Specialist folding bike insurance

Why do I need specialist folding bike insurance?

Folding bikes are ideal for commuters because they’re both light and compact. As such, they can be easily carried around the city or stored in the boot of your car. However, they are also prime targets for thieves.

With folding bikes costing upwards of a grand, it goes without saying that folding bike insurance is vital if your bike is lost, stolen or damaged. By having this protection, you aren’t left severely out of pocket if the worst was to happen.

Whether you require theft and accidental damage cover in case something happens to your bike, or Public Liability in case you injure someone or damage third-party property, our folding bike insurance can protect your prized possession at every stage of your journeys.

It’s unlikely your folding bike is covered by your home insurance policy

Don’t rely on your home contents insurance to cover your folding bike. Your folding bike is unlikely to be covered on your home insurance policy, especially when you’re out and about. In fact, one in three household policies do not cover bikes away from the home, according to research by comparison site GoCompare.

What’s more, you may have to contact your home insurer to add your folding bike to your policy at an extra cost. With our simple, specialist folding bike insurance, your bike is covered both home and away.

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

Theft and Accidental Damage up to £30,000

Folding bikes are specialist pieces of kit and if anything happens to them, this could end up putting you out of pocket. Repairing or replacing stolen or damaged parts can not only be a hassle, but also costly. Groupsets, for instance, cost anywhere between £300 and £500. As they’re light, compact and easy to move, they make for a quick and easy getaway for thieves – which is why you need the right insurance.

If you damage your bike or it’s stolen, our folding bike insurance will cover you for the cost of bike repairs or a replacement. We’ll replace your bike ‘New for Old’ as standard on bikes which are up to 3 years old and were bought new. This way, you’ll be back to your daily routine in no time.

Up to £5m Public Liability cover

When getting around congested towns and cities on your trusty folding bike, accidents can happen from time to time. From injuring another cyclist, colliding with a pedestrian or damaging a car – it pays to be protected.

Our Public Liability will help cover any costs you may be legally obliged to pay out if you injure another road user, pedestrian or property when out riding. If the worst happens, costs can rapidly escalate, making Public Liability cover essential.

Personal Accident

While our folding bike insurance won’t reduce the risk of injury, it can put your mind at rest. If you are involved in a collision or fall off your bike and injure yourself, it’s vital you are suitably compensated.

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

Accessories cover

As you’ll know, cycling in the UK can sometimes be quite unpleasant, especially when it’s cold, wet and windy! That’s why cycling enthusiasts often have all the protective gear they can get their hands on, whether it be clothing, lights or a Go Pro. This gear is essential, so imagine how devastating it would be if it were lost, stolen or damaged?

With our accessories cover, you can make a claim if your cycling accessories are lost, stolen or damaged. This cover makes sure they are repaired or replaced so you aren’t left out of pocket. 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

The chances are, if you own a folding bike, you probably own another bike too. If you have more than one bike, we’ve made it easy for you to insure them all on one policy.

Why choose us?

Our folding bike insurance is provided by Cycleplan, part of Ripe. You can build your own policy tailored to you, so you’ll never pay for more cover than you need.  We’re confident you won’t find another policy that closely matches your needs for a lower price. That’s why we have a 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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