If you\u2019re looking for a quick comparison of the best bicycle insurance on the market, check out our bike insurance comparison tool that we\u2019ve developed with QuoteZone<\/a>.<\/p>\n <\/p><\/div> <\/section> Choosing an electric bike insurance policy<\/a> largely boils down to the practical considerations of electric bike<\/a> ownership and how easily a policy will work with these.<\/p>\n To start, the additional heft of the best electric bikes<\/a> means they\u2019re more likely to be stored outside of your home and, potentially, regularly used for commuting. This makes Bikmo<\/a> and its leniency around outbuildings and cycle hangers a tempting option (more on this below).<\/p>\n Some insurers, such as Sundays<\/a>, will allow you to leave a bike locked up in a communal area, such as a shared garage, but watch out for the specifics of each policy. For example, Sundays requires that any bike \u201cmust not be visible to the General Passing Public and or visible from outside the building\u201d<\/a>.<\/p>\n If you are in any doubt about whether the location where you plan to store your bike is covered, just ask.<\/p>\n Ebikes are also often an individual\u2019s second bike (though that situation is changing since motor-assisted bikes figure among the best bikes for commuting<\/a>), so it\u2019s worth shopping around to see who offers the most generous multi-bike discount.<\/p>\n Our bike insurance comparison tool includes coverage for ebikes and is the easiest way to ensure you\u2019re getting the best coverage possible.<\/p>\n Road bike cycling brings riders into the path of uncontrollable elements such as traffic. It doesn\u2019t matter how vigilant or good at riding you think you are, we can all get caught off guard by someone else\u2019s mistake.<\/p>\n Whether you commute on a road bike or just ride on the weekends, it\u2019s a good idea to choose a policy that has comprehensive third-party liability insurance in case you\u2019re involved in a crash. Likewise, good personal insurance cover could be valuable if you take a nasty spill, or worse.<\/p>\n Both of these are covered by all insurers to a certain degree, but once again, pay close attention to the small print and consider what you really value \u2013 is a huge life assurance payout more important to you than comprehensive dental or physiotherapy cover?<\/p>\n Other add-ons could be useful for road cyclists, too. For example, Bikmo and Yellow Jersey<\/a> offer similar recovery policies to those you get for a car, offering transportation to a bike shop or home.<\/p>\n Since 1 May 2019, British Cycling bike insurance has been provided by Bikmo. It\u2019s particularly popular for race and event cover, offering cancellation cover of up to \u00a3750.<\/p>\n Our bicycle insurance comparison tool enables you to compare policies on all of these points and is the simplest way to find the best insurance for road bikes.<\/p>\n Like road bikes, top-end mountain bikes<\/a> can now cost upwards of \u00a310,000, so replacing a stolen or damaged bike can quickly become an enormous financial burden.<\/p>\n Consider how often you use your mountain bike. If it\u2019s stored away inside your home for most of the time and only sees occasional use, a low-tier policy (most insurers offer varying tiers of coverage), particularly for theft and accidental damage, might be sufficient.<\/p>\n If you store your bike outside, keep an eye on the small print here: are wooden sheds<\/a> included, or does the shed have to be metal? Does the bike need to be secured to an immovable object or ground anchor inside? Perhaps consider how to improve your bike shed security.\u00a0<\/a><\/p>\n If you hit the trails regularly, shop around for a deal that offers good cover for personal injury protection and coverage for things such as dentistry and physiotherapy \u2013 accidents do happen out there.<\/p>\n Accidental damage coverage is also arguably more valuable for mountain bikers than road cyclists. Choose a policy that offers the right level of accidental damage cover for you. Coverage of accessories is also valuable here.<\/p>\n Our insurance comparison tool<\/a> offers a detailed comparison of all of these points and should be your first port of call when looking for the best insurance for mountain bikes.<\/p>\n You could pay less than \u00a343 for bicycles valued up to \u00a31,500*<\/p>\n Fifty one per cent of customers with a bicycle valued up to \u00a31,500 who obtained a quote for bicycle insurance through this service provided by Seopa Ltd between September and November 2021 were quoted less than \u00a343.94. Using the same calculation for bicycles valued between \u00a31,501 and \u00a33,000 gave a figure of \u00a3107.34 and for bicycles valued over \u00a33,000 gave a figure of \u00a3214.34. The quote price you could achieve is dependent on your individual circumstances.<\/p>\n <\/p><\/div> Cover against theft is by far the biggest concern for consumers.<\/p>\n With this in mind, the terms of policies from the biggest providers have become increasingly generous, driving competition.<\/p>\n The maximum insurable value may seem like an obvious figure to look at, but few of us actually own \u00a315,000 bikes, so weighing up how, where and in what condition a provider insists your bike be stored are the things to look at.<\/p>\n Any excess to be paid, additional extras that a policy provides and user reviews are also important factors to consider.<\/p>\n Most providers will cover your bike within your home, but pay attention if you plan on storing it in an outbuilding or garage \u2013 Bikmo and Yellow Jersey have clear policies here and, unlike some other providers, these outbuildings can include lockable wooden sheds.<\/p>\n This caveat is an example of the sort of thing you should pay particular attention to when comparing the best bike insurance.<\/p>\n The providers also have clear and concise rules about where your bike can be stored away from home and what precautions must be taken to ensure you\u2019re covered.<\/p>\n As mentioned, Bikmo also explicitly covers bicycles stored in Bikehangars<\/a> and other similar storage facilities, which could be beneficial for some cyclists.<\/p>\n Abandonment (leaving your bike unattended) is also worth paying attention to. Bikmo, for example, defines abandonment as having left a bike for 24 hours, as opposed to Yellow Jersey\u2019s 18 hours.<\/p>\n This is of particular note if you, for example, travel overnight and leave a bike at a train station.<\/p>\n As with all of our suggestions, it will likely come down to cost and what other benefits each package may offer you.<\/p>\n Theft coverage comparison is included in our insurance comparison tool, and is your best bet to make sure you\u2019re getting the coverage you need<\/a>.<\/p>\n We all do our best to avoid a crash. No-one wants the pain, damage and admin that comes with an accident.<\/p>\n But if the worst does happen and you injure someone else along with yourself, liability\/third-party insurance is there to protect you in the event of a serious crash.<\/p>\n Not only will it cover you for damage to others and their property but it can also cover you for legal costs.<\/p>\n There have been a number of unpleasant high-profile cases involving cyclists hitting pedestrians. As a result, society is leaning towards tougher rules and harsher sentences for cyclists, making liability insurance something really worth considering.<\/p>\n All insurers will offer third-party coverage to a certain degree, though how much and under what circumstances depends on the insurer. Some will, for example, exclude racing (though any well-organised event should have its own insurance).<\/p>\n This is a complex area and, if it is something you are concerned about, each provider\u2019s policy wording demands extra scrutiny.<\/p>\n PedalCover<\/a> (part of Yellow Jersey) is a specialist that provides home insurance specifically tailored to enthusiast cyclists and their unique needs, including, for example, coverage against theft when away from home and coverage while racing \u2013 as far as we know, no other home insurance provider offers as comprehensive a level of cover for cyclists.<\/p>\n It\u2019s hard to make a straight comparison between PedalCover and other providers because each PedalCover policy is bespoke to the customer. This means there is no set policy wording available. Nonetheless, it\u2019s an interesting option and worth requesting a quote to see if the cover offered suits your needs.<\/p>\n Regular, plain old boring, vanilla home insurance is, by far, the most popular way to insure a bike against theft.<\/p>\n However, going down this route has a number of pitfalls, primarily around cover outside of the home or against accidental damage.<\/p>\n Despite this, many still choose to insure their bikes this way, and if you\u2019re after a simple and often cost-effective policy for a cheap bike, it can be a good option.<\/p>\n When we originally wrote this article in 2018, none of the home insurance providers we spoke to replied to our questions, so our suggestions are based on specifications, user reviews and recommendations from our readers.<\/p>\n Marks and Spencer Bank<\/a>, Aviva<\/a> and Hiscox<\/a> insurance were the three providers that were most regularly recommended. It\u2019s worth noting that Hiscox underwrites many specialist providers (including Bikmo), while Aviva underwrites M&S.<\/p>\n All three provide comprehensive coverage against theft and damage inside and outside of the home, but all have varying degrees of coverage for use during competition.<\/p>\n As with all of the policies mentioned in this article, pay close attention to policy wording.<\/p>\n Before choosing an insurance policy with event\/racing cover, weigh up the sorts of events you are planning or are most likely to attend \u2013 the premium for a policy that will cover every single type of racing will be considerably more than one that covers just sportives.<\/p>\n British Cycling<\/a> (which is provided by Bikmo) is a popular option for many racers and it has event cancellation cover of up to \u00a3500. Additional coverage for personal injury or accidental damage to your bike can also be purchased.<\/p>\n If you\u2019re doing a tour or sportive abroad and want to be covered for your travel costs up to \u00a35,000 and entry fees up to \u00a3300, but equally aren\u2019t fussed about theft or accidental damage cover, Cycling UK\u2019s (Cyclecover)<\/a> policy may work for you.<\/p>\n Note that this policy explicitly excludes all events except sportives, so it would probably be best to check with Cycling UK directly if you\u2019re unsure whether your event falls under this category.<\/p>\n Other dedicated insurers will offer more broad coverage, including, in some cases, replacement bike hire, event cancellation cover and more.<\/p>\n It\u2019s hard to give a definitive answer here as everyone\u2019s quote will be different, but assessing across user reviews and considering policy specifications, Laka<\/a> presents an interesting option for those looking for cheap bicycle insurance.<\/p>\n Laka works in an interesting way, with your monthly payments fluctuating depending on the number of claims made within a given month, with savings passed onto customers.<\/p>\n For example, according to Laka, the average cost of insuring \u00a32,000 worth of gear would be \u00a37. If a number of claims were made by other members within a set month, your price may rise, but it would never be more than \u00a317.<\/p>\n That\u2019s an incredibly simplified round-up of how Laka works. For more info, it\u2019s best to consult its extensive FAQs.<\/a><\/p>\n<\/div>\n For a definitive comparison of the best cheap bicycle insurance, use our comparison tool<\/a>.<\/p>\n![\""Compare\"](\""https:\/\/images.immediate.co.uk\/production\/volatile\/sites\/21\/2018\/11\/br_insurance_button-cropped-413d95b.png?quality=90&resize=620%2C151"\" "\\"\"Compare\\"\/")
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Compare bicycle insurance | The best policies for 2022<\/h2>\n
Best electric bike insurance<\/h3>\n
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Best bicycle theft insurance<\/h3>\n
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Best bicycle insurance with travel cover<\/h3>\n
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