Commuter Insurance

Protecting UK cyclists for over 20 years

Key features


Biking to work to increase your fitness? Or just fed up of losing hours sat in traffic? Either way, your bike and accessories are now an essential part of your working life, so you’ll want to make sure that they’re protected should the worst happen. We’ve been insuring commuter cyclists for 20 years and our policies have been designed to protect you on your way to work. Our cover includes protection against Public Liability and can be extended to help cover the cost of medical bills if you’re injured by a driver. Have a look at what we can offer you below.

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Accidental Damage

Hit that corner too hard or come face to face with a pothole? We’re here to get you riding again. Excludes wear and tear.

Multi Bike insurance

Multi-Bike Discount

The more bikes you insure with us, the more you save! Include all the bikes in your shed, including family members who live with you, to receive our multi-bike discount. Maximum 10 bikes to be specified per policy. 

 

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In-Vehicle Cover

Protect yourself against theft and in-vehicle theft of your bike. Our cover includes simplified lock requirements - which you can find here. In vehicle security requirements apply.

flat bicycle tire

Cycle Rescue

Our 24/7 recovery team are always on hand to get you and your bike back to a safe location in the event of an irreparable puncture or ‘breakdown’ of your bike. You must be at least quarter of a mile from your insured location.

New replacement bicycle

New for Old Cover

No bike-value depreciation when you use our approved claims service, which are all handled in-house. Our personal service means no outsourcing to third parties. Market value is available for any cycle clothing.

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Family cover

We can cover yours and your family’s bikes - along with your accessories - on one straightforward policy which will automatically include your multi-bike discount. Bikes will need to be specified on your policy.

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Cycle Hire

Is your bike out of action? Bike hire is covered as part of our claims service. We can provide up to £500 to hire a replacement bike if you need one.

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Accessories

From your Garmin to your Oakley’s, light sets to Lycra, it's easy to cover your cycling accessories with us. We can cover up to £2,500 worth of accessories. Mobiles and smartphones are excluded. Only specified accessories are covered.


Our optional extras


We're here to make sure that you get to work safely and soundly. That's why our extended policies are designed to protect you while you're on your bike. Our Personal Injury cover can provide up to £25,000 per period of insurance to cover the cost of treatment and care if you suffer an accident or are the victim of road rage while on your bike. We can also offer up to £5million to cover third-party injury and damage claims made against you if you're involved in an accident or bump into someone's property. So, if you're thinking of taking your bike to work, have a look at what our extended policies can do for you below.

Global Travel

30 days of EU travel cover not enough? Extend your cover to 365 days worldwide. Includes up to £300 bike box transit-damage cover. Maximum 60 days per trip.

 

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personal injury

Personal Injury

Suffered an injury because of a cycling accident or road-rage incident? We can provide up to £25,000 cover for dental treatment, broken bones and physiotherapy. All incidents to have occurred whilst cycling.

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£5m Public Liability

Up to £5million in Public Liability cover for cycling related claims made against you. Cover not extended to North America.

Race and Compete

Whether it’s a trial or sportive, triathlon or track meet, we can be right there with you. We can cover up to £750 in race fees, £500 for travel and accommodation cover and £200 cover for clothes lost in a transition area. Pre-existing illness or injury cannot be covered.