Sean Conway

Why do I need specialist bicycle insurance?

The simple answer is that home insurance cover is likely to be inadequate.

Our Bicycle Insurance covers your equipment when riding, racing or training worldwide, while our Travel Insurance fits the needs of cyclists – without sacrificing any aspect of normal travel insurance cover.

Bicycle

Across three tiers, our Bicycle Insurance covers your equipment from theft and crash damage, alongside numerous other benefits as standard. You can choose from annual or short-term policies.

Travel

Cycling overseas for an organised event, race, or training camp is seen as a big risk by the travel insurers, but we’ve got you covered from a couple hours of riding on a family holiday to the Ironman World Championships in Kona.

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Cover Limits

Accidental damage Yes Accidental damage Yes Accidental damage Yes
Vandalism Yes Vandalism Yes Vandalism Yes
Theft at or away from home Yes Theft at or away from home Yes Theft at or away from home Yes
Single bike limit £1,000 Single bike limit £3,000 Single bike limit £15,000
Max policy value £3,000 Max policy value £10,000 Max policy value £50,000
Public liability £2,000,000 Public liability £2,000,000 Public liability £2,000,000
New for old cover Unlimited New for old cover Unlimited New for old cover Unlimited

Further Afield

Cover Europe No Cover Europe 30 days Cover Europe 120 days
Cover worldwide No Cover worldwide No Cover worldwide 120 days
Cover in transit No Cover in transit Yes Cover in transit Yes
Sportives / Charity events No Sportives / Charity events Yes Sportives / Charity events Yes
Racing (e.g. Crits, Triathlon, MTB, CX) No Racing (e.g. Crits, Triathlon, MTB, CX) No Racing (e.g. Crits, Triathlon, MTB, CX) Yes
Bicycle Transition Cover No Bicycle Transition Cover No Bicycle Transition Cover Yes
Race fee cover No Race fee cover No Race fee cover £500 (1 claim)
Roadside recovery No Roadside recovery Yes Roadside recovery Yes
Emergency bike hire No Emergency bike hire No Emergency bike hire £500
Damage to bike box No Damage to bike box No Damage to bike box up to £1,000
Theft from vehicle No Theft from vehicle Yes Theft from vehicle Yes

Accessories & Clothing

Accessory cover £250 Accessory cover £250 Accessory cover £250
Additional wheelsets No Additional wheelsets Optional Additional wheelsets Optional
Helmet & Clothing Optional Helmet & Clothing Optional Helmet & Clothing Optional

Medical

Physio Cover £250 Physio Cover £500 Physio Cover £750
Dental Cover £250 Dental Cover £500 Dental Cover £750
Permanent injury £10,000 Permanent injury £15,000 Permanent injury £25,000

Benefits & Excess

Renewal discount 25% Renewal discount 25% Renewal discount 25%
Family Cover Yes Family Cover Yes Family Cover Yes
Multi-bicycle discount Yes Multi-bicycle discount Yes Multi-bicycle discount Yes
DNA+ security marking 1 Kit DNA+ security marking 1 Kit DNA+ security marking 1 Kit
Excess 10%, capped at £100 Excess 10%, capped at £100 Excess 10%, capped at £100

The Key Features
Cycle Experts

If you need to make a claim, you won’t be read a script by someone who doesn’t know what they’re doing. Our customer-driven claims process is supervised centrally from the Yellow Jersey offices, meaning knowledge and expertise are guaranteed.

Claims & Renewals

With a Yellow Jersey road bike insurance policy we do not charge you extra at renewal even if you've made a claim. We give all our customers a 20% renewal discount.

Multi-Bike

We offer a 60% multi-bike discount on all additional bikes, a single policy can be used for up to £50,000 combined bike value.

Crash Damage

Crash damage is likely excluded on your home insurance and almost certainly if you're competing, with Yellow Jersey you're covered.

DNA+

Making a thief's job harder is the best you can do, which is why we give you a free DNA+ bicycle security marking kit worth £36 with your policy.

Handle The Vandals

We'll make sure everything is up to scratch if your bike is damaged through vandalism.

Home & Away

Whether your bike is stolen from home, work or elsewhere you’re covered – even if you lend it to a member of your family who lives with you.

New For Old

We will always replace damages with an equivalent new version or pay for the full repair costs.

Medical Cover

All of our Bicycle Insurance packages cover you for physio, dental and permanent injury.

Pro Team Quality

Yellow Jersey are the official supplier to the British Triathlon Federation, we insure Team Wiggins among others, and are proud sponsors of Canyon Eisberg and Jodie Stimpson

Whilst crash damage is covered across the board, racing is not covered in either the Essentials or Performance packages.

Travel

Trip Cancellation £5,000
Medical Expenses £10m
Repatriation £10m
Dental Treatment £250
Hospital Benefit £500
Valuables £5,000
Travel Documents £250
Delayed Baggage £250
Personal Money £500
Travel Delay £250
Holiday Abandonment £5,000
Missed Departure £1,000
Loss of Limbs or Sight £20,000
Permanent Disablement £20,000
Death Benefit £10,000
Personal Liability £2m

Cycle Cover

Emergency Cycle Hire £500
Race Fee Cancellation Cover £500
Cycle Breakdown Benefit £200
Cycle Repatriation Benefit £250
Gadget Cover £2,000

Winter Sports (ANNUAL)

Ski Equipment £350
Ski Hire £300
Ski Pack £200
Piste Closure £300
Delay due to Avalanche £300

Note

While our travel insurance provides cover for downhill mountain biking, we currently only cover it for leisure. Downhill mountain bike racing is excluded under our policy. This exclusion does not apply to mountain bike races which involve elements of riding down hills, such as cross country or enduro events.

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