specialist insurance for bicycles and accessories
What does a cycleGuard policy cover?
We all try to keep our bikes in the best possible shape, but what happens when you suffer a prang on your way to work or your bike is stolen while it’s locked away? Our bicycle insurance protects cyclists with a range of different covers as standard. So, why not take these policy benefits out for a spin?
£2,500 Accessories Cover
Want to cover your cycling equipment?
It’s easy to cover your cycling accessories with us. We can cover up to £2,500 of your cycling equipment. Includes light sets, clothing, shoes and more. Mobiles and smartphones excluded.
New for Old Cover
If the worst happens, why should you lose out?
Our cover includes no bike-value depreciation when you use our approved claims service. Market value is available for any cycle clothing.
Have you broken down while out on your bike?
If your policy start date is from the 1st March 2022 onwards:
We will reimburse you or a member of your family for the cost of a single taxi journey, up to a maximum of £200, to your onward destination or insured location with your insured bicycle, if you are unable to complete your cycling journey in the event of:
- the theft of the insured bicycle, or
- accidental damage to the insured bicycle, or
- irreparable breakdown of the insured bicycle, or
- irreparable puncture to the insured bicycle, or
- an injury whilst cycling the insured bicycle.
Cover applies within the United Kingdom only, and for incidents that occur more than 1 mile from our insured location. A valid receipt from a registered taxi company will be required as proof of expenditure, which can be included within your claim.
If your policy start date is before the 1st March 2022:
You will receive a contact number for "Call Assist" the recovery breakdown providers. We would recommend that you store this number on your mobile phone or in an accessible place when you are out cycling. Call Assist have over 1,500 recovery agents and will despatch the nearest one to recover you and your bike. They will then travel to your location and transport you to the nearest one of the following:
- A suitable cycle repair shop
- An appropriate railway station
- A car rental agency
- The nearest overnight accommodation
- Your home
Replacement Bike Hire
Is your bike out of action?
If you need a bike after a claim, then we can provide up to £500 for you to hire a replacement.
Commuter Cycling Insurance
Great protection for commuter cyclists
If you’ve hit a pothole or taken that corner just a little too hard
We’re here to get you riding again. Our bike insurance includes accidental damage, as well as damage caused by attempted theft and vandalism as standard. Excludes wear and tear.
The more bikes you insure, the more you save
If you’ve got a shed full of bikes, including family members who live with you, then you can include them all on one policy to receive our Multi-bike Discount. Up to 10 bikes can be specified per policy.
Optional Personal Injury
Sometimes accidents do happen
Which is why we offer extended cover for injuries caused by cycling accidents or road-rage incidents. Our Personal Injury option can provide up to £25,000 to cover dental treatment, broken bones and physiotherapy. All incidents to have occurred whilst cycling.