Specialist road bike insurance

Why do I need specialist road bike insurance?

Road cycling is the most common form of cycling, and it gives people of all ages an unparalleled sense of freedom. With 21,745 bikes reported stolen in London in 2017, more than 100 cyclists killed and over 3,000 seriously injured on British roads every year, specialist road bike insurance has never been more important.

Whether you’re just starting out or you’re giving Chris Froome a run for his money, we know your road bike means a lot to you. That’s why we offer a range of essential cover options for road cyclists – whether you require theft and accidental damage cover to protect your bike, or Personal Accident in case you get injured. With us, you can enjoy your ride, safe in the knowledge that you and your two-wheeled companion are protected.

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

It’s easy to assume your road bike is covered by your home contents insurance – however, this likely isn’t the case. In fact, one in three household insurance policies don’t cover bikes away from home. This means that if, for instance, you’ve stopped for a coffee, locked your bike and it’s been stolen, you wouldn’t be covered by your home insurance policy.

Even if you’ve added your road bike to your existing policy at an extra cost, the likelihood is it’s only insured whilst in your house or a secure outbuilding (which we know is far from ideal). Thankfully, though, with specialist road bike insurance, you can ride your bike with confidence that it’s adequately protected whether you’re at home or outside.

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

Theft and accidental damage up to £30,000

The expensive price tags of most road bikes make them vulnerable to theft. On top of this, collisions between cyclists and vehicles in the UK are all too common.

If you’re unfortunate enough to suffer such fates, our road bike insurance will cover you for the cost of repairs if your bike gets damaged or to replace it if it’s stolen. We’ll replace your bike ‘New for Old’ as standard if your bike is less than 3 years old and was bought new.

Up to £5m Public Liability cover

If you accidentally injure someone or damage property when out riding, this will help cover any costs you may be legally obliged to pay if a compensation claim is made against you.

Although pedestrians are most commonly hit by motorised vehicles, cyclist-pedestrian collisions are still rife – 531 people were involved in collisions with cyclists in 2017, according to the Department for Transport. Therefore, why take the risk? If you’re unlucky enough to have an accident, Public Liability would protect you from any potential legal bills you’re landed with.

Personal Accident

If you have an accident or fall off your bike and seriously injure yourself, our Personal Accident protection will make sure you get the treatment you deserve. We provide financial compensation if you break a bone, are hospitalised, require physiotherapy or need emergency dental work. It also covers you for permanent disability or death.

Accessories Cover

The costs of your cycling accessories soon adds up. Wet-weather clothing, mudguards, lights and Go Pro cameras don’t come cheap, and therefore need suitable protection.

By taking out our road bike accessories insurance, if you had an accident, you can make a claim for accidental damage to your clothing, lights or other equipment and get them repaired or replaced as soon as possible. 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 like to mountain bike or you use a hybrid to get to work, we’ve made things easy for you. If you own more than one bike, you can insure them all on one policy with our hassle-free insurance.

Our road bike insurance is provided by Cycleplan, part of Ripe. You can build your own policy tailored to you and enjoy your cycling with the knowledge you are protected. Plus, you can be sure you’ve got the best cover for the best price thanks to our Lowest Price Guarantee, where 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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