Bicycle insurance

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insure my bike

Bicycle theft is a big problem that could leave you financially stranded if you're a cyclist. The risk of theft is common to all types and makes of push bikes regardless of how much they are worth. According to cyclist.co.uk, more than 1,000 bikes are stolen every day across the UK, which is equal to approximately one bike stolen every 90 seconds!

So whether you use a pedal cycle to commute to work or have a custom-made road bike, we can help you protect your wheels comprehensively.

Preventing bicycle theft is key

Take steps to reduce the risk of bicycle theft. Firstly, register your bicycle on BikeRegister.com; this website is used by the Police across the UK and is used to reunite owners with their stolen bicycles.

Secondly, secure your bike in a well-lit area with two high quality locks. Using two different types of lock makes it harder to break. When securing your bicycle, lock both wheels and the frame to a solid object such as a bike stand and remove all riding accessories. You might also consider investing in a tracker device, or marking each part of your bike with a UV pen.

Lastly, even if you keep your bicycle in a garage or shed overnight, lock it to something heavy and immovable. If a thief has noticed you storing your bike away then it needs to be as difficult as possible for them to get into the garage and make off with it.

Get the right level of cover to suit your situation

The cost of repairing or replacing a pedal cycle that is stolen or damaged at your home can be significant. You will need to specify all your bicycles individually when you buy your policy to be covered on a new for old basis whilst the bike is kept at the house.

Similarly, if you regularly use your bicycle away from the home then make sure you specify it on your policy. This provides you with cover for theft or attempted theft and accidental damage when outside the home, such as leaving your bike at a train station. Public liability insurance is included, in case of an accident involving a pedestrian or another road user.

Here’s an illustration of the different cover levels available with the HomeProtect policy for your bicycle:

Not specified individually on the policy

  • Covered when stored in the home or in an attached garage: Yes, on a new for old basis for bikes worth under £350.
  • Covered when stored in detached garage/outbuilding: No.
  • Covered UK wide for theft and damage: No.

Specified individually, but cover away from the home not selected

  • Covered when stored in the home or in an attached garage: Yes, on a new for old basis.
  • Covered when stored in detached garage/outbuilding: No.
  • Covered UK wide for theft and damage: No.

Specified individually, with cover away from the home selected

  • Covered when stored in the home or in an attached garage: Yes, on a new for old basis.
  • Covered when stored in detached garage/outbuilding: Yes, and you won't need to pay an excess if you need to claim.
  • Covered UK wide for theft and damage: Yes, and you won't need to pay an excess if you need to claim.

Cover all the pedal cycles in the home

There’s no limit to the number of bicycles you can insure under your HomeProtect home insurance policy. We just need to know the make, model and cost to replace each one as new. 

Frequently asked questions

Can I just insure my bike with HomeProtect?

No, sorry, we only offer insurance cover for bicycles as part of a home contents insurance policy.

Are unicycles and tricycles covered?

HomeProtect bicycle insurance covers all pedal cycles in the same way, however many wheels they have.

What about tandem bicycles and children’s balance bikes?

Tandem bicycles are covered in the same way as ordinary bicycles because they’re pedal cycles. Children’s balance bikes are not pedal cycles so are classified as general household items in HomeProtect contents insurance policies.

Do you cover child trailers, cargo trailers and other bike accessories such as locks and lights?

HomeProtect bicycle insurance includes cover for accessories – including trailers – attached to the bike up to a maximum amount per claim, including locks, lights, and water bottles, if the bike itself is stolen at the same time. Remember that you need to specify a bicycle on your policy for it to be covered outside the home or if worth more than a certain amount. Check the current level in our policy booklet.

Are electric bicycles covered?

Electric bicycles are covered in the same way as ordinary bicycles provided they can be pedalled.

Does my bike have to be locked to something to be covered for theft outside my home?

Bicycles are only covered away from home for theft if you have selected this cover, in which case they must also be locked to something or stored in a locked building.


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They had the best deal on all of our criteria, inc extra bicycles. It was straight forward, thorough and a great deal.


Satisfied customers

Superb service that informed me throughout the process of application. I had thought getting contents insurance would be difficult for me but HomeProtect came to the rescue. Trustpilot, 14 July 2017
Very quick to arrange when my previous insurer told me they did not insure houses where I had moved to!!! Easy to follow application and helped me out of a spot. Trustpilot, 29 August 2017
We've insured our home with HomeProtect for 5 years now and have been consistently impressed by the service. This year we needed to change some details which was a very straightforward process and we revived our updated paperwork promptly. I'd highly recommend this company! Trustpilot, 16 February 2017