15 %
Introductory Discount
plus
5 %
Aged Related Discount
plus
5 %
Security Discount
Bicycle insurance from £1.98 per lunar month
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*Premium shown is paid lunar monthly and based on minimum insurable value including introductory discount.

Cover for your bike and you when in the saddle...

... and sometimes when you've just come off it! If you are like most people when you hear about cycling and bicycle insurance you likely just think about theft or damage, but that's just where it starts! What happens if you are involved in an accident or cause an accident? What about all your accessories, tech, trailers etc? The Insurance Emporium's bicycle insurance can provide cover for all of this and more.

For more information watch our quick video or keep reading.

Pick 'n' Mix Policies Make Insurance Simple

Our bicycle insurance policies are as custom built as a bike can be but how do they work? It's simple - our policies start with just one Standard Benefit and then you simply choose which of our Elective Benefits that you want to add. This means that you can create a personalised insurance policy and you don't have to pay for cover you don't need!

What Standard Benefits are Included?

The only Standard Benefit in our bicycle insurance policies is for Loss, Theft or Accidental Damage, the rest you get to choose.

What additional benefits can I add?

Whether you want to create a more comprehensive policy or require a budget friendly policy, our range of Elective Benefits has been designed to help you create cycling and bicycle insurance that fits your circumstances as snugly as lycra cycling shorts! In fact even our Elective Benefits have levels of cover to choose from!

You can tailor your bicycle insurance policy with the following Elective Benefits:

  • New for Old - choose up to 4 years or For Life
  • Competitive Use
  • Unattended Vehicle
  • Territorial Coverage - choose from UK, Europe or Worldwide
  • Bicycle Technology
  • Bicycle Accessories
  • Bicycle Trailers
  • Cycling Clothes
  • Replacement Hire - choose up to £500
  • Emergency Recovery (UK Only) - choose up to £500
  • Family Member Cover
  • Gadgets and Mobile Phones
  • Public Liability - choose up to £5m
  • Personal Accident - choose up to £50k
  • Dental Treatment - choose up to £500 per incident
  • Premium Waiver
  • Legal Helpline

For further details simply read on or get a free no-strings quote and find out if you could be better off insuring your bicycle with The Insurance Emporium.

Find the Right Policy For You

Our Range of Cover

Check out our easy-to-read Table of Benefits below to see which level of cover will give you the protection you need.

Table of Benefits
Standard Benefit
  • Theft, Accidental Loss or Damage i
  • 100% of Sum Insured/Market Value
Elective Benefits
  • New for Old i

  • Competitive Use i
  • Unattended Vehicle i
  • Territorial Coverage i

  • Bicycle Technology i
  • Bicycle Accessories i
  • Bicycle Trailers i
  • Cycling Clothes i
  • Replacement Hire i
  • Emergency Recovery - UK Only i
  • Family Member Cover i
  • Gadgets and Mobile Phones i
  • Public Liability i
  • Personal Accident i
  • Dental Treatment i
  • Premium Waiver i
  • Legal Helpline i
  • 4 Years
    New for Old for Life
  • EU Only - 45 days per trip
    Worldwide - 45 days per trip
  • Up to £500
  • Up to £500
  • Up to £500
  • Up to £500
  • Up to £500 per week for up to 4 weeks
  • Up to £500
  • Up to 3 family members
  • Up to £5 million
  • Up to £50,000
  • Up to £500 per incident
Table of Benefits
Standard Benefit
  • Theft, Accidental Loss or Damage i
  • 100% of Sum Insured/Market Value
Elective Benefits
  • New for Old i

  • Competitive Use i
  • Unattended Vehicle i
  • Territorial Coverage i

  • Bicycle Technology i
  • Bicycle Accessories i
  • Bicycle Trailers i
  • Cycling Clothes i
  • Replacement Hire i
  • Emergency Recovery - UK Only i
  • Family Member Cover i
  • Gadgets and Mobile Phones i
  • Public Liability i
  • Personal Accident i
  • Dental Treatment i
  • Premium Waiver i
  • Legal Helpline i
  • 4 Years
    New for Old for Life
  • EU Only - 35 days per trip
    Worldwide - 35 days per trip
  • Up to £450
  • Up to £450
  • Up to £450
  • Up to £450
  • Up to £450 per week for up to 4 weeks
  • Up to £450
  • Up to 3 family members
  • Up to £ 4.5million
  • Up to £45,000
  • Up to £450 per incident

Loss, theft or accidental damage of your bicycle.

Replacement with new if it is lost, stolen or accidentally damaged.

Loss, theft or accidental damage of your bicycle whilst being used for named competitive uses.

Loss, theft or accidental damage of your bicycle whilst in an unattended vehicle.

UK

Loss, theft or accidental damage in the United Kingdom, Channel Islands and Isle of Man.

UK and Europe

Loss, theft or accidental damage in the United Kingdom, Channel Islands, Isle of Man and the continent of Europe.

Worldwide

Loss, theft or accidental damage outside the United Kingdom, Channel Islands, Isle of Man and the continent of Europe.

Loss, theft or accidental damage of your bicycle technology.

Loss, theft or accidental damage of your bicycle accessories.

Loss, theft or accidental damage of your bicycle trailers.

Loss, theft or accidental damage whilst preparing or participating in cycling.

Hire of replacement bicycle whilst yours is being repaired or replaced.

Emergency recovery of you and/or your damaged bicycle.

Cover in Sections 1 to 5 extended for up to 3 family members.

Gadget or mobile phone is lost, stolen, accidentally damaged or damaged by liquid.

Your legal liability to others for compensation and costs arising out of your riding or pushing your bicycle.

Accidental bodily injury sustained whilst riding or pushing your bicycle and within 12 months is the sole cause of death, total and irrevocable loss of hearing, sight or limbs or total permanent disablement.

Injury to mouth and/or teeth whilst riding or pushing your bicycle.

In the event of your hospitalisation, accidental bodily injury, death or unemployment, we will waive your insurance policy premium.

Loss, theft or accidental damage of your bicycle.

Replacement with new if it is lost, stolen or accidentally damaged.

Loss, theft or accidental damage of your bicycle whilst being used for named competitive uses.

Loss, theft or accidental damage of your bicycle whilst in an unattended vehicle.

UK

Loss, theft or accidental damage in the United Kingdom, Channel Islands and Isle of Man.

UK and Europe

Loss, theft or accidental damage in the United Kingdom, Channel Islands, Isle of Man and the continent of Europe.

Worldwide

Loss, theft or accidental damage outside the United Kingdom, Channel Islands, Isle of Man and the continent of Europe.

Loss, theft or accidental damage of your bicycle technology.

Loss, theft or accidental damage of your bicycle accessories.

Loss, theft or accidental damage of your bicycle trailers.

Loss, theft or accidental damage whilst preparing or participating in cycling.

Hire of replacement bicycle whilst yours is being repaired or replaced.

Emergency recovery of you and/or your damaged bicycle.

Cover in Sections 1 to 5 extended for up to 3 family members.

Gadget or mobile phone is lost, stolen, accidentally damaged or damaged by liquid.

Your legal liability to others for compensation and costs arising out of your riding or pushing your bicycle.

Accidental bodily injury sustained whilst riding or pushing your bicycle and within 12 months is the sole cause of death, total and irrevocable loss of hearing, sight or limbs or total permanent disablement.

Injury to mouth and/or teeth whilst riding or pushing your bicycle.

In the event of your hospitalisation, accidental bodily injury, death or unemployment, we will waive your insurance policy premium.

Why Choose Us For Bicycle Insurance

25% Total Discount Available
3 Bikes Covered On Policy
100% Sum Insured Theft

Read The Not Small Print

We dislike jargon and we like to be upfront and clear with customers, but occasionally there are words that we need to use so we've put them in this helpful box of not small print!

15% discount on new policies for the first year. But don’t worry, we also offer a Loyalty Scheme and No Claims Bonus discounts to reward faithful and prudent customers after 12 months.

Save up to 25% (including 15% Intro Discount) with our additional discounts, with plenty of ways to reach the maximum saving. Discounts available for cyclists over 60 years and/or youths aged from 14 to under 17 years and use of an Approved Security Identification System (restricted to DataTag and The National Cycle Database).

This is based on a customer located outside of London and the Home Counties insuring a single item for £100 with no Elective Benefits selected.

A lunar monthly policy runs in periods of 28 days. This type of policy renews each 28 days upon receipt of appropriate premium.

Do I need bicycle insurance?
Your household insurance does not always cover your bicycles; therefore you may want specific bicycle insurance.

Can I insure more than one bicycle on my policy?
You are able to insure up to 3 bicycles on one policy.

How much can I insure my bicycle for?
The maximum sum insured is £5,000 per bicycle.

What happens if I have a custom made bicycle?
We would require a full breakdown of the make, model and value of the different components/parts (including the frame details). In the event of a claim we would require the original purchase receipts for these parts.

What type of lock do I need to have?
You are required to have a Sold Secure tested and approved lock, based on the value of the bicycle. Please take a look at our Bicycle Lock List.

What are the security requirements on your bicycle policy?
Full details are provided within our bicycle insurance Security Requirements within our policy wording.

Can I insure my bicycle if it is purchased through the "Cycle to Work Scheme?"
We do offer full cover for bicycles purchased under this scheme. In the event of a claim resulting in total loss, settlement will first be made to clear any outstanding balance owed to a third party.

Will you cover my bicycle trailer?
We cover bicycle trailers in use, at home and in an unattended vehicle for theft, accidental loss & accidental damage if our 'Bicycle Trailers' Elective Benefit is chosen.

Can I insure my electric bicycle?
Electrically Assisted Pedal Cycles (EAPC) are covered by our bicycle insurance but the output must not exceed 250w/15.5 mph.

What is 'New for Old'?
If, within 4 years of the manufacture date (a) your bicycle is lost, stolen or accidentally damaged (b) you have insured the bicycle for the value of a new replacement and (c) you have chosen 'New for Old' cover we will pay up to the new replacement value.

What is 'New for Old for Life'?
If, during the working life of your bicycle (a) your bicycle is lost, bicycle for the value of a new replacement and (c) you have chosen the Elective Benefit 'New for Old for Life' we will pay up to the new replacement value.

A lunar monthly policy runs for, and premiums are collected on, equal periods of 28 days. This type of policy renews every 28 days.

Runs for 365 days from the commencement date and time shown on Your policy schedule; automatically renews annually.