Cycle Insurance

Protecting UK cyclists for over 20 years

Key features


Before you set off on your bike, you’ll want to know that you’ve got an insurance policy that goes that extra mile. Our cover is designed for all types of cyclists, no matter how often you ride or what you own, with mountain bikes, road bikes, e-bikes and more, included in our cover. For regular racers and triathletes, you can extend your cover to make sure that nobody puts the brakes on your performance. So, whether you’re a commuter or someone who prefers to live life in the fast lane, see what we can offer you and your ride and get a quote from us today. 
Cyclist hitting a pothole

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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Thief running from car

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.

Deflated bicycle tyre

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 for Old Bike Replacement

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.

Family bikes

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.

bicycle

Bike 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. 

cycling accessories

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


If you’re a regular racer or you’re planning a cycling trip abroad, you might want to take a look at our optional covers. Our extended covers can provide you with protection against theft and accidental damage whilst you’re overseas and can also contribute towards the cost of a cancelled race you’ve been looking forward to. You don’t even have to be a competitive cyclist to benefit either. If you use your bike to get around, then we can help ease your worries when you take to the road by offering up to £5million in liability costs in case you’re involved in an accident. Have a look at the services we can provide to the nation’s cyclists as part of our extended cover and get a quote from us today. 
Cyclist travel insurance

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.

Public Liability for cyclists

£5m Public Liability

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

Competitive cycling insurance

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.



What our cycleGuard customers say


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.

Why choose cycleGuard?


If you're serious about cycling then you need to be sure that you have a policy that caters to your needs, no matter what you ride, where you ride. We can help protect your bike and accessories for when your away from home, against accidental damage, while you compete or for protection against third party damage or injury-claims. So, if you like to race your bike competitively or just like to casually cruise, you can feel confident knowing you're protected no matter what.

Over 20 years of Guardcover


Guardcover, from Thistle Insurance, is a leading brand of specialist leisure insurance focused on fulfilling the varied insurance needs of our customers. Since 1998, we've built up a reputation for excellence and a unique understanding of what you value. In that time, we’ve been there to protect:

  • Musicians
  • Pet owners
  • Photographers
  • Property owners

As a specialist insurer, we know that standard insurance policies may not offer the peace of mind you need. That’s where Guardcover can help protect the things that matter to you. Whatever you’re serious about, we can help protect it.

Information and guides


Need more information? Our full list of FAQs are available below, as well as a link to your customer account where you can access information about your policy.

Which bike do you own?


Our insurance has been designed to suit a wide variety of cyclists whose interests span a range of disciplines. From those who love the thrill of downhill, to daily commuters and e-bike riders, our straightforward policy means you can have the cover you need to cycle with confidence. Click on the cards below to find out more about how our cover can suit you, regardless of how you put your two wheels to use. 

Electric Bicycle Insurance

E-Bikes

Whether you're riding an electric bike on the trails or the commute, we can make sure you're covered.

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Brompton Bike Insurance

Folding Bikes

Whether your daily commute consists of country lanes or busy roads, make sure your bike is insured for the journey and while you’re at work.

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Mountain Bike Insurance

Mountain Bikes

Gentle bike rides not really your style? If you love the thrill of downhill then we can help protect you and your mountain bike on your off-road adventures.

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Race bike

Racing Bikes

Gear up for any upcoming races with our racing bike cover. If you’re the competitive type, then we can keep you covered.

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road bike insurance

Road Bikes

Whether you’re testing your endurance in a sportive or just enjoying leisurely rolls along country lanes, we can protect you.

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Policy documents


For customers incepted on or after September 23rd 2019, then click below to access your policy wording.

Existing customers


If you have an existing policy with either: cycleGuard for kids, TriathlonGuard, British Cycling or Evans, then you can contact our team for information on your policy.

Email us at: support@guardcover.co.uk