Bicycle Insurance
Compare bicycle insurance
You could pay less than £27 for bicycles valued up to £1500₍₆₎
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There are few things more enjoyable than hopping on a bike on a sunny day.
While it may be a slower way to get around than driving a car, cycling is great exercise, does not create any climate damaging emissions, and isn’t responsible for noise pollution, unlike motors.
Clearly people are getting the message about how fun cycling can be.
At the last major count, cycling rates were on the up. Between 2016 and 2021, the number of people cycling in England rose from around 5 million to 6.5 million - an increase of over 28%.
The coronavirus pandemic led to a surge in people cycling, both to boost their health and to avoid contact with others on public transport. In Q1 2022, the UK spent £514 million on bicycles, more than in any other quarter since records began in 1985, according to Proviz. https://provizsports.com/blogs/news/uk-cycling-statistics
In Scotland, the trend is particularly striking. A 2026 study in Edinburgh found that cycling's share of rush-hour traffic had more than doubled since 2021, rising from 8.9% to 19.2% of total traffic at monitored points, Deadline News reports. https://www.deadlinenews.co.uk/2026/05/25/new-study-suggests-surge-in-cycling-popularity-among-commuters/
The UK Government is particularly keen for more people to cycle. It has pledged to invest around £4.5billion in forms of active travel, such as cycling, over the next five years. https://www.gov.uk/government/news/cycling-and-walking-boom-with-45-billion-for-thousands-of-new-routes-and-safer-crossings
The investment is part of a project to get more than half of short journeys in towns and cities to be walked, wheeled or cycled by 2035.
By getting more people adopting healthier lifestyles, it would free up around 1.7 million GP appointments every year and lead to 4.4 million fewer sick days, the government claims. And if households give up a second car in favour of active short trips, it could save families around £1,700 per year on average.
Is bicycle insurance a legal requirement?
No, bicycle insurance is not a legal requirement in the UK. Unlike motor vehicles, there is no mandatory law forcing cyclists to hold insurance to ride on public roads.
Should I get bicycle insurance?
Although bicycle insurance is not legally required, many riders opt for voluntary coverage to protect against specific risks, such as damage caused by yourself or others, and theft.
What types of bicycle insurance are there?
Third-party liability
This covers damage or injury you, the cyclist, cause to other people or property.
Theft and damage
Replaces your bike if it is stolen or damaged in an accident.
Personal accident
Provides pay-outs if you suffer a serious injury while riding.
Home insurance coverage
Many standard home contents insurance policies cover bicycles, but they often require you to list expensive bikes separately and may not cover them away from the home.
How can I find bicycle insurance quotes?
One of the best ways to get quotes is to search through trusted providers for deals via Mirror Switch and Save. Otherwise, there are plenty of things you can do to get lower quotes. They include:
Buy a rated lock
Insurers usually require you to use a lock certified by Sold Secure (https://www.sold secure.com). Use a Gold or Diamond-rated lock for high-value bikes. Many insurers will outright refuse a theft claim if you used an unapproved, cheap lock.
Register your bike on a national database
Sign up with the UK’s national cycle database. Marking your bike with a visible security registration number makes it harder for thieves to resell, which lowers your premium profile.
Review your home insurance policy
Your existing home insurance provider may let you add your bicycle to your contents policy for a very small fee. This bundled extension is almost always cheaper than buying a completely separate, standalone bicycle insurance policy.
Join a national cycling organisation
Joining groups like British Cycling or Cycling UK often unlocks exclusive 10% to 15% discount codes for specialist insurance partners. These memberships sometimes include free third-party public liability insurance as a built-in benefit.
Accurately estimate the valuation and usage
Insure the bicycle for its current replacement value, not an inflated guess. If you only ride for weekend leisure, ensure your policy excludes commuter coverage, which carries a higher risk profile and a higher price tag.
Quotes provided by Quotezone.
Savings based on representative cost savings from April 2026.
