Cycling isn’t just something you do, it’s how you get around, clear your head, and connect with the world around you. Whether you're a weekend wanderer, daily commuter or gravel explorer, the thought of choosing insurance which is suitable for your needs can be quite exhausting. With so many companies offering differing levels of coverage, all with their own particular exclusions and endorsements, how do you pick a policy which is right for you?
Cyclists on Route 2, near Dover. Credit: Sustrans
Well, grab a coffee and cake and we’ll cut through the noise with eight key questions, put together with our friends at Pedal Cover, to help you choose the insurance policy that’s right for you.
1. Does your home insurance provide enough cover?
Many bike-owners assume their home insurance covers their cycle, but this isn’t always the case.
High-value bikes and e-bikes may not be fully covered, especially for theft away from home or damage while riding. It’s worth checking the fine print to make sure the policy you’re choosing is fulfilling your needs.
2. Should you insure your bike and home together?
Some insurers offer separate policies for your bike and your home, while others combine both into one. Depending on your needs, one approach may be more cost-effective than the other.
Think about how much cover you need for both your bike and your home and whether a single policy could offer better value?
Let’s not forget the fact that managing fewer policies is not only easier but also saves time. Our friends at Pedal Cover, for example, provide combined home and bike insurance, which might suit some riders perfectly.
The Kelpies, on Route 76 of the National Cycle Network. Credit: Lesley Martin
3. How is your bike’s value calculated?
Some policies depreciate the value of your bike over time, which means you might not get back what you originally paid if you need to make a claim.
Look for policies that insure your bike at its full purchase price rather than a reduced value. Some providers, like Pedal Cover, do not depreciate the value of your bike value over time, regardless of its age or condition.
A reassuring option if you want to protect the full value of your bike!
4. Are you getting good value for money?
“There is nothing more expensive than cheap insurance.” Times are tough at the moment, so it’s natural to prioritise decisions based solely on price.
When it comes to insurance, the cheapest policy isn’t always the best. When comparing policies, look at the level of cover included.
Ask yourself: Does it protect against theft, accidental damage, cycling-related incidents and legal cover? Are there any hidden fees or exclusions?
A slightly higher premium may go a long way to provide significantly better protection.
People cycling in a segregated lane next to buses. Credit: Transport for Greater Manchester
5. What extras are included?
Some policies cover more than just the bike. Look for a provider who offers features like public liability, cover for cycle specific accessories, the cycling kit you’re wearing, event protection, personal accident cover, taxi reimbursement and cover for riding abroad.
All of these features can add real value and most importantly, peace of mind. Rather than paying extra for add-ons, check whether these benefits are included as standard.
6. Who handles your claim if something goes wrong?
Dealing with a claim can be stressful, especially if you’re working with a general claims handler unfamiliar with cycling. Choosing a provider with a specialist claims team that knows bikes and the unique risks cyclists face can make a real difference. Some insurers, like Pedal Cover, offer this kind of dedicated support, helping ensure your claim is handled smoothly and with the right expertise.
7. How easy is it to get support?
When you need to make a claim or update your policy, quick and helpful customer service is invaluable. Consider how easy it is to contact your insurer. Do they offer personal, responsive service or will you be stuck in long call queues?
Cyclist on a woodland trail. Credit: Ben Guernsey
8. Does your policy suit your riding style?
Not all policies are created equal. If you race, travel with your bike, or ride off-road, make sure your insurance reflects your riding style. Some policies provide better coverage for events, training and travel than others, so it’s important to choose one that fits your needs.
Our final thoughts
As with anything insurance related, cycling insurance isn’t a one-size-fits-all product. The right policy depends on where you live, how and where you ride, the size and value of your bike collection and what level of cover you need.
Taking the time to compare policies and ask the right questions can help ensure you’re properly protected so you can focus on enjoying the ride, knowing you’re covered if the unexpected happens.
About Pedal Cover
Pedal Cover are specialists in cycle-specific insurance, offering a range of flexible options to suit every kind of rider.
For more information on combining home and bicycle insurance into one neat package, why not visit our partner, Pedal Cover Insurance. Pedal Cover provides combined Home and bike insurance, cycling travel insurance and also dedicated cycle insurance. Their customer support team are very easy to contact and are open Monday-Friday, 9 to 5.
All Sustrans supporters can benefit from 10% discount off combined home and bike insurance, cycling travel insurance and dedicated cycle insurance by using the code SUSTRANS10. Pedal Cover will also donate 10% of the policy price to support our work.
Visit Pedal Cover website to get your 10% discount and obtain a quote.
Or contact Pedal Cover:
Telephone: 0800 121 4424
Email: enquiries@pedalcover.co.uk
Website: www.pedalcover.co.uk