Multi-bike insurance

Protecting UK cyclists for over 20 years

Our multi-bike cycle insurance cover explained

Have you got more than one bike to insure?

For the keen cyclists who might own more than one bike for their many adventures, or families with multiple bikes at home, cycleGuard can offer cover that protects not just one bike, but up to ten bikes per house hold under the same policy.

Multi-bike discount

Multi-bike insurance

You can collect quite a number of bikes over time, with most being stored in the garden shed or garage. However, home insurance may not cover you for your specific requirements, so it's important to check your current levels of home insurance to ensure you're covered. Our multi-bike policy can cover up to 10 bikes that belong to you, or members of your family that live with you, all on a single policy. All bikes need to be specified on the policy.

Lock requirements based on the value of your bike

Cycling can be a convenient and a cost-effective way of traveling, so we understand that you may need to leave your bike unattended when out you're out and about. All you need to do is make sure that it is locked through the frame, to an immovable object, using an approved lock. With our cover you can leave your bike locked in a secure location for up to 24 hours. For more information see our Approved Lock List requirements.

Lock requirements
How to lock your bike

How to lock your bike

It can be very upsetting to find that your bike has been stolen or damaged due to attempted theft when stored in a public place. It's an easy mistake to make, thinking you've locked your bike to something secure using an approved bike lock. However, that may not be the case. We've created a simple guide to show you the best way of locking and securing your bike to help prevent theft or damage.

Frequently asked questions about multiple bikes

Want to find out more about our multi-bike cover?

If you’re wondering what our multi-bike insurance includes, then we’ve answered a few questions here!

  • Cover
  • Travel
  • Security
  • Do you cover more than one bike on a policy?

    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 triathlon bikes over this amount, then please contact us by either:

  • How many bikes can I insure on my policy?

    You can cover up to 10 bikes that belong to you or members of your family that live in the same household as you. All bikes will need to be specified on the multi-bike policy.

  • Can I mix the type of bikes in my multi-bike insurance?

    Yes, you can add different types of bikes to the multi-bike policy.

  • Can I add my children to my multi-bike policy?

    You can your children’s bikes to your multi-bike policy. However, the multi-bike policy can only be taken out under one name and the policyholder must be aged 18 years or over.

  • How do I store multiple bikes?

    If you own more than one bike, then storage could be an issue. All bikes must be stored within the boundaries of your insured location which could be inside your home, securely locked garage, shed or cycle storage unit, or within your immediate private garden. If they are stored within your garden, then your bikes need to be locked, through the frame to an immovable object and with a lock designated from our Approved Lock List.

    Investing in mountable bike racks that can be securely mounted on walls or placed on the floor could help keep your multi-bikes organised and out of the way.

  • Can I insure my cycle clothing?

    Yes! If you’re taking part in an upcoming cycling event, then our Race and Compete option means that you can cover up to £200 of cycle clothing that is lost or damaged in a transition area. Include any of your cycle related clothing and equipment in our Accessories Cover and you can cover up to £2,500 worth of kit against theft and accidental damage.

  • How does Cycle Rescue work?

    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
  • Am I covered if I lend, loan, or hire my bike to another person?

    Your 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.

  • What value should I insure my bike for?

    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.

  • What is the maximum value of bikes you insure?

    We are able to offer a quotation up to a maximum value of £20,000 for individual 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 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:

  • Do you only cover UK residents?

    Yes. You must be a UK resident and domiciled in the UK.

  • Is there an excess on this policy?

    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.

  • Can I add or make changes to the policy at any time?

    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.

  • What is the minimum / maximum age to get cover?

    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.

  • I have previously had a criminal conviction. Will this affect my cover?

    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.

  • I have previously made a claim. Will this affect my cover?

    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.

  • Am I covered to take my bike abroad?

    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.

  • Does your policy cover bikes whilst on a plane?

    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.

  • Is my bike only covered at the address I've given? Or will my bike be covered whilst locked at work?

    Providing you follow the security and lock requirements (you can find these here) your 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.

  • I live in a flat and have access to a private, communal cycle storage area. Can I be covered?

    Yes, we can cover 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 Storage 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.

  • Does your policy cover bikes stored outside overnight?

    When your 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.

  • I have accessories on my bike that are non-removable, such as mud guards, and bike pedals. If my bike is stolen, would I need to inform you of these additions? Or can I claim the insured value that I've increased to include the value of the accessories?

    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 call on: 0333 004 3444

  • Do I need specific security on my vehicle or where I keep my bike?

    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.

  • What are your approved locks for bikes?

    It is a condition of your insurance that you use an approved lock appropriate with the value of your 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 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.

Your policy document explorer

For customers whose policy started before 1st January 2021, you can access your policy documents here.

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: or call us on: 0333 004 3444

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