Without it, you could be held personally responsible if someone chooses to sue you for injury or damage. Insurance for Cyclists. Cycling Electric … Good for: all-rounders, taking a bike abroad. Bought By Many’s resident roadie found this out after his recent crash and looked into how insurance would have helped. Be sure to always read the small print because there are conditions you have to meet to make a claim, for example, CycleGuard says the bicycle has to be "secured through the frame using an approved lock, to the roof or bike rack or if the vehicle is suitable, stored out of sight". Another security issue to consider is theft from your car or a vehicle. We've reviewed cover levels to find the UK's best bicycle insurance companies. CycleGuard makes a point of not charging more if you live in a city, which could be beneficial for many commuters. Some cyclists feel their home insurance provides enough cover for their bike – it includes public liability cover outside your home and may meet the costs of replacing a bike. Its max cover for a single bike is £15,000 and the limit for total bikes is £50,000. Many events will require you to have some form of cover before you enter. If you don't know your username, enter the email address with which your account is registered and we will send you a reminder. Although the biggest fear for many cyclists is being injured by a vehicle. What you need to know about triathlon insurance. Cycling UK members are automatically covered up to £10 million by this policy, including using cycles for business use (although it does not cover those specifically employed as a cyclist, for example as a courier). [3] If you're one of those unlucky enough to find your bike damaged in a collision or stolen, bicycle insurance could prevent you having to cover the cost of repairs or replacement yourself. £2m Public liability On the commute, club run or sportive, if you’re at fault when out riding and things go wrong, Bikmo is here for you up to the value of £2 million + defence costs too. Click here for a full list of events included. We have found a match between your Facebook account and British Cycling. Making a claim on home insurance is likely to increase your premium. It offers cover for travel, events, accessories and has a big multi-bike discount. advertising space so a particular insurer may be highlighted in the article and, You can invalidate your cover by using the wrongs locks or storing a bike incorrectly. This insurance cover would give you protection in case you injure someone, or damage property, while riding your electric bike. All of the above cycling policies also offer public liability to cover any legal costs or payouts if you’re at fault in an accident. Learn more about the best cycling insurance companies and find out what their customers think by reading our expert reviews. It covers bikes worth up to £20,000 and is underwritten by Hiscox, an insurer behind many specialist UK policies. Find out about some of the best winter destinations for cyclists and cover for triathlons at home and abroad. Multi-insurer Assetsure covers precious items across the board, including jewellery, cameras, antiques and stamps, but also bicycles. Or click on the name of the insurer in the table to get a quote. Whether you are a commuter or a seasoned triathlete, there’s no need for specialist mountain bike insurance, eBike insurance, or road bike insurance – our straightforward policy covers it all. Other providers with worldwide policies include Cycleplan, CycleGuard and PedalSure, which says it offers a true worldwide policy without any restrictions. Here they are: In 2017 in the UK our collective mileage was up 25% over the last 15 years to over 5 billion kilometres cycled in 2013 and two million people across Britain cycle at least once a week. Get an instant quote for bicycle theft, personal injury and travel cover today. Some providers offer security freebies. (Click here for a full list of events included). Laka is collective bicycle insurance especially for cyclists. PedalSure is unique in that it allows you to choose cover for yourself, rather than your bike. Standard travel insurance has limits on the value of individual and total items you can take with you and quality cycling equipment can easily exceed them. Other providers worth considering are Bikmo , PedalSure, CycleGuard, Yellow Jersey and Velosure because of their cycle breakdown feature. Motorists are legally obliged to carry insurance, and it is from this policy that an injured cyclist will often be able to claim compensation, both for an injury and its associated costs, and the damage done to property, an important financial consideration with some bicycles now costing more than the average car. Good for: new cyclists, commuters, mountain bikers, enthusiasts, people who have home insurance that covers their bikes. Many cyclists will have to do this anyway because a British Cycling membership is required to enter most races in the UK. But that can be expensive and leave surprising gaps in cover, especially if you don’t have all of those policies. Get a quote for PedalSure's policies or read a review of PedalSure's cycling cover. CycleSure donates 10% of the insurance premium to Cycling UK who use 100% of this to fight for local and national cycling issues. Policies come with a free DNA+ marking kit. We'll send you videos of our top cycling tips and techniques. A comprehensive policy for cycling enthusiasts that covers accessories, events, breakdown, race fees and worldwide travel. Simply hit “GET A QUOTE” to get going. British Cycling bike insurance by Bikmo. British Cycling bike insurance by Bikmo is provided by Bikmo Limited.Bikmo Limited is authorised and regulated by the Financial Conduct Authority ref: 745230. It includes roadside recovery as standard. This is just one of a number of cycling organisations which offer automatic insurance cover as part of the membership. * data from claims between 01/01/2019 and 31/12/2019. The first thing to consider is how long you will need your cycling holiday insurance policy to cover you for. It’s not because cyclists … With many bikes and accessories costing thousands of pounds, it’s surprising many cyclists don’t have … *It can be especially important for commuting cyclists to have third party liability included in their bike insurance. Cyclist Newsletter. Buy now. Pedalcover is unique in offering combined home and bicycle insurance dedicated to cyclists. However, selecting the best insurance policy for your needs will depend on how you use your bike. We'll assume you're ok with this, but you can opt-out if you wish.Accept Read More. You can see our reviews of the top providers here. We flipped insurance. It covers bikes up to £12,500 and provides good cover for those considering long trips abroad. looked into how insurance would have helped, Protect Your Bubble cycling insurance review, Better options and fewer restrictions for where you can store your bike, Cover for races and competitions, including triathlons, Breakdown assistance Travelling overseas with high-value bikes and cycling abroad, Cover for specific parts of the bike, such as wheels or the seat, Accessories cover - GPS, helmets, clothing, water bottles, Race fees – if you have to cancel because of illness or injury. Good for: all-rounders, commuters, amateur races, taking a bike on holiday. Select the value of your bike for an idea … If you’re a keen cyclist, you don’t need to be told the many benefits of your bike. As you might guess from the name, Yellow Jersey specialises in training and racing and will even cover fees for races you might not be able to attend after a crash. It will even reimburse the cost of your lost, stolen or damaged bike or sports equipment. It’s that simple! For example, Bikmo and Yellow Jersey do not provide public liability for the USA and Canada. Protect your bikes and gear against theft & damage with Laka 5-star rated cycle insurance. Being on the road during rush hour brings greater risks. And they are unlikely to cover your bike while it is in the hold of a plane. £5.99. However, full cyclist insurance can cover individuals for legal expenses and provide payouts if you are injured or your bike breaks or is stolen. However, it's worth noting that worldwide policies often do not offer public liability cover for certain countries. While often providing some cover home insurance is unable to meet the specific demands of the committed cyclist. Magazine & Gift Ideas 32 products. Aside from claiming through home insurance, many cyclists are also members or organisations like Cycling UK or British Cycling – who will also cover damages if a cyclist … If you're entering a race in the UK you may need a British Cycling membership, which includes up to £10m of liability cover. we will receive commission if clicking on a link to one of the named insurers As a registered user, you'll be able to enter over 4,000 events online. Along with the possibility of causing damage to yourself, your bike or others, cyclists have to find somewhere safe to store their bikes. The best bicycle insurance offers comprehensive cover for serious cyclists, have good customer feedback online, accessible quote processes and are more competitive than other cycle policies. These schemes charge a small fee to join, however, the cover is less comprehensive than what you get from a full insurance policy. You can buy liability and personal accident cover without insuring your bike. Although a number of well-known brands offer bicycle insurance some of the new companies are created for cyclists by cyclists and may also offer a better level of customer service. Designed for all types of riding ; Covers you for many events; 92% claim approval. To link accounts please enter your British Cycling password. * Exclusive pricing for British Cycling members. "Had my bicycle … That could be an injury, damage to your bike or someone else’s property. Dedicated cycling insurers have emerged to package the relevant bits of each of those policies into one product. Receive a complimentary copy of our weekly members e-newsletter. Our Cycling Travel Insurance policy works just like any other travel insurance, meaning that it will protect you should you have an accident or illness abroad, lose your luggage or experience delays. Cyclists do not legally require insurance to ride on the roads in the UK, however the recent case is a salutary reminder of what can happen if you cause an accident. Bikmo. Cycling accident insurance isn't always included as standard with bicycle insurance policies, so always check. Rated 4/5 by customers "Simple to use website, was able to get a quote in under a minute." You only need to do this once. A comprehensive policy for cycling enthusiasts that covers accessories, events, breakdown, race fees and worldwide travel. You can view our cycling insurance policy options here, and choose which insurance policy is the right one for you - enter your bicycle value for a quote. Equipment cover means your bike and accessories are protected against theft and accidental damage up to £30,000. If you have to buy a new lock make sure you keep the receipt because if it disappears along with your bike, you’ll need to prove it was secured with an approved device. Perhaps you enter competitions at the weekend, have a high value bicycle (or bicycles), need more options or wish to cover yourself as well as your bicycle? Good for: races and events, teams, all-rounders - you can tailor the policy to your interests. Local groups and cycling clubs View. Many home insurance policies will not cover your bike if it is stolen from your car but Yellow Jersey and CycleGuard advertise in-vehicle cover. Wiggle Cycle Insurance is designed specifically to protect cyclists. Shop around to find the best cycle insurance policy To find the right bicycle insurance policy you should consider: It covers bikes up to £10,000 and does not seem to price by postcode, which means it could be cheaper for some city cyclists. Plus, British Cycling members are offered 14 days free cover on new bikes, so you can focus on enjoying your first miles with total peace-of-mind. There are other providers on the market you might want to consider, or have heard about and want more information on. Home insurance will often have a value limit, which could be as low as £500. Another way to get a limited amount of insurance is by joining organisations or charities such as British Cycling, Total Cycle Assist or CTC. For members who want cover for road racing, closed circuit racing or crit/criterium events choose PROTECT-R which also includes £500 race fee cover. Save 10 % when you buy online Save 10 % Online Coronavirus Exclusion: Our Insurers will not provide … Sign up to the Cyclist newsletter here. Cyclist Magazine Holder. It’s been around some time and offers a highly modular policy, allowing you to include or exclude almost every element of cover, giving lots of flexibility. As mentioned previously, a Bought By Many colleague broke his arm in a race. Cycling can be a leisure pursuit or a means of commuting. Many home insurance policies will not cover accidental damage away from home. Liability for cyclists can come in the form of damage to the property of others or bodily injury to others. Most should include leaving your bike in a triathlon transition area and sportives. It works by paying a cash lump sum if you have a serious accident and policies offer cover ranging from £10,000 up to £150,000. Best bicycle insurance for UK cyclists Assetsure ‘keen amateurs’ insurance. Because races are fast paced and close quartered it’s no surprise that crashes happen. From the freedom of riding along the UK’s roads to saving money on train fares and petrol, cutting down on pollution and improving your health and fitness, pedal power sure is attractive. Thank you for your continued patience and apologies for any inconvenience this may cause. Here are some of the things these new companies aim to cover that other policies may not: Cyclists might think they’re aware of the dangers of being in the saddle but there are many scenarios that can cost more than expected or cause major inconvenience if not covered. Latest News. Wiggle Cycle & Bicycle Insurance. In 2018, it launched cheaper cover for entry- and mid-level enthusiasts. Menu … Tuesday 30 October 2012. Visit Cyclist.co.uk; Subscribe to Cyclist Magazine — Sign In — Close; please allow 10 working days for your order to arrive, if you have any queries please email shop@cyclist.co.uk — Sign In — Close; Magazines & Gift Ideas. There’s a 20% initial discount. Which might not be great if you want to go on a Rapha trip to the States. Buy now. January Yellow Jersey, Bikmo, PedalSure and Velosure include race cover as standard. Join your group to Cycling UK View. It insurers professionals and even covers Team Wiggins. There are a growing number of companies in the market built entirely around offering insurance catered perfectly to cyclists of all types, from casual commuters to hardened racers. Insurance for bikes, e-bikes and cycling accessories At cycleGuard, we’ve been protecting cyclists and triathletes across the UK for over 20 years against theft and damage to all types of bike including mountain, folding, electric and road as well as cycling accessories inside the home, away from the home and much more. Still, we recommend staying upright. Allows you to set up cover for you first and foremost and your bikes second. It pays out for broken bones, physiotherapy and out-of-pocket expenses you might incur, such as having to get a cab to work for a few days. It’s particularly popular for race and event cover, offering cancellation cover of up to … Making a claim with Bikmo is designed to be as painless as possible: You can see answers to more questions by visiting the British Cycling bike insurance by Bikmo support pages here. Our list is not based on price, although we highlight where insurers may be cheaper for some people because they don't take into account where you live. Buy now. Once you have a price it allows you to add various features such as five year new for old cover, competition use and personal accident cover. What is cycling liability insurance and do I need it? Address: 1-10 Summers Street, London EC1R 5BD. We don't ask you to specify all of your cycles individually, just tell us the current replacement cost of all of your cycles to be covered. This is when you’ll feel all the benefits at work. Family Cover. Simply put, a riding mishap can hurt someone else physically — or cause damage to their belongings, including cars, other bikes, signs, or anything else you might bump into with your bike.. Find out why you need cycle insurance. Cycling Marketing Board launched to promote and diversify cycling. Since 1 May 2019, British Cycling bike insurance has been provided by Bikmo. It acts like a specialist health insurance policy for cyclists and offers payouts for physio and if you break a bone. Although you will need normal travel insurance when going abroad, having a cycle policy means your bike is covered and you won't have to pay for extras on your travel cover. Bought By Many Ltd is authorised and regulated Those sound like the enigmatic arguments for getting any kind of insurance but because cycling is so physical and involves vulnerable and valuable equipment it is something bike riders should consider. Even if you take out bicycle insurance it’s vital that you are security conscious. where insurers are listed, it can dictate where they appear in the list. The best insurance for different cyclists, 5. 50% Multi-bike savings discount** 25% lower premium for electric bikes** 14 days free insurance on new bikes Cyclists and cover for certain countries sense to claim on home insurance policies so. 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