Racing Bike Insurance

Protecting UK cyclists for over 20 years

Key features

We’ll help you lead the pack with insurance that is every bit as competitive as you are. Whether you’re racing across the mountain tops of Europe or taking in the thrills of downhill and four-cross, our Race and Compete cover option is designed for you. Extending your cover to cycle events and competitions is just the start – we will also cover up to £750 of race fees and £500 of associated travel and accommodation costs if the worst happens and injury stops you from making it to the start line (other eventualities are also covered). We can even provide up to £200 to cover clothing lost in transition areas while you compete. 

cyclist thrown off bike

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 bicycle 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 insurance

In-Vehicle Cover

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

cyclist rescue

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 bike

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 bike insurance

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.

racing bike hire

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.

racing helmet and water bottle


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

The only thing worse than having a race cancelled that you've spent all month looking forward to, is being left out of pocket as a result. Our cover is designed for serious competitors, which is why we offer our Race & Compete cover option to make sure that you aren't left behind if you can't make the big race. So, if you've suffered an injury in the run-up or if the weather takes a turn for the worst, with our Race & Compete cover we can provide up to £750 to cover your race fees and up to £500 towards travel and accommodation costs. You can even cover your bike anywhere in the world up to 60 days at a time with our Global travel option. Take a look at what we can offer you with our specialised, extended policies below.

global racing bike cover

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.

PL for racers

£5m Public Liability

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

heading towards the finish line

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.