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Copyright The Plan Group Ltd 2025 Yellow Jersey Cycle Insurance UK, Trading Style of the The Plan Group Ltd is authorised and regulated by the Financial Conduct Authority (FCA) no. 307249

Cargo bike Insurance

Our cargo bike insurance is designed to protect your cargo bike against theft and accidental damage, alongside third party liability, legal expenses, and personal accident protection for the rider.

Cargo bikes are becoming a practical choice for everyday travel. Our own team relies on them, and we use them for everything from dropping our kids off at school to hauling kit around town. For many urban journeys they can replace a car, whether you are doing the weekly shop, transporting children, or running local deliveries.

With more people looking for alternatives to driving, cargo bikes are taking on a bigger role in city life. They offer a reliable way to move around busy streets without sitting in traffic or depending on public transport.

A cargo bike is a significant purchase and often a key part of a household’s transport. If you are planning to rely on one day to day, protecting that investment matters. Our cargo bike insurance is competitively priced and built to give you confidence that your bike is covered.

A cargo bike can be a big investment, especially if you are giving up your car. Make sure you protect it with a comprehensive cargo bike insurance policy.

Get a cargo bike insurance quote

Which package should I take?

We have three tiers of insurance to cover different types of cyclists, but if you are riding a cargo bike, you're likely to be best off on our Essentials package. It includes all of the most important cargobike insurance features including theft, accidental damage and public liability, but excludes cover you're less likely to need like insurance outside of the UK, or cover while racing. If your cargo bike isn't your only bicycle, you can insure it on the same policy as your road bike, mountain bike, or electric bike, and make use of our 60% multi-bike discount.

Are you using your cargo bike for business?

We can help with that too, have a look at our information on courier insurance.

We offer three cycling packages -

Essentials

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

Get quote Learn more

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.

Get quote Learn more

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The Key Features

ACCESSORIES

Cargo bikes bring a whole world of new and acciting accessories to cycling. On top of lights and racks, we see custom passenger seats, rain covers, extender bars and heavy-duty kickstand. Our policy includes £250 worth of accessories as standard, and you can increase this as needs-be.

CYCLE EXPERTS

Confidence and expertise are the cornerstones of Yellow Jersey, and we manage all of our claims in house. This means you can speak to our team directly, and our knowledgable team can help you with the repair or replacement of your cargo bike. We have relationships with some of the biggest cargo bike frame and component suppliers meaning we can source brands to be delivered to you directly. If your cargo bike is your primary mode of transport, you can’t afford to be waiting around for a claims team who don’t know their Bullitts from their Omniums.

Third Party Liability

We think third party liability is incredibly important while cycling, particularly for cargo bikes which tend to be heavier and less manoeuvrable. All of our policies include third party liability as standard, covering you up to £2 million with ZERO excess.

ZERO DEPRECIATION

Just because your cargo bike is a few years old, this won’t make it any cheaper to replace. We understand that cargo bikes are specialist bits of kit, and if you bought yours several years ago, you need its full value insured in order to replace it. Most companies will reduce their settlement value based on the age of the bike, potentially leaving you out of pocket if it is stolen. We don’t do this. The price you paid for your cargo bike is the price you should insure it for, and this is the value we will cover in case it is stolen or damaged.

MULTI-BICYCLE DISCOUNT

There is a good chance your cargo bike isn’t your only bike. You can insure as many bikes as you like on the same policy, no matter if they are all cargo bikes, mountain bikes, or road bikes, and make use of our 60% multi-bike discount. You pay the full premium on the most expensive bicycle, and then get a 60% discount on each additional bike you add. Best of all, you can add all of your family’s bikes too.

HOME & AWAY

You’re covered if your cargo bike is stolen either at home or while out and about, and with our family cover, you’re even safe if you’ve lent it to a member of your family, (as long as they live at your address).

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