While you might not think you need it, bicycle insurance is the best way to protect you and your bike from any mishaps.
From personal protection and third-party liability through to covering damage or – in the worst case – your bike being stolen, bike insurance is a relatively cheap way to stay covered, whatever you ride.
Although not required by law to ride on the road in the UK, it's a good idea to have public liability cover in case you cause damage or injure someone else when out on your bike.
And although a lot of people will rely on their contents insurance to protect their bike if it’s stolen, your bike is generally only covered when it's in the home, and you could increase your annual cover’s cost if you need to make a claim.
For peace of mind, it’s therefore worth looking to cycle-specific insurance. Not only will a policy protect you if your bike is stolen, but some include features such as cover when travelling and personal injury insurance.
Another thing to note is that, if you’re a member of an organisation such as British Cycling or Cycle UK, you get a discount with their preferred provider as part of your annual membership – as well as a number of other benefits such as discounts and access to events.
Not sure where to start in your search for the best bicycle insurance for you? The below selection is the best cycle-specific providers around.
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