Cycle insurance compare


Price comparison websites tend to encourage a race to the bottom. Insurance companies compete to offer the lowest possible price, often sacrificing cover in the process.

Bicycle insurance comparison can be doubly difficult since most companies display a basic cover, then offer a host of ‘add-ons and extras’. The price you see on a comparison site often doesn’t match the price you ultimately pay.

Yellow Jersey work differently. We created three distinct tiers of cover –Essential, Performance, and Ultimate– with all of the features our customers needed, and then negotiated the best possible prices with our underwriter. That’s why we can beat our competitors on price for many quotes, without sacrificing any essential cover.

If you’d like to see how Yellow Jersey compare on both features and price to our competitors for some real-life customers, have a look at our bicycle insurance comparison examples below.

Cycle insurance comparison number one:

A road cyclist who rides with a club, enters sportives, and occasionally takes their bike over to Europe for holidays and events. They ride a Cannondale Synapse which cost them £2000:

Premium Theft Damage Liability Legal expenses Sportive/event cover Europe Accessories Roadside recovery Excess
Yellow Jersey (Performance) £171.09 £2m £100,000 30 days per trip £250 £500 10%, £100 maximum
Wiggle Insurance £180.88 £1m 90 days total £250* £100
Cycle Guard £203.76 £2m* 45 days per trip, 90 total* £250* ✓* 20% (£400)
Cycle Plan £167.50 £2m* £50,000* 30 days per trip, 90 total* £250* 5% (£100)
Bikmo (Plus) £200.28 £2m Unlimited £250 £150 £0 (Their choice of replacement)

Sounds like you? Save a quote and find out more about our long list of cycle insurance features.

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Cycle insurance comparison number two:

A couple who enjoy leisure cycling on their e-bikes in the UK. They ride electric bikes which cost £800 each:

Premium Theft Damage Liability Legal expenses Personal Accident Accessories Family cover Excess
Yellow Jersey (Essential) £117.87 £2m £100,000 £10,000 £250 10%, £100 maximum
Wiggle (Essential) £162.22 £1m £10,000 £250* £100
Cycle Guard £178.17 £2m* £10,000* £250* ✓* 20% (£320)
Cycle Plan £133.80 £2m* £50,000* £10,000* £250* 5% (80)
Bikmo (Plus) £167.28 £2m £20,000 £250 £0 (Their choice of replacement)

Sounds like you? Save a quote and find out more about our long list of cycle insurance features.

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Cycle insurance comparison number three:

A  triathlete competing regularly in the UK and abroad who needs cover while racing. They ride a Cervelo S3 while racing that cost them £4000, and train on a Specialized Roubaix that cost them £2500:

Premium Theft Damage Liability Legal expenses Race cover Worldwide Hire bike Accessories Roadside recovery Excess
Yellow Jersey (Ultimate) £422.15 £2m £100,000 120 days per trip £500 £250 £500 10%, £100 maximum
Wiggle Insurance £585.04 £1m 90 days total “Reasonable cost” £250* £100
Cycle Guard £599.00 £2m* ✓* 45 days per trip, 90 total “Reasonable cost” £250* ✓* 20% (£1300)
Cycle Plan £527.60 £2m* £50,000* ✓* 45 days total* £500* £250* 5% (£325)
Bikmo (Race) £973.08 £2m Unlimited “Reasonable cost” £250 £150 £0 (Their choice of replacement)

Sounds like you? Save a quote and find out more about our long list of cycle insurance features. Remember, British Triathlon Federation members get an extra, exclusive discount with Yellow Jersey on top of the price quoted above.

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How are our bicycle insurance comparisons calculated?

Features with an * are optional extras. All quotes were correct when collected on 14/08/19. When collating our bicycle insurance comparisons, we worked hard to make sure we were comparing on a like-for-like basis. Where insurers offered their policies on a ‘pick and mix’ basis, we added features to make the quotes as similar as possible. Our example customers had an SE1 postcode.