Bicycle insurance

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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 (excluding accidental damage cover), 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 (including accidental damage cover), 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 (including accidental damage cover), 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. 

Don't forget to let us know about any electronic gadgets worth more than £350 and any high risk items worth more than £1,500 you have too.

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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Satisfied customers

This is the first time I have only required contents only, Homeprotect policy allowed me to narrow down the specific cover I required and also included emergency cover and legal cover for extra peace of mind. Trustpilot, 2 Jun 2022
Being in a situation where we needed to insure contents of a house owned by our late son, he passed away 8 December 2021, until it could be sold we encountered a very understanding and helpful representative of Home Protect who talked us through all the queries we had. She even took time to check the legality of our status as it was different to her earlier experiences. Would definitely recommend your company to friends. Reviews.co.uk, April 2022
Totally professional and willing to assist in getting the best price without compromising the policy. Fantastic Trustpilot, 2 Jun 2022