Specialist cycling insurance through Insure4Sport
Whether you’re a passionate cyclist enjoying the open road or a cycling instructor coaching clients, risks like theft, damage to your cycling related equipment, or third-party accidents can catch you off guard when riding.
Specialist cycle insurance through Insure4Sport can help financially protect you against certain cycling-related risks, with cover for Public Liability, damage to your cycling related equipment, and other options you choose to add.
Please note: Bicycles are not covered under a cycling insurance policy through Insure4Sport, however you can get a quick online quote for your bike through Cycleplan, part of the Ripe group.
Why choose Insure4Sport for cycling insurance?
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FREE Multi-Sports Cover
Insure4sport arranges multi-sport cover for over 400 sports & activities.
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FREE £250 Equipment Cover
Get cover for theft, loss or accidental damage of your equipment when purchasing a policy.
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Rated 'Excellent' on Trustpilot
Rated Excellent on Trustpilot and insurance provided by Aviva.
Types of cycle insurance
There is a range of cycle insurance options available to you through Insure4Sport, including:
Cycling insurance: If you’re a casual cyclist or BMX enthusiast, then standard individual cycling insurance may be suitable—it includes cycling Public Liability, and Personal Accident cover.
Cycling instructor insurance: Are you a cycling instructor? This option can include cover such as Professional Indemnity, Employers’ Liability, and cover for cycling related equipment. View our fitness class insurance page for more information.
Cycling team insurance: If you’re part of a cycling team, you can select this form of cover to protect yourself and members against claims for injury or damage during training.
What does cycle insurance cover?
Cycling insurance
- Public liability – up to £5m for accidental bodily injury to a third party and accidental damage to third-party property
- Personal accident – covers accidental injury or death, dental treatment, and more following an accident as a result of cycling
- Theft, loss and damage to cycling related equipment
- Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
- Loss of earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies
Please note: Bikes are not covered under equipment as part of a cycling insurance policy through Insure4Sport. For bike insurance get a quick online quote from our sister company Cycleplan.
- Worldwide cover up to 180 days per year
- Any claims not arising from your participation in cycling
- Damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for the purpose of cycling)
- Loss or theft of any cycle related equipment left unattended unless there is evidence of forced entry and/or exit to or from any premises, changing room, or any securely locked locker or similar places of storage
- Any claims for cycling equipment where you cannot provide evidence of ownership
- Theft, loss or damage to mobile phones
For more information visit our Important Documents Page.
Why consider cycle insurance?
Cycling is a great way to enjoy the outdoors, but accidents can happen when you’re out exploring. You could accidentally collide with another cyclist on the road, leading to a claim for injuries caused to the cyclist, or find your bike helmet has been stolen from home.
Specialist cycle insurance through Insure4Sport, including BMX insurance for those who enjoy tricks and dirt tracks, can help provide financial protection in these situations.
For cycling instructors, there’s also a risk of third-party claims if a client is injured during a session. Cycling insurance could help financially protect your business against the cost of these claims. You may also find these health and safety tips for sports coaches helpful.
FREE multi-sports cover
Teach more than just cycling lessons? Whether it’s indoor cycling, yoga, or Pilates, you can benefit from free multi-sports cover when you take out insurance for more than one activity.
Looking for cycle club insurance?
Do you run a road cycling or BMX club? Discover how you can help financially protect your club through cycle insurance, including buildings and contents cover for your track, studio, or venue.
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Cycling insurance isn’t a legal requirement, whether you’re a casual rider or enjoy coaching others. However, you may want to consider it for financial protection if something goes wrong—for example, to cover loss of earnings if you’re injured while cycling, or damage to your cycling related equipment.
Enjoy other activities or sports alongside cycling? We arrange insurance for multiple outdoor and adventure sports.
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The amount you’ll pay for a cycling insurance policy through Insure4Sport depends on the type and level of cover you select. You can get a quick online quote to learn the cost of your cover.
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Public liability cover can help protect you financially if a third party claims for injury or property damage. For example, if you accidentally run into another cyclist on a trail and cause injury or damage to their bike, this cover could help with the associated costs.
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