Bicycle insurance

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Get cover you can rely on if your bike is stolen, damaged or vandalised

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Our partner i-Wonder gives quotes for standard, electric and hybrid bikes

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Tailor your policy with optional add-ons such as personal accident cover

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Do I need bicycle insurance?

No, you don’t legally need bicycle insurance in the UK – but if your bike is stolen or damaged, insurance could help cover the cost of repairing or replacing it. This could be particularly worth considering if you rely on your bike to get to work, university or college.

We’ve partnered with comparison service i-Wonder to help you compare bicycle insurance from its panel of lenders.

Did you know? 

While bike thefts are falling, police still recorded more than 56,000 in England and Wales in the year to March 2026. If your bike is stolen, insurance could help cover the cost of replacing it, so you can get back on the road sooner.

How much is bicycle insurance?

Based on our data, it could cost you around

£61²

a year for bicycle insurance

The cost of your bicycle insurance premium can depend on a few factors, including:

Your bike’s value
The type of bike you have
Where you live
Where you keep your bike overnight
Any modifications you’ve made to your bike.

Your home insurance can be tailored to give you the bicycle cover you need, as can specialist bicycle insurance. It’s important to compare both home and bicycle insurance quotes to get the right cover for your needs.

²51% of our customers were quoted less than £61 for their bicycle insurance in July - September 2026.

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Why compare bicycle insurance with i-Wonder?

Our partner i-Wonder is a leading price comparison technology expert for specialist products such as bike insurance, and is regulated by the Financial Conduct Authority.

Using i-Wonder means you can:

Compare a wide range of policies

Compare standalone bicycle insurance policies quickly and easily.

Compare different providers

Get quotes from 12 bicycle insurance providers³.

Compare optional extras

You can tailor your quotes to include optional extras such as personal accident, legal expenses, replacement bike hire and public liability cover.

What does cycle insurance cover?

Cycle insurance could help cover the cost if your bike is stolen, damaged or goes missing.

Standard bicycle insurance typically covers:

Theft

You’ll be reimbursed if your bike is stolen or goes missing

Accidental damage

Covers the cost of repairs or a replacement if your bike is damaged in an accident

New for old replacement

Covers bikes bought as new. If your bike is stolen or damaged beyond repair, new for old cover could replace it with a brand-new equivalent

Market value replacement

Covers bikes bought second-hand. It covers the replacement cost based on the current market value

Bicycle insurance typically doesn’t cover:

Wear and tear

This includes worn tyres, chains, scratches, dents, rust and other damage caused by regular use

Poor security

Claims may be rejected if your bike was stolen while unlocked, not properly secured, or left away from your insured location for more than 24 hours

Excluded use

You may not be covered if you use your bike for business, such as courier work, unless you have suitable cover

Deliberate or unlawful incidents

You're unlikely to be covered if your bike is deliberately damaged by you or someone known to you, or if the incident happened while you were under the influence of drugs or alcohol

Bicycle insurance policies vary between providers. Read the policy documents carefully to check what is and isn’t covered.

What add-ons are available with UK bicycle insurance?

You can usually tailor your bike insurance policy to include optional extras or extended cover for an additional cost.

Public liability and legal expenses

Covers the cost of claims made against you if you accidentally injure someone or damage property while riding.

Helmets and other accessories

Protects temporary or fitted accessories, including helmets, locks and lights, against damage or theft.

Replacement cycle hire

If you need a replacement bike while you’re waiting for yours to be repaired or replaced.

Personal accident cover

If you seriously injure yourself while cycling.

Family and multi-bike

Get a discount if you insure more than one bicycle on your policy.

European and worldwide travel

Cover for international cycling adventures. There may be limits on how many days you’re covered for.

Competitive use

For taking part in cycle race events or competitions.

Loss of earnings

Covers you if you’re injured while cycling and unable to work.

Bicycle breakdown cover

If you get a puncture, broken pedal or other mechanical issue on the road.

What types of bikes are covered by cycling insurance?

You can cover most types of bike with bicycle insurance, including:

Mountain bikes
Road bikes
Electric bikes
BMX bikes
Hybrid bikes
Folding bikes
Commuter bikes.

Is my bike covered by my home insurance?

Home insurance can cover your bike when it’s stored at home or when you’re out and about.

Contents insurance

Most contents insurance policies will cover your bike if it’s stolen or damaged within the boundaries of your home. But you’ll need to check your policy to see if it offers the cover you need.

If your bike is worth more than £350, you’ll usually need to list it separately on your contents insurance to ensure it’s covered.

Personal possessions insurance

Personal possessions insurance can be added to your contents insurance for an additional cost. It covers your belongings when you’re out and about, including bicycles as long as they’re not used for racing.

But check what you’re covered for. It’s unlikely that an insurance provider will pay out if your bike is stolen and it wasn’t locked to a permanently fixed post in a public place or communal area.

It costs up to £54 to add personal possessions cover to combined buildings and contents insurance⁴.

What’s the difference between specialist cycle insurance and home insurance?

Your home insurance may already offer some cover for your bike, but specialist bicycle insurance can provide additional protection. Here’s how the two compare:

What to consider	Home insurance	Specialist bicycle insurance
At home	Your contents insurance may cover your bike if it’s stolen or damaged at home	Covers your bike against things such as theft and accidental damage
Away from home	You may need to add personal possessions cover	Can cover your bike when you’re out and about
Higher-value bikes	You may need to list your bike separately, and cover limits can apply	Could be worth considering if you have a higher-value bike or one with modifications
Racing and competitions	Your bike is unlikely to be covered while you’re racing	You may be able to add cover for races and competitions
Extra cover	Check your policy to see what protection you already have	You can often add extras, such as personal accident, replacement cycle hire or breakdown cover
Could suit you if…	Your existing home insurance policy already gives you the bike cover you need	You want more specialised or substantial cover for your bike

Which type of cover is right for you?

Check your home insurance to see how much your bike is covered for, whether you’re covered away from home and if you need to list your bike separately.

If you have a higher-value bike or want extra protection while you’re cycling, specialist bicycle insurance could be a good option. Depending on the policy, you can add cover for things like competitions, replacement cycle hire and breakdowns.

Whichever option you choose, check what’s covered, what isn’t and how much you’d need to pay towards a claim.

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How can I protect my bike from thieves?

Bike theft can be a real nightmare. Here are five tips that could reduce the chance of it happening to you:

Double lock it

Using two locks hampers thieves and makes your bike less of a target. Invest in two different high-quality, approved bicycle locks, at least one of which is a ‘Sold Secure’ rated lock.

Park it in a safe space

When you’re out and about, secure your bicycle in an area that’s well-lit, relatively busy and monitored by CCTV. Avoid quiet, secluded areas.

Register your bike

You can register your bicycle for free in just a few minutes on BikeRegister - the National Cycle Database. Many thieves are deterred by this visible marking. It also makes it easier for the police to find your bike if it’s stolen.

Secure it to an immovable object

When leaving your bike unattended, secure it to something sturdy like a bike stand, rack or lamppost. Make sure you secure the frame and both wheels. Some thieves will steal the frame and leave the wheels behind.

Store it securely at home

Take as much care to lock your bike securely at home as you would in a public place, especially if it’s kept in a shed or garage.

What should I look for with bicycle insurance?

When you compare cycle insurance, there are several things to check:

Whether your bike is already covered

You may find that your bike is already covered by your home insurance. If so, check the terms of your policy to see if you need to declare your bike separately and for any conditions you may need to meet.

Where it’s covered

You’ll want your policy to cover you when you’re out and about, not just when your bike is at home in your shed. You might also want cover for leaving it somewhere overnight. If you’re into cycle touring, check whether the cover extends to other countries.

When it’s covered

You’re not likely to be covered for a bike that’s damaged while competing in a race. If you’re a competitive cyclist, you can get specialist bicycle insurance to cover you.

What it’s covered against

For example, theft, vandalism and accidental damage. If you need extra protection, look for policy add-ons or take out a specialist bicycle insurance policy.

How much it’s covered for

If you have an expensive bike or one with lots of modifications, check to see if your policy has a limit on the amount it will pay out. It might make sense to arrange specialist cycle insurance.

What security is expected of you

If you don’t secure your bike, it’s unlikely your insurance will pay out. Most insurance providers will insist you use a robust, approved lock to secure your bike to an immovable object.

What you’ll receive if you make a claim

Check whether you have like-for-like cover or whether you’ll need to pay towards the cost of an equivalent replacement.

Some insurance providers pay out less the older the bike is. Other insurance providers will arrange for your bike to be replaced, while others will give you money to spend as you wish.

What your policy excess is

Check the excess on your insurance. That’s the amount you have to pay towards any claim you make.

What our expert says...

“Unlike home insurance, which may have restrictions on theft away from home or require specific security measures, a dedicated bicycle policy often provides broader protection, including cycle hire and breakdown cover. To get the right cover, compare policies carefully to ensure your bike is fully covered wherever you ride.”

Helen Phipps, Insurance expert

What do I need to get a bicycle insurance quote?

You can get a quote for your bicycle in minutes. You’ll just need to give us a few details.

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Details about your bike

Including the type, make, value and when you bought it

Security information

Where you store the bike and if it will be locked when left unattended

Personal details

Including your name, how old you are and where you live

Policy requirements

Will you need cover for commuting, personal accident or replacement bike hire, for example?

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Bicycle cover explained

Explore bicycle insurance cover, from theft and accidental damage to accessories and breakdowns

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What’s covered by home insurance?

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FAQs

Will my bike be replaced if I make a claim on my bicycle insurance?

Whether your bike is replaced or the claim is paid in cash varies between insurance providers. Check your policy’s terms and conditions.

If it’s possible for the bicycle to be repaired, some insurance providers will make the necessary arrangements.

Do I need special insurance for an electric bike (e-bike)?

Your e-bike can be included in your home insurance policy. But if you want more comprehensive cover, consider a specialist bicycle insurance policy.

You’re not legally obliged to insure your e-bike as long as it has a maximum power output of 250 watts, doesn’t exceed 15.5mph and has pedals.

Can I insure my bike for business use?

Yes, there are policies available that will cover your bike if you use it for work. Just remember to select this cover option when getting a quote. In some cases, you may need to add commercial cover as an additional extra.

Will kids and young riders be insured?

Specialist bicycle insurance typically only covers riders over the age of 16.

Family bikes should be covered by your home contents insurance against theft or malicious damage. But this cover only applies to when they’re stored at your property.

Why might my bicycle claim not be paid?

There are several reasons that could cause a claim to be rejected. These include:

Not adequately securing your bike
Not using approved bicycle locks
Not providing proof of ownership
Using the bike for monetary gain, such as deliveries, without appropriate cover
Any incidents that happen while under the influence of drugs or alcohol.

How do I work out the value of my bike?

For insurance purposes, you should always state the bike’s full value when new, even if you bought it second-hand. Don’t take depreciation into account.

Include any upgrades or modifications you’ve made to your bike. If in doubt, it’s better to overestimate than underestimate the value of your bike.

Alternatively, try an online valuation tool to find out how much your bike is worth.

Can I have car and bike insurance in one policy?

Not usually. Bicycles are normally covered under a home insurance policy. Cars are covered by car insurance.

How can I get cheap bike insurance?

Some insurance providers will offer discounts for referring friends or insuring multiple bikes. But the best way to get cheap bike insurance is to shop around and compare quotes from different providers.

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Reviewed 14 Oct 2026 byAmy RoothamInsurance expert

Amy helps make comparing insurance simpler and clearer. Thanks to more than four years’ experience at Compare the Market, she understands what people look for, working closely with insurance providers to offer you deals and services that are fair, easy to understand and right for your needs.

Methodology

¹Based on the % of respondents claiming they have used Compare the Market in the last 12 months vs. other leading PCWs. Source: Savanta BrandVue Financial Services, National Representative Survey of 12,221 respondents (September 2026)

³Correct as of October 2026.

⁴Based on 51% of customers who compared quotes for this type of policy, with and without the add on, in June 2026.