Why home insurance may not be good enough

Get a quote

Share

Does my home insurance cover my bicycle?

Research shows that over the last eight years more than two thirds of bikes stolen have been from in or around the victim’s home. What the research doesn’t show is that bicycles are also taken from outside shops, schools, train stations, roof racks, city centres and places of work.

Your home insurance will cover your bicycle if it is inside your property or secured in inclusive outbuildings such as a 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 the home and your monthly premiums could increase. In addition to this, be prepared to consider your no claims bonus, because if you had to make a claim for a stolen or damaged bicycle, it could affect your no claims discount and increase the cost of your household insurance for the following year. There are also limitations and exclusions on this type of coverage and these vary significantly among different insurers and household contents insurance policies, so you may want to consider a specialist bicycle insurance provider instead.

Specialist bicycle insurance cover

Protect your bubble Bicycle Insurance, is specifically designed for the cycling lifestyle. It starts at just £1.99 per month and covers you when your bike is at home and when you are out on the road.

This comprehensive cover protects your bike from theft and accidental damage as well as looking after the rider too, with personal accident and public liability cover to protect you if you were to have an accident or to cause injury to someone else whilst on your bicycle.

You can choose from Everyday cover for bikers who regularly travel for pleasure or commuting or Adventure cover for serious cyclists who want to benefit from access to a 24 hour roadside rescue network and personal accident cover. You can also buy your bicycle insurance in a few easy steps online and choose to make one payment or spread your payments across the year for added flexibility and convenience.

Plus, why not insure more than one bicycle and enjoy a multi-bike saving of 10%!

Insure my bicycle today

Don’t forget to keep your bicycle locked at home and on-the-go

If you aren’t sitting on the saddle, then make sure your bike is locked to an immovable object. Always park your bike somewhere public and well lit. For your bicycle insurance to stay valid, your bike needs to be locked up and locked in. When your bike is at home, consider fitting a ground or wall anchor to lock your bike to – and always keep it locked up, even when it's in a locked garage.