Why do I need bicycle insurance and other specialist insurance products for cycling?

Our specialist cycle insurance covers your equipment for theft and crash damage and can protect your bike riding, racing or training worldwide. Our travel insurance primarily covers medical expenses abroad and trip cancellation, on top of lots of other premium features. Our health insurance covers you if you fall ill in the UK, providing a broader range of options for treatment locations and scheduling compared to the NHS; this includes faster, more convenient access to treatment.

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Bicycle

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

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Travel

Our cycle travel insurance covers, trip cancellation, medical expenses and repatriation in the event of an accident abroad, on top of lots of other features you’d expect from a travel insurer, but it won’t cover your bicycle.

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Health

Our health insurance covers you if you fall ill in UK, providing a broader range of options for treatment locations and scheduling compared to the NHS. This includes faster, more convenienent access to treatment.

Get covered.
Get amazing rewards!
Do you want to save up to 40% on a Garmin? Our annual Bicycle Insurance customers get access to discounts on a constantly changing list of fantastic cycling, triathlon, and outdoor brands.
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Find out more about our customer rewards, and get a quote today.


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
£15,000
£15,000
£15,000
Max policy value
Max policy value
Max policy value
£50,000
£50,000
£50,000
Public liability (listed bikes)
Public liability (listed bikes)
Public liability (listed bikes)
£2,000,000
£2,000,000
£2,000,000
Public liability (any bike)
Public liability (any bike)
Public liability (any bike)
Not insured
£2,000,000
(named policy holder only)
£2,000,000
(named policy holder only)
No depreciation
No depreciation
No depreciation
Yes
Yes
Yes

Further Afield

Cover in Europe
Cover in Europe
Cover in 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
Event withdrawal
Event withdrawal
Event withdrawal
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
Yes
Yes
Yes

Accessories & Clothing

Accessory cover
Accessory cover
Accessory cover
£250
£250
£250
Additional wheelsets
Additional wheelsets
Additional wheelsets
Optional
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 Insurance Experts

If you need to make a cycle insurance claim, you won’t be read a script by someone who doesn’t know what they’re doing. Our customer-driven claims process is managed completely in house, meaning knowledge and expertise are guaranteed.

Bicycle Insurance Claims & Renewals

We don’t believe you should be put off making an insurance claim, just because you’re worried your premiums might go up. With a Yellow Jersey push bike insurance policy, we don’t charge you extra at renewal even if you’ve made a claim. When you renew you’ll get the same basic rate as a new customer, but we’ll apply a 25% renewal discount to your premium.

Multi-Bike insurance

You pay the full premium for your most expensive bike, then we apply a 60% multi-bike insurance discount for every bike you add after that. Twinned with our family cover (included in all of our bicycle insurance policies) this means you can save a good chunk when insuring all of the push bikes in your household together.

Crash Damage

Crash damage is likely excluded on your home insurance and almost certainly if you’re competing. With Yellow Jersey’s cycle insurance, you’re covered. Our Essentials tier covered crash damage out and about, Performance extends this to Europe and while riding in events like Sportives, and Ultimate extends this worldwide and includes racing.

DNA+

If we can discourage bicycle theft, we can lower premiums for everyone. We give new annual bicycle insurance customers a free DNA+ bicycle security marking kit worth £36 with their policy. These make stolen bicycles traceable and prove that they are stolen property making them less desirable for thieves.

Handle The Vandals

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

Home & Away

Whether your pedal cycle 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. We just ask that you follow our really simple bicycle locking requirements.

Zero Depreciation

We don’t depreciate bicycle value, so the price you paid is the value we will cover your bike for regardless of how long you’ve owned it.

Medical Cover

All of our cycle insurance packages cover you for physio, dental and permanent injury.

Pro Team Quality

Yellow Jersey is the official supplier to the British Triathlon Federation, Ride London and Cycling UK. We provide bicycle insurance to Rapha Club members, and competitors at some of the biggest cycling and triathlon events in the UK including Castle Triathlon Series, Tour of Cambridgeshire, Outlaw Triathlon and many more.

Worldwide Cover

Our British cycling insurance isn’t restricted to the UK. Performance level cycle policy can cover your bicycles within Europe for leisure, training camps and racing. Our Ultimate tier covers your bike worldwide.

Public Liability

All three bicycle insurance tiers include cycling liability insurance to protect you and your family members against third-party claims up to £2m whilst riding any insured bicycle. Our Performance and Ultimate policies also cover the named policyholder for public liability claims whilst riding any bicycle: e.g. a holiday hire bike or Santander Cycles. We think this is one of the most important aspects of a cycle insurance policy, and that’s why we include it as standard for everyone.

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

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bicycle insurance British Triathlon Federation logo
bicycle insurance Ford Ride London logo
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bicycle insurance GT bicycles logo
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Our Pedal Cycle Insurance covers all cycling disciplines, so if you ride tri, road & MTB, you can still insure all of your bikes on a single policy. If you’d like to see how our Bicycle Insurance features can benefit different types of cycling, have a look at the separate pages below -

Our Travel Insurance provides cover for medical mishaps while taking part in all types of cycling overseas, be it for racing or leisure. You would be covered for mountain rescue while downhill mountain biking, and emergency medical while competing in an Ironman triathlon. It covers cyclocross, sportive riding, criterium and BMX racing, in the same way it covers leisure riding or the use of electric bicycles on holiday. To see how our Travel Insurance features can benefit your discipline specifically, have a look at the pages below -