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1st

Our
Review Score

9.8/10

based on 1,825 reviews

Personal Accident Cover***

£50k

Public Liability Cover****

£2m

Defaqto Rating

2nd

Our
Review Score

9.4/10

based on 12,876 reviews

Personal Accident Cover***

£25k

Public Liability Cover****

N/A

Defaqto Rating

3rd

Our
Review Score

9.4/10

based on 1,062 reviews

Personal Accident Cover***

£50k

Public Liability Cover****

£1m

Defaqto Rating

4th

Our
Review Score

9.2/10

based on 542 reviews

Personal Accident Cover***

£20k

Public Liability Cover****

£2m

Defaqto Rating

5th

Our
Review Score

9.2/10

based on 2,550 reviews

Personal Accident Cover***

£50k

Public Liability Cover****

£5m

Defaqto Rating

6th

Our
Review Score

9.0/10

based on 267 reviews

Personal Accident Cover***

£10k

Public Liability Cover****

£2m

Defaqto Rating

7th

Our
Review Score

8.9/10

based on 332 reviews

Personal Accident Cover***

£25k

Public Liability Cover****

£2m

Defaqto Rating

8th

Our
Review Score

8.8/10

based on 474 reviews

Personal Accident Cover***

£25k

Public Liability Cover****

£5m

Defaqto Rating

9th

Our
Review Score

8.6/10

based on 2,024 reviews

Personal Accident Cover***

£25k

Public Liability Cover****

£5m

Defaqto Rating

10th

Our
Review Score

8.5/10

based on 4,451 reviews

Personal Accident Cover***

£45k

Public Liability Cover****

£4.5m

Defaqto Rating

***This is the maximum amount of personal accident cover this provider offers.

****This is the maximum amount of public liability cover this provider offers.

Our comparison table is ordered by review score. The review score is the average weighted score based on product quality and user reviews from the last 12 months. Find out more about how our review score is calculated here.

All bicycle insurance quotes are provided via Quotezone, who are FCA regulated. Please note that some of the providers included within our table are not currently offering new policies. 

Is bicycle insurance worth getting?

Whether you cycle for pleasure, to commute to work, to stay fit or to compete in events, you should consider taking out a specialist bicycle insurance policy. Not only do bicycle insurance policies protect you against accidents that can happen while you’re riding but they also protect you from theft. Bicycle theft is rife in the UK, according to crime data, over 376,000 bicycles are stolen every year, which equates to one every 90 seconds. 

If you rely on your bicycle to commute, you’d either need to replace your bike or find an alternative way of getting to work each day which could end up being very expensive. But if you have a bicycle insurance policy in place, you’d be able to get back up and riding as quickly as possible and most insurers will even provide you with a hire bike while yours is being repaired or replaced. At Compare By Review, we take pride in offering cheap bicycle insurance quotes from providers with the highest quality cycle insurance reviews. So you can have peace of mind that your bicycle insurance will meet your expectations.

But my bike is already insured under my home insurance policy…

You might think that you have substantial cover because your bicycle is included on your home insurance policy, however, the cover is often limited. If your bicycle is insured under your home insurance policy, it’s likely that you’ll only be covered for theft and accidental damage, so you need to consider whether this is enough cover for you. There are two ways your bicycle could be covered under your home insurance policy:

Contents insurance – some home insurance providers consider bikes to be contents so they will cover them if they’re damaged, destroyed or stolen whilst in your home. However, in the event of making a claim, there are often certain criteria that you need to meet for your claim to be paid out. For example, your bike must have been secured to an immovable object if it was stolen from your home.

Personal possessions taken out of the home – some insurers will cover your bike when it isn’t at home, provided you have personal possessions cover added to your home insurance policy. Again, there may be certain criteria you need to meet in order to get a payout in the event of your bike being stolen or damaged.

If your bike is at home the majority of the time and you only ride it occasionally, this level of cover might be adequate. But if you have an expensive bike that you ride more regularly, you should consider a specialist cycle insurance policy that provides you with a much higher level of cover.

In this guide

                                                                       
Provider Personal accident cover Public liability cover Legal expenses cover Cycle hire cover Clothing & accessories cover Single bike limit Max policy value New for old cover
Assetsure £50k £2m £100k £1k £500 £10k £10k Included
Cycle Plan £50k £5m £50k £1k £1k £30k £30k Included
The Insurance Emporium £45k £4.5m £10k £500 £500 £15k £15k Included
Eversure £25k £5m £250k £1k £1k £10k Amount Not Specified Included
Bikmo £20k £2m £100k £500 £250 or 10% £30k £30k Included
Yellow Jersey
25k£2m£100k£500£2k£15k£50kIncluded
Pedalsure
£50k£1m£25k£500£1.5k£15k£30kIncluded
CoverCloud
£25kAmount not specified
Amount not specified£1k£900£6kAmount not specified Included
CycleGuard
£10k
£5mAmount not specified£500£2.5k£20k£40k Included
Wiggle
£10k£2mAmount not specified£500£10k£10k£30k Included
Velosure
£10k£2mAmount not specified£500£1k£20k£20k Included
ALA Insurance£25kAmount not specified
Amount not specified£1k£900£6k£6kIncluded
Nova Direct£25kAmount not specified
£25kAmount not specified£250£2.5k£2.5kIncluded

Please note, the figures listed in the table show the maximum amount available, most providers will allow you to choose the limit you want from a predetermined list.

Can I save money on bicycle insurance?

If you’d like to invest in a cheaper bicycle insurance solution, there are plenty of ways to bring the cost of your policy down when choosing your cover. Firstly, it is always good to check if your existing contents or home and contents policy already includes bicycle protection. You will be able to find this out inside your policy documents. If you are covered already, this could save you unnecessary costs. 

It is also key to ensure you only choose the policy features you need as this will help to reduce the price of your bicycle insurance. When getting your bicycle insurance quote, usually the provider will allow you to add optional extras to your cover, such as personal accidents and collisions, replacement bike hire, third party liability, commuting and many more. By choosing the basic policy level, the fee will usually be significantly lower. 

What to look for in bicycle insurance?

What is covered?

Do you want cover that just protects your bicycle, just protects yourself or both? You should check what is covered as standard and then you can tailor the policy to add on additional extras if necessary.

When and where is the cover valid?

Read the policy carefully to check when and where you’ll be covered. For example, is your bicycle covered from theft if you’ve stored it at a different address to your home address overnight? Also, if you’re into cycle touring, you’ll need to ensure that you’re covered in other countries. Most insurers will allow you to choose whether you want to be covered worldwide or just in Europe for up to either 30 days or 60 days.

How much is your bike covered for?

Check if there’s a limit on the amount the insurer will pay out for replacing your bike. You might need specialist cover if your bike is expensive.

Do you need to have specific locks?

Most insurers insist that your bike is locked with an approved lock in order to be covered. It’s likely that there will also be rules about how you secure your bike, for example, locking it to an immovable object.

How much is the excess?

You don’t want to be paying a fortune if you need to make a claim. Most insurers give you the option to choose your excess, often varying from as little as £50 up to £500 but it’s worth bearing in mind that the lower the excess, the higher your premium will be.