid adding unwanted stress to your working day and get peace of mind with our bicycle insurance.

Up to £5m Public Liability cover

Whether you’re riding to work through the city, winding through country lanes or taking the quiet one-way road home, you will encounter other cyclists, car drivers and road users.

If you were to accidentally injure another person or damage someone’s property on your journey, Public Liability will help cover any costs you may be legally obliged to pay.

Personal Accident

Your health and safety are a priority, but despite taking the proper precautions, accidents can still happen – in fact, 19,000 UK cyclists are either killed or seriously injured each year.

However, with our Personal Accident protection, if on the off-chance you become one of these unfortunate cyclists, you can be covered.

We provide financial compensation for physiotherapy, dental treatment, permanent disability and death. This way, you’re covered for even the worst of accidents.

Accessories cover

If you’re travelling to and from work in the UK, it’s safe to say you’re probably riding in pretty unpleasant weather! Therefore, you’ll no doubt own some important cycling accessories to help you brave the elements.

On top of this, cameras such as Go Pros are becoming increasingly popular for cyclists on busy roads (a good idea we think!), but they don’t come cheap.

That’s why you need to protect your cycling accessories by taking out our accessories cover. This enables you to get your accessories repaired or replaced as soon as possible and get back out on the road. However, both your bike and its accessories must have been lost, stolen or damaged in order for you to make a successful claim.

Cover all your bikes on one policy

If you also own a mountain bike or maybe even a hybrid, we’ve made it easy for you to insure them all on one policy, with no extra fuss.

Why choose us?

Our city bike insurance is provided by Cycleplan, part of Ripe. You can build a policy which is tailored to you so you’ll never pay for more cover than you need.

And thanks to our Lowest Price Guarantee, if you take out a policy and within 14 days happen to find the same levels of cover elsewhere for less, we’ll refund the difference.

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