Bike insurance for events

If you love getting out on your bike, sooner or later you’ll think about entering a race, charity event or sportive. It’s in a cyclist’s DNA.

You can’t beat the thrill of competing in an organised event – whether you ride to win or just enjoy the challenge. So, make sure you don’t end up out of pocket if your bike is damaged or stolen.

If you’ve insured your bike under your home contents insurance, it’s unlikely to stretch to races and organised rides – even charity rides. Extend your bicycle insurance policy to cover a one-off event, or add Race and Event Cover to your policy to cover:

Please note: Professional cyclists are not eligible for Direct Line Cycling Insurance.

It takes a fellow rider to understand just how important your wheels are. That's why many of the Cycling Insurance team love to get outside on their bikes, too.

They’ll also aim to resolve your claim within one working day. Nobody likes waiting, so once they’ve got all the information they need, they’ll get you back on your bike as soon as possible.

You can get cover for the following, as standard:

• Accidental or malicious damage
  If something happens while you're out cycling, your bike will either be repaired, or the damaged parts will be replaced.
• Theft (from your home or away)
  As long as you've secured your bike with an approved lock and followed the required security measures, your bike will be covered against theft.
• Theft from a roof rack or trailer
  Provided it hasn't been left unsecured or unattended (see approved locks for more information).
• Reimbursement for cycle hire and transport costs
  If your bike's out of action, you'll need some wheels to get around on - especially if you're training for an event. That's why you'll get up to £500 to hire a suitable replacement, or to cover your transport costs while your bike is being repaired or replaced.
• Onward travel
  If your bike's stolen or you've had an accident and can't cycle, you'll be reimbursed the cost of your taxi fare to get yourself and your bike home, to the nearest station or bike repair shop – whichever is closest.
• Roof rack and transit cover
  Your bike is covered for any damage caused while you're transporting it securely.
• Multi-Bike Discount
  If you've got another bike worth over £250 to insure, save money by adding it to the same policy. The more bikes you insure, the more you'll save, with 10% off your second bike and 15% off three or more bikes. The most valuable bike will be counted as the first bike on your policy, so discounts will apply to each bike thereafter. Excludes optional extras.
• New for old replacement
  If you need to claim for a total loss of your bike due to theft or irreparable damage, we'll replace your bicycle with a comparable make/model up to your benefit limit, if you bought it new. If your bicycle is second-hand or discontinued, we'll reimburse you for it's current market value, subject to depreciation.
• Your cycling kit
  You'll get up to £250 cover for your cycling kit, which includes accessories, clothing, helmets, GPS, additional wheelsets and your bike box. Please note, this cover is only valid as part of a larger claim for damage or theft of your bicycle. So, if your helmet is stolen from your bag, it's not covered. If it's damaged in an accident which also damaged your bike, it will be covered.
• Cycling gear worth over £250
  If your kit is worth more than £250, just let us know how much it's worth when you get a quote, and we'll include the extra cover in your premium. We can insure your cycling accessories up to the value of £5,000.