What is specialist cycling insurance?
If cycling is your passion, you’ll want a decent bike, good quality accessories and maybe even a GPS device to get the best from your ride.
If your bike is worth over £250, you should consider getting cycling insurance so you're covered if your bike or cycling gear is damaged or stolen, or if you have an accident while out riding.
Depending on the type of cover you choose, you can get insured for:
- Theft of your bike
- Personal injury while out riding or taking part in a cycling event or sportive
- Public liability
- Taking your bike abroad, including bike box protection
- Reimbursement for travel or cycle hire if you have an accident and need to get home
- Accidental damage to your bike
- Emergency medical cover, including dental care, optical care and physiotherapy
- Theft or damage to your cycling accessories
- If you can't take part in an event due to a cycling injury, we'll cover your entry fees
Who needs cycling insurance?
Here’s a clue – it’s not just for lycra lovers!
Commuters and casual riders
Whether you ride to work or enjoy a weekend off-roading, our standard cover will give you peace of mind on UK roads.
Cover for you as you explore longer routes, go on a cycling holiday or hit the mountain bike and gravel trails.
If you regularly enter sportives, take your bike abroad and invest in the latest cycling tech, we’ve got you covered.
Insurance cover for cyclists
You can take out Cyclist Cover even if you don't insure your bike through us. For £1.25 a month, you'll get up to £2,000,000 public liability cover if someone makes a claim against you for damage or injury caused while out cycling. And for an extra £1.25 a month, you can get help with your medical bills, physiotherapy, dental and optical care if you’re injured in a cycling accident.
From folding bikes to tandem bikes, and everything in between, we’ll cover all your cycling adventures at home and abroad – whether you’re commuting through the city streets or racing up the mountains.
Dedicated insurance that covers your e-bike for theft or accidental damage.
Cover against theft or damage so you can get back on the road as quickly as possible.
Get your MTB insured so you can enjoy peace of mind every time you jump on your bike.
Why choose Direct Line Cycling Insurance?
It takes a fellow rider to understand just how important your wheels are. That's why the team behind Direct Line Cycling Insurance has specialist knowledge and a passion for two wheels. You'll find them out most weekends, exploring new routes, fine-tuning their gears and testing out new kit. They get it, they really do.
This straight-forward cover means you'll only pay for what you need, and nothing more.
- Claim resolution within 24 hours
Once we have all the information we need from you, we’ll aim to process your claim and give you an answer within one working day.
- No hidden charges
If you need to make a change to your policy, you won't be charged an administration fee.
- Onward travel
If you have an accident and can't cycle home, you'll be reimbursed for the cost of your taxi fare to get yourself and your bike home, to the nearest station or bike repair shop – whichever is closest.
- Flexible cover
Cover for you or your bike, or both: at home or abroad, commuting or racing. You’ll only pay for what you need.
- More choice
Once your claim is approved, you can choose a replacement from an extensive list of specialist service providers across the UK, or you'll get the cash.
Cover limits apply. Delivery mainland UK only.
Which cover is right for you?
Cyclist CoverSpecialist cover for you, while you’re out riding your bike.
Bicycle CoverCover your bike from theft or damage, whether you’re riding it or not.
Bicycle & Cyclist CoverCover for you and your bike.
|Public liability cover||Optional|
|Race & Event Cover||Optional||Optional|
|Emergency medical cover||Optional||Optional||Optional|
Got more than one bike to insure?
Save money by adding all your bikes to the same policy. They don’t all have to belong to you, either. As long as the bikes are owned by an immediate family member (your partner, child or parent) and they live at your home address, you’ll get:
- 10% discount on the second bike
- 15% discount on the third bike
The most valuable bike will be counted as the first bike on your policy, so discounts will apply to each bike thereafter. All bikes must be worth over £250.Get a quote
Need more help?
Got a question?
The cycling insurance team is here to help.
- Mon - Fri 8am - 6pm
- Sat Closed
- Sun Closed
Please note, we're closed on bank holidays.
Frequently asked questions
After the first year; the bicycle reduces in value by 20% of the recommended retail price.
After the second year; the bicycle reduces in value by a further 10%.
Each year thereafter (of part thereof); the bicycle reduces by a further 5% per year
- Bikes insured for less than £1,000 – a Sold Secure Silver rated lock.
- Bikes insured for £1,000 or more – a Sold Secure Gold rated lock.
For more information, check out the Sold Secure website.
Whether it’s for a leisurely family ride by the seaside, or a sweaty Sunday sprint, getting bicycles from A to B often calls for more than just pedal power.
Even a basic bicycle for travelling between work and home can be expensive, so it's no surprise that bikes are a popular target for thieves.