Commuter bike insurance

Protecting UK cyclists for over 20 years

curved

Specialist commuter bike insurance from cycleGuard

Protect your commuter bike and accessories

Cycling is a great way to not only avoid the traffic, but it keeps you fit as well! At cycleGuard, we can help keep your commuter bike, accessories and you protected, should you ever experience a nasty scrape or damage.

curved

Over 20 years of Guardcover, supporting your passion

curved

Why protect your commuter bike with cycleGuard?

See how cycleGuard can protect you, your commuter bike and accessories

20 Years of Experience

We know what it takes to protect the things that matter to you.

Quick and Simple

We make it easy for you to find the right policy for your bike and kit.

0% Monthly Payment

Spread your payments across the year at no extra cost.

UK Customer Service

Our customer service team is ready to help you with all your questions.

Online Account

Your online account is an easy way to access and manage your policies 24/7.

Multi-Bike Discount

Cover multiple bikes on one policy, saving you time and money.

What's included in my commuter bike insurance?

What am I covered for?

If you rely on your commuter bike getting you around, then you'll want to make sure your bike and accessories are covered, so you can stay in the saddle.

Had a bump or a scrape on your commuter bike?

If your commuter bike is stolen from your home or damaged in a crash or accident whilst you are out and about, cycleGuard is there to help get you back on your ride. Cover available for bikes up to £20,000. Security and lock requirements apply.

What happens if your commuter bike breaks down?

If your commuter bike ‘breaks down’ or you suffer an injury and can’t finish your ride, our UK Cycle Rescue cover is there 24/7 to help you get home or to an alternative safe place. Cover applies when you’re more than a quarter of a mile away from your home.

Heading overseas with your bike?

If your ride takes you outside of the UK, our cover for your bike and accessories will automatically include 30 days cover in the EU. Worldwide cover option also available.

Why should you lose out when making a claim?

We understand what your bike means to you, which is why we offer genuine new for old replacement, and we don’t depreciate the value of your bike when you make a claim. Proof of purchase needed when making a claim.

Is your commuter bike covered in the car?

You can rest easy when you’re away from home and your commuter bike is being securely stored in your car or secured to your bike rack, as we automatically include theft cover for bikes left in or on unattended vehicles. Security requirements apply.

Commuter bike

Optional extras for your bike

Global Travel - For those rides that are further away, extend your cover to include 12 months worldwide. With up to £300 bike box cover and up to £150 emergency bike-hire if your bike is stolen or damaged. Max. 60 days per trip.

£5m Public Liability - If you accidentally injure someone or damage their property while out cycling, we can provide up to £5m to protect against the costs of liability claims made against you. Cover only applies in the UK.

Commuter bike

Personal Injury - Up to £25,000 cover for treatments and incidental costs following a cycling-related injury, aimed at helping you to recover and get back on the road. Excludes pre-existing conditions.

Race and Compete - Extends your policy to amateur race events and covers the cost of up to £750 in race fees and £500 in associated travel and accommodation if you are injured and can’t make the start-line.

Which types of bikes do we cover at cycleGuard?

Cycle insurance to meet your needs

Frequently asked questions about commuter bikes

Want to find out more about our commuter bike cover?

If youre wondering what our commuter bike insurance includes, then weve answered a few questions here!

A commuter bike is not necessarily a particular type of bike, but simply whatever bike you choose to cycle on, when commuting to work, or for just getting around.

Folding bikes in particular, are a popular commuter bike, due to their ability to collapse into an easy to carry, smaller bundle. This makes them great for storing in tight spaces, such as the office, at home or in the car.

When buying a bike for commuting purposes, it’s important to consider the following:

  • How long will you be sitting in the saddle for?
  • What type of terrain will you be cycling on?
  • Do you want a bike that is more versatile?
  • How many gears do you think you will need on your bike?

All of the above questions should help you decide on the type of bike, that will best suit your cycling needs.

Yes, your commuter bike can be covered against theft, vandalism, accidental damage, flood and fire damage while you’re at work providing that your bike is locked in accordance with our simplified lock requirements.

The Cyclescheme is a government initiative to get more people commuting to work by bike.

Eligible employees get to choose commuter bikes and cycling accessories via their employer, the cost of which is spread out over 12 months through a series of tax-saving initiatives where you effectively ‘hire’ your bike. At the end of your 12-month period you can buy your bike from your employer for its HMRC Fair Market Value, or your workplace can keep the bike for future use!

Commuting by bike can help improve your health, bank balance and the environment.

You can save on the costs of running your car with a reduced outlay on petrol, maintenance, and parking. The health benefits are numerous and include increased heart health and muscle strength, as well as weight loss. Being fitter helps you to stay healthier for longer and can reduce the risk of diabetes, cancer, and other longer-term illnesses. Cycling can also benefit your mental health and could lower your risk, or help to treat illnesses like depression.

The wider benefit is the impact on the environment that commuting by bike can have as you reduce your air pollutants, noise pollution and congestion and overall carbon footprint.

Commuting by bike poses its own set of risks, like any form of travel. Bike commuters face dangers posed by cars and other road users in traffic, potential collisions with pedestrians and even a vulnerability to air pollution.

However, ensuring you are visible with the right reflective clothing and lights; following the rules of the road; and being patient as well as confident in the way you ride, can all help to keep you safe on your commute.

Your commuter bike will be covered for use by other members of your family. A family member means parents, spouse, partner, siblings, or children / step children, but only when living at the same insured location (where your insured bike(s) is usually kept, which should also be your main place of residence).

Our Race and Compete cover option will also extend accidental damage cover to riders at the same cycling or triathlon club.

The value should be the current, new undiscounted cost including VAT from a reputable dealer at the time you apply. End of season offers, and bargains do not count as the usual price.

We are able to offer a quotation up to a maximum value of £20,000 for individual commuter bikes or multiple bicycles. You can insure up to 10 bicycles on one policy providing the total value does not exceed the £20,000 limit.

If you have a commuter bike or bicycles over that value, we may be able to offer you a quotation. You can either call us for your individual quote on: 0333 004 3444, or alternatively you can email us at: support@guardcover.co.uk

Yes, we can cover yours and your family’s bikes on one policy, which will automatically include your multi-bike discount, with a maximum combined value of £20,000. If you're looking for insurance for commuter bikes over this amount, then please contact us by either:

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 1500 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

Yes. You must be a resident and permanently domiciled in the United Kingdom.

You must disclose any criminal convictions which have not been spent under the Rehabilitation of Offenders Act 1974. If you are in any doubt as to whether this applies to you, you should call us to discuss your individual circumstances.

Yes, the excess amount will depend on the type and value of the claim.

  • Claim amount is under £1,500 = excess of £50
  • Claim amount £1,500 to £2,999 = excess of £100
  • Claim amount £3,000 to £4,999 = excess of £150
  • Claim amount is over £5,000 = excess of £200

For Public Liability claims, the first £500 of each claim arising from damage to third party property.

The minimum age for the main policyholder is 18. Public Liability and Personal Accident cover (if you have chosen to include this on your policy) will only apply to anyone aged 16 or over at the time of any incident, and total permanent disablement cover is only available for anyone aged 65 or under.

You need to tell us about any cycle related losses or claims you have had within the last three years, whether insured or not. It is important that you make an honest disclosure of any previous claims or losses, as this could invalidate your cover.

Yes, you can make changes to your policy by simply logging in to your online account here, or by calling us on: 0333 004 3444

You can add or delete insured items and change some aspects of your policy. Note that additions will incur additional costs. Additional premiums are charged on a pro rata basis from the date of change. Any cover options that you choose can only be added or removed when you first buy the policy or at renewal.

Yes, your policy will cover you for 30 days in the EU as standard, with the option to extend to annual worldwide cover (maximum 60 days per trip).

Please note that the Cycle Rescue cover, Claims Bike Hire and Public Liability cover option only applies to the United Kingdom. Public Liability cover is excluded from North America.

Provided your bike is suitably packed in a bike bag or box and you have a receipt from the airline that your bike was checked onto the aircraft, then your bicycle would be covered against accidental damage. While under the responsibility of your transport provider, we don’t include cover against theft.

Extend your cover to include our Global Travel option and your bike box will be covered for up to £300 for accidental damage.

Providing you follow the security and lock requirements (you can find these here) your commuter bike is covered whether at home, work or out on the trails anywhere in the UK and for up to 30 days in the EU.

It's very important that wherever you leave your bike, that it is securely locked through the frame, to an immovable object with an approved lock and is not left unattended, when you are away from your insured location, for more than 24 hours (for new policies incepted after 23rd September 2019*).

Yes, we can cover commuter bikes stored in a “Communal Cycle Storage Area” providing they are locked through the frame to an immovable object with an approved lock.

We class a Communal Cycling Area as: a fully enclosed residential cycle parking specific compound that is securely locked (only accessible through a lockable entrance which can only be opened by key or access code) and specifically dedicated to your insured location.

When your commuter bike is within the direct boundaries of your insured location (where your insured bike(s) is usually kept, which should also be your main place of residence), and if it is not being stored in a fully enclosed and locked building or cycle storage unit, your bike needs to be locked to an immovable object through the frame of the bike, with an approved lock.

If the bike is stored in a communal hallway it will only be covered if the hallway is on the same floor as your insured location and, again, your bike needs to be locked to an immovable object, through the frame of the bike, with an approved lock. The same lock requirements apply if your bike is stored in a “Communal Cycle Storage Area”.

When you are away from the home, such as at a campsite, you would be able to lock the bike to an immovable object with an approved lock, through the frame of the bike and leave it unattended for up to 24 hours.

You need to include the value of your bike and any fixed accessories or replacement parts when taking out the policy. If you buy accessories later and add them to your bike, you can update the value of your bike through your online account or by calling us on: 0333 004 3444

Yes – the requirements are quite specific in terms of types of locks and security devices. For more details, see our policy wording or take at our lock requirements, here.

It is a condition of your insurance that you use an approved lock appropriate with the value of your commuter bike. You can find our approved locklist which details our requirements here. Our approved lock list has been created to make sure that the best level of defence is being provided against cycle theft. When the lock is in use, it must be placed through the frame of your bike and secure the bike to an immovable object

For your commuter bike to be covered and for any claims to be successful you must make sure that the lock that you are using is in-line with our approved lock list and the security requirements.

Making a claim with cycleGuard

We’ve made making a claim so easy

If your commuter bike has been stolen or damaged, we know how distressing it can be. That's why we'll do everything possible to deal with your claim promptly and get you back out riding again. Our easy-to-use claims process is listed below with some helpful information regarding what to do if you need to make a claim.

1. Call the police

If youve been the victim of theft or malicious damage to your commuter bike, your first port of call should be to inform the police.

2. Contact our claims team

Contact our in-house UK team to make your claim. You can call us on:
0333 004 3444 to get started, or alternatively, you can email us with details of your claim at: claims@guardcover.co.uk

3. Make your claim

We'll provide you with your claim reference and talk you through the next steps. Should we need any further information to help process your claim, we can explain what's needed and support you.

curved

Your policy document explorer

Take a moment to explore the details of your cover in the policy documents below.

Existing customers

If you have an existing policy before September 23rd 2019, then you can contact our team for information on your policy.

You can email us at: support@guardcover.co.uk or call us on: 0333 004 3444

cycleGuard customers say this...

We pride ourselves on delivering a personal service to every cyclist that we help protect. You don't have to take our word for it though - check out some of our independent reviews to see what our customers have to say! If you'd like to leave your opinion, good or bad we encourage you to submit a review too.