cycleGuard Reviews - Bicycle Insurance

cycleGuard Reviews


10th of 12

cycleGuard Reviews - Bicycle Insurance

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About cycleGuard

For more than 20 years, cycleGuard has been protecting cyclists and triathletes against theft and damage to all types of bike including road, mountain, folding and electric, as well as providing cover for cycling accessories inside the home, away from the home and much more.

What does cycleGuard cover?

As standard, all cycleGuard policies include:

  • £2,500 accessories cover

cycleGuard can cover up to £2,500 of your cycle equipment. Including light sets, clothing, shoes and much more.

  • Replacement bike hire

If your bike is in the process of being repaired or replaced, cycleGuard provides up to £500 for you to hire a replacement.

  • Cycle rescue cover

cycleGuard’s 24/7 recovery team can get you and your bike back to safety in the event of a breakdown provided you are at least a quarter of a mile from your insured location.

  • New for old cover

cycleGuard cover includes no bike-value depreciation when you use their approved claims service. Market value is available for any cycle clothing.

You have the option of extending your cycleGuard bicycle insurance policy by adding on any of these additional levels of cover:

  • Optional personal injury cover

cycleGuard offers up to £25,000 to cover dental treatment, broken bones and physiotherapy if you’re involved in an accident whilst cycling.

  • Optional global travel cover

30 days EU travel cover is included as standard but you can extend this to 365 worldwide cover if required.

  • Optional race and compete cover

Provides cover up to £750 for race entry fees, £500 for associated travel and accommodation costs, as well as up to £200 for clothing lost in a transition area.


  • Optional public liability cover

cycleGuard offers up to £5 million to protect you against cycling-related claims made against you.

Contact cycleGuard

For general enquiries, email or call 0333 004 3444. Lines are open Monday to Friday 9am-7pm and Saturday 9am-5pm.

Alternatively, you can write to cycleGuard at:
Thistle Insurance Services Limited
Southgate House
Southgate Street

Frequently asked questions

What is the maximum value of bikes cycleGuard insures?

cycleGuard can offer online quotations for bikes up to £20,000. You can add up to 10 bikes onto your policy but the total value cannot exceed the £20,000 limit. If you have a bike or bicycles over that value, you may still be able to get a policy but you will have to contact cycleGuard for a personalised quote on 0333 004 3444 or email

Can you cover more than one bike on a cycleGuard policy?

Yes. You can cover yours and your family’s bikes all under one policy (provided you don’t exceed the £20,000 limit) and you’ll benefit from a multi-bike discount.

Am I covered if I lend, loan or hire my bike to someone else?

Your bike will be covered for use by other family members, meaning spouse, partner, sibling, children and step-children but only if you live in the same location. cycleGuard’s Race and Compete cover option will also extend accidental damage cover to riders at the same cycling or triathlon club.

Do I have to pay an excess?

Yes. The excess you pay depends on the type and value of the claim.
Claim amount is under £1,500 = excess of £50
Claim amount is £1,500 to £2,999 = excess of £100
Claim amount is £3,000 to £4,999 = excess of £150
Claim amount is over £5,000 = excess of £200

For all public liability claims, you must pay the first £500 of each claim arising from damage to third party property.