But that can be expensive and leave surprising gaps in cover, especially if you don’t have all of those policies. Covers your bikes and kit against theft, accidental damage and more. It covers bikes worth up to £20,000 and is underwritten by Hiscox, an insurer behind many specialist UK policies. However, it's worth noting that worldwide policies often do not offer public liability cover for certain countries. With third party liability insurance, you are covered for any claims made against you for damage or injury. Good for: all-rounders, commuters, amateur races, taking a bike on holiday. 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. 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. Shop at Wiggle Wiggle Legal. results in a reader taking out a policy with that insurer. If you’re a keen cyclist, you don’t need to be told the many benefits of your bike. As a registered user, you'll be able to enter over 4,000 events online. The firm says its bicycle insurance is designed to cover “keen amateurs”, and pays out in the event of accidental damage and theft, with £100,000 of legal … If you don't know your username, enter the email address with which your account is registered and we will send you a reminder. Good for: races and events, teams, all-rounders - you can tailor the policy to your interests. Issue 109. The best insurance for different cyclists, 5. At last, a reason to feel good about insurance! Get a quote. 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. Making a claim on home insurance is likely to increase your premium. Our specialist cycling insurance includes Equipment cover, Public Liability and Personal Accident cover plus many other cover options. Get an instant quote for bicycle theft, personal injury and travel cover today. where insurers are listed, it can dictate where they appear in the list. 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. It acts like a specialist health insurance policy for cyclists and offers payouts for physio and if you break a bone. Insurance from Wiggle that’s built for the way you ride. 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. There are other providers on the market you might want to consider, or have heard about and want more information on. 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. Other providers worth considering are Bikmo , PedalSure, CycleGuard, Yellow Jersey and Velosure because of their cycle breakdown feature. £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. Magazine & Gift Ideas 32 products. A comprehensive policy for cycling enthusiasts that covers accessories, events, breakdown, race fees and worldwide travel. Many events will require you to have some form of cover before you enter. The excess fee may mean it doesn’t make sense to claim on home insurance. 50% Multi-bike savings discount** 25% lower premium for electric bikes** 14 days free insurance on new bikes Other providers with worldwide policies include Cycleplan, CycleGuard and PedalSure, which says it offers a true worldwide policy without any restrictions. Pedalcover is unique in offering combined home and bicycle insurance dedicated to cyclists. We also charge for 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. Save 10 % when you buy online Save 10 % Online Coronavirus Exclusion: Our Insurers will not provide … January Get a quote for PedalSure's policies or read a review of PedalSure's cycling cover. Without it, you could be held personally responsible if someone chooses to sue you for injury or damage. 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. However, selecting the best insurance policy for your needs will depend on how you use your bike. Which might not be great if you want to go on a Rapha trip to the States. 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. £9.99. Insurance for Cyclists. Cycling Electric … While often providing some cover home insurance is unable to meet the specific demands of the committed cyclist. Great offers on becoming a British Cycling member, however you ride. Tuesday 30 October 2012. It insurers professionals and even covers Team Wiggins. 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). In 2018, it launched cheaper cover for entry- and mid-level enthusiasts. (Click here for a full list of events included). £5.99. It’s particularly popular for race and event cover, offering cancellation cover of up to … This register can be checked For example, Bikmo and Yellow Jersey do not provide public liability for the USA and Canada. by the Financial Conduct Authority - Register number 652623. 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. Although the biggest fear for many cyclists is being injured by a vehicle. Rated 4/5 by customers "Simple to use website, was able to get a quote in under a minute." Because cycling events vary so much it’s important to check your policy to ensure the events you’re interested in are covered. Bikmo. That’s all we do and we know what it takes to offer the most comprehensive cover for the most competitive price. It includes roadside recovery as standard. 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. 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. If you're entering a race in the UK you may need a British Cycling membership, which includes up to £10m of liability cover. [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. Some of the more unexpected expenses include paying for a taxi to hospital and work, the cost of takeaway meals if you can’t cook because of a broken arm, getting a physio appointment if the NHS waiting list is too long and lost entry fees for races you can no longer enter. Bought By Many Ltd is a company registered in England and Wales with number 7886430. Menu … London streets and roads, for example, can make it difficult to avoid pedestrians. Latest News. We have found a match between your Facebook account and British Cycling. Good for: all-rounders, taking a bike abroad. 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. Also, many policies class cycling as an activity that requires a higher level of cover and activities such as races might be completely excluded. Cycling Marketing Board launched to promote and diversify cycling. Bike insurance is not included in your membership, and it only takes seconds to get a quote - all you need is your postcode, bike values and British Cycling membership number. If you do not know your password, enter your username and we will send a password reset to your registered email address. 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. 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. Insurance included in Cycling UK membership for cycling clubs and cycling groups. Issue 108. Find out about some of the best winter destinations for cyclists and cover for triathlons at home and abroad. Allows you to set up cover for you first and foremost and your bikes second. CycleSure donates 10% of the insurance premium to Cycling UK who use 100% of this to fight for local and national cycling issues. 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. Some providers offer security freebies. Both Cycling UK and British Cycling will also cover damages if a cyclist … Because races are fast paced and close quartered it’s no surprise that crashes happen. 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 … You need to stop somewhere safe and ensure the cyclist is ok. As it’s a big part of the Theory Test, UK drivers are expected to have a basic grasp of first aid. Another security issue to consider is theft from your car or a vehicle. Home insurance will often have a value limit, which could be as low as £500. We also use the combined buying power of our members to negotiate fairer and cheaper deals with insurers. Dedicated cycling insurers have emerged to package the relevant bits of each of those policies into one product. This article was written by Bought By Many. You can buy liability and personal accident cover without insuring your bike. Hit a Cyclist with Your Car – Immediate Actions. 8 As well as the obvious headline financial impact related to these mishaps there are other costs that can add up. Cyclist Newsletter. Our mission is to transform Britain into a great cycling nation and research from nations like the Netherlands and Denmark shows that we can help to make our towns and cities safer … Buy now. You can see our reviews of the top providers here. Bought By Many’s resident roadie found this out after his recent crash and looked into how insurance would have helped. Skip to content . Select the value of your bike for an idea … Please try again in a few moments. Liability for cyclists can come in the form of damage to the property of others or bodily injury to others. The cost of third party cycle insurance is not expensive, typically around £30 a year, and is available from organizations like Cycling UK , British Cycling and Wiggle . Protect your bikes and gear against theft & damage with Laka 5-star rated cycle insurance. Family Cover. Thursday 27 June 2019. 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". Ride and event organiser insurance View. Its max cover for a single bike is £15,000 and the limit for total bikes is £50,000. Learn more about the best cycling insurance companies and find out what their customers think by reading our expert reviews. You can invalidate your cover by using the wrongs locks or storing a bike incorrectly. We'll assume you're ok with this, but you can opt-out if you wish.Accept Read More. 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. Multi-insurer Assetsure covers precious items across the board, including jewellery, cameras, antiques and stamps, but also bicycles. * Exclusive pricing for British Cycling members. 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. Hitting a cyclist will be traumatic for everyone involved. Good for: all-rounders, city cyclists, commuters, new cyclists. It’s not because cyclists … No cyclist is legally obliged to have insurance to ride their bike and while we offer insurance through membership, we do not feel it should be compulsory for all cyclists to have insurance cover. Cycling accident insurance isn't always included as standard with bicycle insurance policies, so always check. We were not paid to write it but Receive a complimentary copy of our weekly members e-newsletter. Bike and personal accident insurance … If you injure yourself cycling abroad, our holiday insurance will cover the costs of repatriating you back to the UK. Thank you for your continued patience and apologies for any inconvenience this may cause. Insurance protects against financial loss and inconvenience when an unexpected event happens. It’s almost a cheaper, tailored health insurance policy for cyclists. Being taken out by black ice, a pothole or another racer; scratching a car on a busy road; or having an expensive bike targeted by thieves can happen to anyone. The first thing to consider is how long you will need your cycling holiday insurance policy to cover you for. read a review of PedalSure's cycling cover. 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. We're experiencing some technical difficulties. With many bikes and accessories costing thousands of pounds, it’s surprising many cyclists don’t have … Good for: new cyclists, commuters, mountain bikers, enthusiasts, people who have home insurance that covers their bikes. 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. CycleGuard makes a point of not charging more if you live in a city, which could be beneficial for many commuters. As a British Cycling member you benefit from exclusive pricing, up to 50% multi-bike savings and up to 25% lower premium on electric bikes**. 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. *It can be especially important for commuting cyclists to have third party liability included in their bike insurance. But be sure to check with them if there are any liability exclusions. 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. 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. Wiggle Cycle Insurance is designed specifically to protect cyclists. While the policies we've highlighted offer good all-round cover for many activities, there are particular features that may be more beneficial to certain cyclists. There are options for team and coach cover and no extra charge for living in a city (excluding London). Local groups and cycling clubs View. It offers cover for travel, events, accessories and has a big multi-bike discount. Usually, home insurance policies won't give you this liability protection if your bike is electric or motor propelled. Of the 1,800 or so people killed every year on the UK’s roads, between zero and two typically tend to be killed because they were hit by cyclists. Cycling can be a leisure pursuit or a means of commuting. The total cost of bicycles stolen from UK train stations is over £1.5m a year, according to Velosure. There’s a 20% initial discount. We'll send you videos of our top cycling tips and techniques. 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. Multi-cycle. Updated This website uses cookies to improve your experience. Bicycle insurance designed for a cyclist’s needs. Another way to get a limited amount of insurance is by joining organisations or charities such as British Cycling, Total Cycle Assist or CTC. Cycling UK membership offers a variety of insurance and there's also packages through our trusted brokers and partners, specifically tailored for cyclists. As mentioned previously, a Bought By Many colleague broke his arm in a race. The best bicycle insurance companies of 2019, 3. Being on the road during rush hour brings greater risks. 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? 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. Address: 1-10 Summers Street, London EC1R 5BD. It covers bikes worth up to £20,000 and is underwritten by Hiscox, an insurer behind many specialist UK policies. 16,873 cyclists were killed or injured in reported road accidents in 2019 [2] and more than 271,000 bikes were stolen. And they are unlikely to cover your bike while it is in the hold of a plane. We flipped insurance. Since 1 May 2019, British Cycling bike insurance has been provided by Bikmo. So for peace of mind, and to protect both you and your cycling possessions, you may want to consider insurance. Other insurance discounted for Cycling UK members . By making it pay to pay out, we are the collective that backs each other. To link accounts please enter your British Cycling password. Bikmo and Yellow Jersey offer worldwide policies and both have features that payout if your bike or the box it being transported in are damaged in transit. A Yellow Jersey policy comes with a DNA+ marking kit worth £36 and other companies provide discounts on well-known cycling brands and deals on the first year's premium. Join your group to Cycling UK View. Even if you take out bicycle insurance it’s vital that you are security conscious. Buy now. Taking your bike abroad and on cycling holidays. Wiggle Cycle & Bicycle Insurance. At Bought By Many we aim to help people understand all of the insurance options available to them and choose a policy that works for their needs. Equipment cover means your bike and accessories are protected against theft and accidental damage up to £30,000. It covers bikes up to £12,500 and provides good cover for those considering long trips abroad. British Cycling bike insurance by Bikmo is provided by Bikmo Limited.Bikmo Limited is authorised and regulated by the Financial Conduct Authority ref: 745230. This insurance cover would give you protection in case you injure someone, or damage property, while riding your electric bike. Most insurers should provide you with a list of locks that are accepted under their policies. It is possible to cover certain risks using a combination of home, health and travel insurance. Still, we recommend staying upright. Bought By Many Ltd is authorised and regulated PedalSure is unique in that it allows you to choose cover for yourself, rather than your bike. Maximum budget certainty at a fair price. Home insurance may exclude events and competitions. It’s that simple! Simply hit “GET A QUOTE” to get going. Sign up to the Cyclist newsletter here. Buy now. Cyclist Magazine Holder. Policies come with a free DNA+ marking kit. 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