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bicycle insurance

Bicycle Insurance

Being a cyclist I don’t need to make you aware of the cost of bikes nowadays! You don’t want to risk anything happening to your pride and joy. Read on to find out more about bicycle insurance and to make sure you have adequate cover.

Why do I need Bicycle Insurance?

It is essential to purchase stand-alone bicycle insurance due to the cost of bikes being so expensive. Gone are the days of the bike being included within house insurance policies even as a named item. Unless paying out a huge amount of money! This cover can also have many exceptions so stand-alone insurance can give you much more cover. 

What to look out for with Bicycle Insurance

I would advise you to write down what you need the policy to cover before you start looking at various companies. This will make it easier for comparison and also ensure you are only paying for what you need.

Some things to consider below

  • Do I race competitively
  • Do I travel abroad with my bike, EU or beyond
  • How long am I out of the country for
  • Value of bike and all accessories
  • How long do I need cover for

Travel Insurance

The aim of travel insurance is to cover the cost of the unforeseen, such as illness and injury or theft of your personal possessions while you’re on holiday. It’s also designed to cover you if you have to cancel your trip before you go, or if you need to return early due to an emergency.

As soon as you have booked any travel arrangements such as flights, accommodation or package holiday then you want to make sure you also purchase travel insurance to cover any non-coronavirus cancellations or pre-trip illness.

Often standard travel insurance policies exclude cycling if it’s the main purpose of your trip. Always check the small print!

Going abroad with your Bike

When travelling abroad with your bike then you need to make sure it is fully covered in the policy that you have. Check all the small print for any exceptions. Getting specific cycle travel insurance can give you added benefits such as cycle hire and race cancellation cover.

Some things to look out for are as follows

  • Length of trip
  • Location (EU or worldwide)
  • individual or Couple/Family
  • Do I travel abroad to race

Having travelled a great deal with my bike I used to find it quite stressful thinking about what I needed to remember/pack ahead of my trip so have put together this simple guide with everything you need to know ahead of travelling abroad with or without your bike on a cycling trip.

Download your FREE copy here


My recommendations for Bicycle Insurance?

I can highly recommend either Yellow Jersey or Pedal Cover. I spent quite a bit of time looking at them all and their cover is the most comprehensive in my opinion. Just to make it clear I am an affiliate however I did use them first as they were my number 1 choice. 

I have both bike and travel insurance with Yellow Jersey. I prefer to use one company in case of a claim then there can be no argument as to who is responsible for the payout.

Yellow Jersey does both bike and travel insurance and covers everything that a cyclist would want! I particularly like having both policies with the same company. This can save any “arguments” as to who is responsible for the claim.

Pedal Cover is also a great option to get household and bike insurance together. If you live in a good area then this can be much cheaper! (note you are limited to only being away for 60days in one go).

Save money on your Bicycle Insurance

Team Ride Harder members and all customers can get a 10% discount from both YellowJersey and PedalCover. Get in touch for your discount code

Don’t delay and get your bike insurance today! 

James Walsgrove

My cycling career started in 2005 when I purchased my first road bike and I was immediately hooked. Since then I have completed numerous cycling challenges including Ironman, Lands’ End to John O Groats, Mt Ventoux (all 3 ascents), London to Paris, the BBAR challenge which included a 12hour TimeTrial and more recently the Mallorca 312.

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