Trusted insurance for every ride
In 2024, more than half of our new customers paid less than £7.85 per month* Read more
Bicycle insurance the way you want it
Whether you’re riding to work, hitting the trails, or simply cruising through the park with the family, bike insurance through Cycleplan is quick, simple, and could save you money.
With flexible cover to suit you in ways that standard home insurance may not; and rated ‘Excellent’ by thousands of our customers on Trustpilot, we make it easy for you to ride with confidence, and are there by your side to help protect you should the worst happen. From quick spins to epic adventures, enjoy every moment knowing we’re by your side.
Why choose Cycleplan for bike insurance?
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Your ride, your insurance
No off the rack policies here. Choose your cover so you only pay for what you need – whether commuting, exploring, or just rolling.
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Electric powered cover
Cover needn't be an uphill struggle. Give your freedom a boost by choosing cover to protect your bike adventures.
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Got a few bikes? No problem.
You can protect all your bikes on one policy. There’s a 10% premium discount available on all bikes too (excluding the bike with the highest value).
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Trusted by many, provided by specialists
Rated Excellent on Trustpilot and with insurance provided by Aviva, you can trust us to help keep you protected.
What is bicycle insurance?
Bicycle insurance protects you from the various risks associated with cycling. As a cyclist, you’ll be well aware of the sport’s countless benefits for your physical and mental health, but you’ll also know that your passion is not without its fair share of risk.
Whether you consider yourself a casual rider commuting to work on your bike every day, or a more serious, experienced cyclist who competes in races, competitions, and other events, the risks are often the same.
Accidents, injury, and theft of or damage to your bike and equipment can happen at any time and leave you off the road for a while. However, specialist bicycle insurance is designed to protect you against these risks.
Theft & accidental damage
This covers theft of your bike from your home, away from home or from a motor vehicle. Cover also includes malicious and accidental damage to your bike.
Public Liability & Personal Accident
If you accidentally injure someone or damage property while riding, you're covered for broken bones, hospitalisation, physiotherapy and more.
Electric bike types
Whether your electric bike is for commuting, off-roading or assisting a healthy lifestyle, you can choose your cover to protect your electric powered adventures.
Why consider bicycle insurance?
Regardless of how often you cycle or even the value of your bike, there are multiple reasons why you may want to consider bicycle insurance.
Let’s say you’re involved in a collision on the road, you sustain a nasty injury, and your bike is badly damaged—or your bike gets stolen from your home. Without appropriate cycling insurance, these events could leave you off the road for a while and substantially out of pocket.
Although you might assume that your standard home contents insurance will cover your bike and its accessories, this may not always be the case. In fact, many home insurers will require you to pay an additional premium to cover your bike, and even then—there’s no guarantee you’ll be covered to ride it outside of your home.
That’s why specialist bike insurance, designed with your needs in mind, could be a better option.
Top 3 need-to-know bike insurance facts
Electric bikes have grown rapidly in popularity for their convenience, sustainability, affordability and health benefits.
Your home insurance may not cover your bike outside of the home and is unlikely to cover in the case of accidents.
Your policy may be invalid if your bike is stolen and you don't have proof of owning an approved bike lock.
Who is bicycle insurance for?
Bike insurance is designed for anyone who owns a bike. Regardless of how often you ride or even how much your bike is worth (up to £30k), you can get insurance to suit your needs through Cycleplan.
Here, we understand that not everyone considers themselves a cycling pro—so that’s why you don’t have to be one to get cover. Whatever stage of your cycling journey you’re at, Cycleplan is here to help.
Cycling tips & advice
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Refer your friends and you’ll both be rewarded
If you choose to refer your friends to us, not only will we reward you with a voucher of your choice but your friends will receive an exclusive discount too!
What does bicycle insurance cover?
Bicycle insurance
- Theft and damage of your bike up to £30k, and accessories up to £1k
- Public liability up to £5m
- Personal accident – covers emergency dental, hospitalisation, physiotherapy, and more up to £50k
- Loss of earnings up to £750 per week
- Replacement bike hire up to £1k
- Competitive use – extends your normal cover when you enter a competition
- Race fees – non-refundable race fees covered up to £250
- Taxi fees – covers the cost of getting home following an accident by up to £50
- Multi trip abroad – you can select both European and Worldwide cover up to 45 days for any one trip
- Multi-bike policy
Important documents
If you already have insurance with Ripe, you’ll find your important documents for your policy in your Members area.
More detailed cover information can also be found on our Important Documents page.
How much does bicycle insurance cost?
The cost of cycling insurance can vary depending on several factors, such as how much your bike is worth, plus the level of cover you choose. In 2024, more than half of our new customers paid less than £7.85 per month*.
However, the best way to check how much your cover could cost is to get a quote online through Cycleplan.
Cycling insurance FAQs
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