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Bicycle Insurance

We offer three tiers of bicycle insurance to cover your equipment when riding, racing or training worldwide. Whilst home insurance focuses mostly on bicycle theft, we know that your needs are much wider than that. From bicycle theft to crash damage, alongside numerous other benefits as standard, we have you covered with annual or short term cycling insurance policies.

While there are restrictions to travel and racing due to Covid-19, some of the features of our Performance and Ultimate policies  (such as cover for racing and travel) offer less value than they usually do.

To ensure that you’re not paying for great features that you cannot use, we have extended the bicycle value limits on our Essentials Insurance package to allow you to insure your bike(s) without features you cannot use. We will keep this in place for as long as these restrictions apply.

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We offer three cycling packages -

Essentials

Our entry level package will protect your bike from the essentials, whether theft or damage in an accident.
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Performance

Designed for enthusiasts who ride regularly and might travel abroad for training or events.
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Ultimate

For cyclists who compete regularly in the UK and abroad in crits, triathlons or mountain bike races.
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Essential

 

Performance

 

Ultimate

 

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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

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The Key Features
Bicycle Experts

Our bicycle claims are all handled in-house, by a dedicated bicycle team, recruited out of local bike shops. Stress-free, easy claims are the benchmark of a high-quality insurance policy. If you are still comparing options, make sure to read our Google Reviews, left by satisfied customers about the exceptional service they have received.

CLAIMS & RENEWALS

With a Yellow Jersey Bicycle Insurance policy, we do not charge you extra at renewal even if you’ve made a claim. We give all our customers a 25% discount at renewal.

MULTI-BIKE

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

DNA+

Making a thief’s job harder is the best thing you can do to protect your bicycle, which is why we give you a free DNA+ bicycle security marking kit worth £36 with your policy. The forensic marking kit will prove your bike is stolen property if taken by a thief, and acts as a strong deterrent.

HANDLE THE VANDALS

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

HOME & AWAY

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

MEDICAL COVER

All of our Bicycle Insurance packages cover you for Physio, Dental and Permanent injury.

ZERO DEPRECIATION

We do not devalue bicycles after any period of time. The price you paid for your bicycle is the price we will insure it for, and we will always replace damages with an equivalent new version or pay for the full repair costs.

CRASH DAMAGE

Crash damage is likely excluded on your home insurance and almost certainly if you’re competing. Yellow Jersey’s Bicycle Insurance covered racing on the Ultimate tier, sportives and charity rides on the Performance tier, and day to day riding on the Essentials tier.