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Essentials

Never seen on public transport

Our Essentials Bicycle Insurance package is designed for individuals and families who enjoy cycling mainly as a leisure activity, or for daily errands and commutes. We designed this package to cover against harm that may befall your bike during everyday use, like theft, vandalism and accidental damage. Our generous single bike limit will cover most entry-level bikes, and our 60% multi-bike discount means you can insure all the bikes in the household under a single policy.

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Here to cover the essentials like theft and accidental damage, without making you pay extra for cover you don't need.

Our Essentials package  covers bikes against theft, vandalism and accidental damage, plus it includes £250 worth of additional insurance for accessories and optional coverage for helmets and clothes. This means that every entry on your cycling kit list can be covered for optimal peace of mind. Compared to our higher tiers of insurance however, it strips out cover for racing, sportives and riding while overseas so you don’t have to pay for things you don’t need.

If something does get lost or broken, we offer new for old cover as standard, meaning you won’t ever feel short-changed. We also cap the excess on all claims at £100, meaning you won’t be left out of pocket.

We’re proud of the insurance packages we put together for cyclists and believe that our Essentials bicycle insurance fulfils the need of those who enjoy cycling as a leisure activity. Ultimately, it’s all about helping to free your ride.

 
The Key Features
Accidental damage

Our insurance policy covers accidental damage at home and while riding, including from collisions involving other cyclists and vehicles.

£1,000 limit per bike

Our essentials insurance package covers each bike up to £1,000, meaning that most entry-level bikes will be covered. If you only commute by bike or ride mainly with family, you don’t need to pay premiums designed to cover top-spec professional race machines.

DNA+ security marking

We include a free DNA+ bicycle security marking kit with each policy, worth £36. This deters thieves by showing that your bike is marked, and helps police in tracking and returning your bike if stolen.

New for old

Just because you bought your bike a few years ago, doesn't mean you should be out of pocket if it gets stolen. We don't devalue bikes any period of time, so the price you paid is the price you can insure them for.

Physio and dental cover

Sometimes – sadly – cycling can lead to injuries, whether through the act of cycling itself, or through a crash. Our Essentials package offers £250 cover for any dental and physio treatment you might end up needing.

Vandalism cover

There’s nothing more soul-destroying than senseless damage to your bike caused by vandalism. If your bike is damaged in this way while left locked up, we’ll cover it.

Public liability insurance

All of our policies include a generous £2m of public liability cover, so if you’re involved in a collision with a vehicle or person, you can rest assured. And so you're not left out of pocket, there is zero excess to pay on third party claims.

£250 accessory cover included as standard

We include £250 worth of accessories cover with the option to insure more if you need it. This means if your panniers, lights or commuter are stolen or damaged at the same time as your bike, they can be included in your claim.

Renewal discount

We like to reward our customers for loyalty and are proud to offer a 25% renewal discount on every policy. Even if you’ve made a claim in your previous policy year.

Permanent injury

If the unthinkable happens and you suffer a permanent injury while cycling, our Essentials policy covers you up to £10,000, giving you the security you need to get yourself back on track.

Theft at home and away

If your bike gets stolen, our insurance policies cover it. This includes theft from your house and while away from home, even if you regularly lend your bike to a relative who lives at your address. Just make sure they follow our security requirements, and your bike isn't left unsecured!

£100 maximum excess

We charge a 10% excess on claims for your bikes, but this is capped at £100. We also waive excess on third party claims.

Optional helmet and clothing cover

If you want to extend your cover to include helmets and cycle clothing, this is an optional extra in all of our policies.

Family cover and multi bike discount

You can insure your whole family’s bike collection on your policy, up to a combined value of £3,000. This means everyone in your household is covered and has peace of mind to enjoy cycling in whatever form they choose. We also offer a discount of 60% on each subsequent bike insured on a policy.

 

Essentials

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

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Maybe one of our other packages suits you more

Ultimate

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

Learn more Get quote

Performance

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

Learn more Get quote

Are you insured for travel?

Our Essentials Bicycle Insurance is designed to cover your bike in the UK, and to keep the cost down for our basic package, the cover does not extend to taking your bike abroad.

That’s not so say you’ll never ride while on holiday however, and you might be interested in our cycle specific travel insurance which covers you for emergency medical care and repatriation should you injure yourself riding abroad. It covers trip cancellation, medical expenses and repatriation, on top of lots of other features you’d expect from a standard travel insurer.

If you are an Essentials customer but need to insure your bike abroad for a single trip, you can take out a short term policy with us. Our Performance and Ultimate tiers both cover your bike abroad, and they can also be taken out just for the duration of your holiday.

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