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 Image

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 Image

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.

Essential

 

Performance

 

Ultimate

 

Cover Limits

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

Further Afield

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

Accessories & Clothing

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

Medical

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

Benefits & Excess

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

Worldwide Cover

Our Ultimate level bicycle policy can cover your bicycles worldwide for leisure, training camps and racing.

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

Trusted by the professionals

Recognised