Cargo Bike Insurance

Cargo bikes don’t come cheap. And if you use yours a lot, you might struggle if it was stolen or damaged in an accident.

Getting insurance for your cargo bike will give you peace of mind that if the worst does happen, you’re covered.

Direct line cycling insurance will cover your cargo bike for:

• Accidental or malicious damage
  If something happens while you’re out cycling, you’ll either get your cargo bike repaired, or the damaged parts replaced.
• Theft (from your home or away)
  As long as you’ve secured your cargo bike with an approved lock and followed the required security measures, it’s covered against theft.
• Theft from a trailer
  Provided your bike hasn’t been left unsecured or unattended (see approved locks for more information).
• Transit cover
  Your cargo bike is covered for damage while being transported securely.
• Reimbursement for cycle hire and transport costs
  If you use your cargo bike for school runs or the weekly shop, not any bicycle will do. You’ll get up to £500 to hire a suitable replacement or cover for your transport costs until your own bike is repaired or replaced.
• Multi-bike discount
  

  Got another bike worth over £250? You can add it to your policy and get a 10% discount (saving applied to the lower value bike). It can be your partner’s bike, a sibling’s, or your child’s – if they live at the same address, you can insure all your family’s bikes.

• Reimbursement for taxi hire
  

  If you have an accident miles away from home, you'll be reimbursed for the cost of your taxi fare to get yourself home, or to the nearest station – whichever is closest.

• New for old replacement
  

  If you need to claim for a total loss of your cargo bike due to theft or irreparable damage, it will be replaced at the full market value, if you bought it new. If your cargo bike is second-hand or discontinued, you’ll be reimbursed for its current market value, subject to depreciation.

• Cargo bike accessories
  

  You’ll get up to £250 cover for your cycling gear, including accessories, clothing, helmets, GPS or other tracking devices and additional wheelsets.

  Please note, this cover is only valid as part of a larger claim for damage or theft of your bike. So, if your GPS is stolen off your bike while you’re grabbing a coffee, it’s not covered. If it’s broken in an accident which also damaged your bike, it will be covered.

• Cycling gear worth over £250
  

  If your cycling accessories are worth more than £250, just tell us their value on your application and the cost of the extra cover will be included in your premium.

If you’ve added your cargo bike to your home contents insurance, it should be covered while stored at home. However, it’s worth checking your policy to find out whether it’s covered while you’re out and about. Does it cover you for:

• Accidental damage while you’re out riding
• Loss or theft away from your home, including your electric cargo bike battery
• Malicious damage
• Taking your cargo bike abroad
• Replacement cargo bike hire
• Taxi fare reimbursement
• Cycling accessories, including personal gear and additional wheel sets

Taking out cargo bike insurance means your claim will be handled quickly by a skilled cycling insurance team that understands how important your cargo bike is to you.

Just what you need to help you get back on the road.

It’s not just your wheels that matter, make sure you’re covered for accidents and injury to yourself or your family, while they’re out riding with you. By adding Cyclist Cover to your policy, you could get cover for:

• Public liability cover as standard
• Optional personal injury cover
• Optional emergency medical cover, including dental care, optical care and physiotherapy
• Theft or accidental damage of your cargo bike
• Theft or damage to your cycling gear