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Bicycle Insurance

Bicycle Insurance

Great-value insurance from £2.19 per month*

A quality bike can be a big investment – whether you use it for nipping through rush hour traffic, going out with the family or touring through the European mountains. Keep cycling with Bicycle Insurance that covers: 

  • Road bikes, racing bikes, mountain bikes, electric bikes and more
  • Theft, accidental damage and vandalism
  • Cycling in the EU for up to 90 days per year (30 days per trip)**

*For bikes up to the value of £249 – premiums vary based on customers' locations
**For an additional premium

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We have sold over

1,000,000

policies in the UK and US combined

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Important Information



Contact us

Sales Number
020 8045 7433

Customer Service and Claims
0844 346 3971 Help

Email our Bicycle Insurance Team

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Multi-Bike Discount  Theft 

Bike theft is an all-too-common occurrence. If your bike is stolen, you're covered for its replacement, or for the cost of replacing it.

Flexible PaymentsAccidental damage

Don't worry – if you crash, you're covered. And if your parts are damaged along with the frame, they can be repaired or replaced, too.


New For Old Replacement  New replacements

Upgrade! Your stolen bike can be replaced with a new model if it’s 3 years old or newer.


Low Excess Custom cycles

Was your bike made just for you? No problem. Just factor in custom parts when entering your bike's value and hold on to your receipts.


European Cover Available Multiple bikes 

Have different cycles for different uses? Save 10% off your total price when you insure two bikes, and 15% when you insure three or more.


Family Member Cover Cycling in the EU

For an additional premium, cover is available for up to 90 days per year (30 days for any one trip) anywhere in the European Union.

Read more about Bicycle Insurance

When it comes to your bike, home insurance may not be good enough

Protect Your Bubble Bicycle Insurance is specifically designed for the cycling lifestyle.

Your home insurance will cover your bicycle if it's inside your property or locked shed or a garage, but it is unlikely that your bike will be covered when you are out and about. If you do choose to add bicycle cover to your home insurance, there will usually be an additional charge for cover outside of your home, and your monthly premiums could increase. There are also limitations and exclusions on this type of cover, and they vary significantly among different insurers and policies.

With Bicycle Insurance from Protect Your Bubble, you're covered when your bike is at home and out on the road.

So how much should you insure your bike for?

It’s so easy to buy Protect Your Bubble Bicycle Insurance online. Just a few clicks and you’ll be covered instantly.

But how much should you insure your bicycle for? Think about how you use it – you'll want to include the value of any extras you've attached to it, like locks, mud guards, bottles, mirrors, etc. to give you a total price. 

For example:

  • If you use your bike for commuting and have an expensive cycle bag attached
  • If you regularly take your children on the back of your bike and you have a child seat
  • If you’ve built your bike up from scratch and have lots of nice parts, like brakes and tyres

Always keep receipts to show how much your bicycle cost you and how much any additional extras and parts cost too, as your insurer will ask you for evidence in the event that you need to make a claim.

What happens if you under-insure?

It may seem cheaper to insure your bike for less than what you paid for it. Even though your premiums will be lower at the start, if you ever need to make a claim you'll find yourself getting less than you expected when you try to get your bike repaired or replaced. 

Insuring your bike for its full value means you'll be more likely to get replacements or repairs that  are as close to your original bike as possible.

Get insured and get cycling – safe in the knowledge that your bike is protected.

Ready to get protected?


Claims for bicycles more than three years old are subject to a 10% deduction for depreciation each year, and there is no liability cover included – see our Key Exclusions and Conditions for more information. For cover to apply, you must comply with our specific Security Requirements.

This insurance is arranged and sold by Protect Your Bubble, which is a trading name of Assurant Direct Limited, and underwritten and administered by Assurant General Insurance Limited. Assurant General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202735. Assurant Direct Limited is an appointed representative of Lifestyle Services Group Limited. Lifestyle Services Group Limited is authorised and regulated by the Financial Conduct Authority under registration number 315245. You can check these registrations on the Financial Services Register at http://www.fca.org.uk/ or by calling 0800 111 6768.