Address: 1-10 Summers Street, London EC1R 5BD. results in a reader taking out a policy with that insurer. A comprehensive policy for cycling enthusiasts that covers accessories, events, breakdown, race fees and worldwide travel. Many cyclists will have to do this anyway because a British Cycling membership is required to enter most races in the UK. £5.99. Once you have a price it allows you to add various features such as five year new for old cover, competition use and personal accident cover. However, selecting the best insurance policy for your needs will depend on how you use your bike. If you’re a keen cyclist, you don’t need to be told the many benefits of your bike. £2m Public liability On the commute, club run or sportive, if you’re at fault when out riding and things go wrong, Bikmo is here for you up to the value of £2 million + defence costs too. Both Cycling UK and British Cycling will also cover damages if a cyclist … Local groups and cycling clubs View. It’s not because cyclists … Get a quote for PedalSure's policies or read a review of PedalSure's cycling cover. The first thing to consider is how long you will need your cycling holiday insurance policy to cover you for. While often providing some cover home insurance is unable to meet the specific demands of the committed cyclist. Issue 108. Being on the road during rush hour brings greater risks. Skip to content . If you injure yourself cycling abroad, our holiday insurance will cover the costs of repatriating you back to the UK. Sign up to the Cyclist newsletter here. Bought By Many Ltd is authorised and regulated A comprehensive policy for cycling enthusiasts that covers accessories, events, breakdown, race fees and worldwide travel. Here are some of the things these new companies aim to cover that other policies may not: Cyclists might think they’re aware of the dangers of being in the saddle but there are many scenarios that can cost more than expected or cause major inconvenience if not covered. Which might not be great if you want to go on a Rapha trip to the States. £9.99. Perhaps you enter competitions at the weekend, have a high value bicycle (or bicycles), need more options or wish to cover yourself as well as your bicycle? Although a number of well-known brands offer bicycle insurance some of the new companies are created for cyclists by cyclists and may also offer a better level of customer service. Making a claim on home insurance is likely to increase your premium. Liability for cyclists can come in the form of damage to the property of others or bodily injury to others. Or click on the name of the insurer in the table to get a quote. Aside from claiming through home insurance, many cyclists are also members or organisations like Cycling UK or British Cycling – who will also cover damages if a cyclist … Simply hit “GET A QUOTE” to get going. 16,873 cyclists were killed or injured in reported road accidents in 2019 [2] and more than 271,000 bikes were stolen. Here they are: In 2017 in the UK our collective mileage was up 25% over the last 15 years to over 5 billion kilometres cycled in 2013 and two million people across Britain cycle at least once a week. You can buy liability and personal accident cover without insuring your bike. There are other providers on the market you might want to consider, or have heard about and want more information on. If you have to buy a new lock make sure you keep the receipt because if it disappears along with your bike, you’ll need to prove it was secured with an approved device. Yellow Jersey, Bikmo, PedalSure and Velosure include race cover as standard. Best bicycle insurance for UK cyclists Assetsure ‘keen amateurs’ insurance. What you need to know about triathlon insurance. For example, Bikmo and Yellow Jersey do not provide public liability for the USA and Canada. Designed for all types of riding ; Covers you for many events; 92% claim approval. But PedalSure gives you an extra level of protection that would pay out if you are injured. 50% Multi-bike savings discount** 25% lower premium for electric bikes** 14 days free insurance on new bikes Simply put, a riding mishap can hurt someone else physically — or cause damage to their belongings, including cars, other bikes, signs, or anything else you might bump into with your bike.. You need to stop somewhere safe and ensure the cyclist is ok. As it’s a big part of the Theory Test, UK drivers are expected to have a basic grasp of first aid. Bike and personal accident insurance … Buy now. Click here for a full list of events included. Even if you take out bicycle insurance it’s vital that you are security conscious. The total cost of bicycles stolen from UK train stations is over £1.5m a year, according to Velosure. Its max cover for a single bike is £15,000 and the limit for total bikes is £50,000. Home insurance will often have a value limit, which could be as low as £500. You can invalidate your cover by using the wrongs locks or storing a bike incorrectly. Insurance included in Cycling UK membership for cycling clubs and cycling groups. Good for: serious cyclists, competitions and events in the UK and abroad, high-value bikes, pros, enthusiasts, holidays in Europe. That’s all we do and we know what it takes to offer the most comprehensive cover for the most competitive price. There are options for team and coach cover and no extra charge for living in a city (excluding London). Cycling Electric … Equipment cover means your bike and accessories are protected against theft and accidental damage up to £30,000. Cycling Marketing Board launched to promote and diversify cycling. Hitting a cyclist will be traumatic for everyone involved. Protect your bikes and gear against theft & damage with Laka 5-star rated cycle insurance. As well as the obvious headline financial impact related to these mishaps there are other costs that can add up. © 2021 British CyclingAll Rights Reserved. Cycling can be a leisure pursuit or a means of commuting. A Yellow Jersey policy comes with a DNA+ marking kit worth £36 and other companies provide discounts on well-known cycling brands and deals on the first year's premium. It is possible to cover certain risks using a combination of home, health and travel insurance. "Had my bicycle … Although you will need normal travel insurance when going abroad, having a cycle policy means your bike is covered and you won't have to pay for extras on your travel cover. Dedicated cycling insurers have emerged to package the relevant bits of each of those policies into one product. Issue 109. Shop around to find the best cycle insurance policy To find the right bicycle insurance policy you should consider: Ride and event organiser insurance View. As mentioned previously, a Bought By Many colleague broke his arm in a race. Shop at Wiggle Wiggle Legal. Since 1 May 2019, British Cycling bike insurance has been provided by Bikmo. This is just one of a number of cycling organisations which offer automatic insurance cover as part of the membership. At last, a reason to feel good about insurance! Home insurance may exclude events and competitions. Magazine & Gift Ideas 32 products. We have found a match between your Facebook account and British Cycling. As you might guess from the name, Yellow Jersey specialises in training and racing and will even cover fees for races you might not be able to attend after a crash. This article was written by Bought By Many. Allows you to set up cover for you first and foremost and your bikes second. Thursday 27 June 2019. Our Cycling Travel Insurance policy works just like any other travel insurance, meaning that it will protect you should you have an accident or illness abroad, lose your luggage or experience delays. looked into how insurance would have helped, Protect Your Bubble cycling insurance review, Better options and fewer restrictions for where you can store your bike, Cover for races and competitions, including triathlons, Breakdown assistance Travelling overseas with high-value bikes and cycling abroad, Cover for specific parts of the bike, such as wheels or the seat, Accessories cover - GPS, helmets, clothing, water bottles, Race fees – if you have to cancel because of illness or injury. British Cycling bike insurance by Bikmo is provided by Bikmo Limited.Bikmo Limited is authorised and regulated by the Financial Conduct Authority ref: 745230. No cyclist is legally obliged to have insurance to ride their bike and while we offer insurance through membership, we do not feel it should be compulsory for all cyclists to have insurance cover. Please try again in a few moments. We also use the combined buying power of our members to negotiate fairer and cheaper deals with insurers. Visit Cyclist.co.uk; Subscribe to Cyclist Magazine — Sign In — Close; please allow 10 working days for your order to arrive, if you have any queries please email shop@cyclist.co.uk — Sign In — Close; Magazines & Gift Ideas. Being taken out by black ice, a pothole or another racer; scratching a car on a busy road; or having an expensive bike targeted by thieves can happen to anyone. It’s almost a cheaper, tailored health insurance policy for cyclists. Most insurers should provide you with a list of locks that are accepted under their policies. Cyclist Magazine Holder. where insurers are listed, it can dictate where they appear in the list. read a review of PedalSure's cycling cover. You only need to do this once. The cost of third party cycle insurance is not expensive, typically around £30 a year, and is available from organizations like Cycling UK , British Cycling and Wiggle . You can view our cycling insurance policy options here, and choose which insurance policy is the right one for you - enter your bicycle value for a quote. The excess fee may mean it doesn’t make sense to claim on home insurance. 8 We don't ask you to specify all of your cycles individually, just tell us the current replacement cost of all of your cycles to be covered. By making it pay to pay out, we are the collective that backs each other. Over 200,000 people have used cycleinsurance.co.uk to help find their cycle insurance solution so whether you’ve just started out, or own a collection of road, mountain and e-bikes then you’ll be able to find cover to suit your needs. Plus, British Cycling members are offered 14 days free cover on new bikes, so you can focus on enjoying your first miles with total peace-of-mind. However, full cyclist insurance can cover individuals for legal expenses and provide payouts if you are injured or your bike breaks or is stolen. Making a claim with Bikmo is designed to be as painless as possible: You can see answers to more questions by visiting the British Cycling bike insurance by Bikmo support pages here. Get an instant quote for bicycle theft, personal injury and travel cover today. Many events will require you to have some form of cover before you enter. It’s particularly popular for race and event cover, offering cancellation cover of up to … Most should include leaving your bike in a triathlon transition area and sportives. Motorists are legally obliged to carry insurance, and it is from this policy that an injured cyclist will often be able to claim compensation, both for an injury and its associated costs, and the damage done to property, an important financial consideration with some bicycles now costing more than the average car. Good for: new cyclists, commuters, mountain bikers, enthusiasts, people who have home insurance that covers their bikes. Bought By Many’s resident roadie found this out after his recent crash and looked into how insurance would have helped. Select the value of your bike for an idea … Cyclists do not legally require insurance to ride on the roads in the UK, however the recent case is a salutary reminder of what can happen if you cause an accident. These schemes charge a small fee to join, however, the cover is less comprehensive than what you get from a full insurance policy. Other providers worth considering are Bikmo , PedalSure, CycleGuard, Yellow Jersey and Velosure because of their cycle breakdown feature. And they are unlikely to cover your bike while it is in the hold of a plane. The best bicycle insurance companies of 2019, 3. Although the biggest fear for many cyclists is being injured by a vehicle. Cyclist Newsletter. Insurance for bikes, e-bikes and cycling accessories At cycleGuard, we’ve been protecting cyclists and triathletes across the UK for over 20 years against theft and damage to all types of bike including mountain, folding, electric and road as well as cycling accessories inside the home, away from the home and much more. If you do not know your password, enter your username and we will send a password reset to your registered email address. It pays out for broken bones, physiotherapy and out-of-pocket expenses you might incur, such as having to get a cab to work for a few days. Most home insurance or renters insurance policies come with at least … * data from claims between 01/01/2019 and 31/12/2019. Some providers offer security freebies. * Exclusive pricing for British Cycling members. Our cyclist offers include 10% off a Bikmo policy. we will receive commission if clicking on a link to one of the named insurers Thank you for your continued patience and apologies for any inconvenience this may cause. It covers bikes worth up to £20,000 and is underwritten by Hiscox, an insurer behind many specialist UK policies. There’s a 20% initial discount. Other insurance discounted for Cycling UK members . If you're entering a race in the UK you may need a British Cycling membership, which includes up to £10m of liability cover. Buy now. Good for: races and events, teams, all-rounders - you can tailor the policy to your interests. Our mission is to transform Britain into a great cycling nation and research from nations like the Netherlands and Denmark shows that we can help to make our towns and cities safer … Exclusive pricing for British Cycling members. Good for: all-rounders, city cyclists, commuters, new cyclists. Standard travel insurance has limits on the value of individual and total items you can take with you and quality cycling equipment can easily exceed them. Still, we recommend staying upright. At Bought By Many we aim to help people understand all of the insurance options available to them and choose a policy that works for their needs. Ideal for those who have totalled up the most valuable assets in their home and found a … Get a quote. Insurance for Cyclists. We flipped insurance. This register can be checked Rated 4/5 by customers "Simple to use website, was able to get a quote in under a minute." This is when you’ll feel all the benefits at work. 2021, 1. Bicycle insurance designed for a cyclist’s needs. Our specialist cycling insurance includes Equipment cover, Public Liability and Personal Accident cover plus many other cover options. There are a growing number of companies in the market built entirely around offering insurance catered perfectly to cyclists of all types, from casual commuters to hardened racers. Insurance from Wiggle that’s built for the way you ride. We were not paid to write it but Be sure to always read the small print because there are conditions you have to meet to make a claim, for example, CycleGuard says the bicycle has to be "secured through the frame using an approved lock, to the roof or bike rack or if the vehicle is suitable, stored out of sight". for details of our permissions, history and contact details. Along with the possibility of causing damage to yourself, your bike or others, cyclists have to find somewhere safe to store their bikes. Policies come with a free DNA+ marking kit. What is cycling liability insurance and do I need it? This insurance cover would give you protection in case you injure someone, or damage property, while riding your electric bike. So for peace of mind, and to protect both you and your cycling possessions, you may want to consider insurance. Multi-insurer Assetsure covers precious items across the board, including jewellery, cameras, antiques and stamps, but also bicycles. Bike insurance is not included in your membership, and it only takes seconds to get a quote - all you need is your postcode, bike values and British Cycling membership number. With many bikes and accessories costing thousands of pounds, it’s surprising many cyclists don’t have … Tuesday, 20 November 2012 10:23. Many home insurance policies will not cover your bike if it is stolen from your car but Yellow Jersey and CycleGuard advertise in-vehicle cover. It covers bikes up to £10,000 and does not seem to price by postcode, which means it could be cheaper for some city cyclists. Family Cover. We've reviewed cover levels to find the UK's best bicycle insurance companies. Good for: all-rounders, taking a bike abroad. Without it, you could be held personally responsible if someone chooses to sue you for injury or damage. But that can be expensive and leave surprising gaps in cover, especially if you don’t have all of those policies. Updated However, it's worth noting that worldwide policies often do not offer public liability cover for certain countries. Bikmo and Yellow Jersey offer worldwide policies and both have features that payout if your bike or the box it being transported in are damaged in transit. by the Financial Conduct Authority - Register number 652623. Some of the more unexpected expenses include paying for a taxi to hospital and work, the cost of takeaway meals if you can’t cook because of a broken arm, getting a physio appointment if the NHS waiting list is too long and lost entry fees for races you can no longer enter. PedalSure is unique in that it allows you to choose cover for yourself, rather than your bike. It covers bikes up to £12,500 and provides good cover for those considering long trips abroad. *It can be especially important for commuting cyclists to have third party liability included in their bike insurance. We’ve been dedicated to cycling insurance since 2014. Menu … With third party liability insurance, you are covered for any claims made against you for damage or injury. The best insurance for different cyclists, 5. Find out why you need cycle insurance. We're experiencing some technical difficulties. That could be an injury, damage to your bike or someone else’s property. It offers cover for travel, events, accessories and has a big multi-bike discount. Join your group to Cycling UK View. From the freedom of riding along the UK’s roads to saving money on train fares and petrol, cutting down on pollution and improving your health and fitness, pedal power sure is attractive. It acts like a specialist health insurance policy for cyclists and offers payouts for physio and if you break a bone. Another way to get a limited amount of insurance is by joining organisations or charities such as British Cycling, Total Cycle Assist or CTC. The firm says its bicycle insurance is designed to cover “keen amateurs”, and pays out in the event of accidental damage and theft, with £100,000 of legal … Multi-cycle. Many home insurance policies will not cover accidental damage away from home. Cycling UK membership offers a variety of insurance and there's also packages through our trusted brokers and partners, specifically tailored for cyclists. Tuesday 30 October 2012. How long do you require cover for? Good for: all-rounders, commuters, amateur races, taking a bike on holiday. CycleSure donates 10% of the insurance premium to Cycling UK who use 100% of this to fight for local and national cycling issues. Buy now. It covers bikes worth up to £20,000 and is underwritten by Hiscox, an insurer behind many specialist UK policies. Cycling UK members are automatically covered up to £10 million by this policy, including using cycles for business use (although it does not cover those specifically employed as a cyclist, for example as a courier). Latest News. Some cyclists feel their home insurance provides enough cover for their bike – it includes public liability cover outside your home and may meet the costs of replacing a bike. Of the 1,800 or so people killed every year on the UK’s roads, between zero and two typically tend to be killed because they were hit by cyclists. [3] If you're one of those unlucky enough to find your bike damaged in a collision or stolen, bicycle insurance could prevent you having to cover the cost of repairs or replacement yourself. It insurers professionals and even covers Team Wiggins. We'll send you videos of our top cycling tips and techniques. This website uses cookies to improve your experience. Cycling accident insurance isn't always included as standard with bicycle insurance policies, so always check. CycleGuard makes a point of not charging more if you live in a city, which could be beneficial for many commuters. Covers your bikes and kit against theft, accidental damage and more. £5.99. We also charge for Our list is not based on price, although we highlight where insurers may be cheaper for some people because they don't take into account where you live. Taking your bike abroad and on cycling holidays. It will even reimburse the cost of your lost, stolen or damaged bike or sports equipment. 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