Compare Cheap Bicycle Insurance
You could pay less than £25 for bicycles valued up to £1500*
- Quotes from UK insurance providers
- One short form – save time & money
- Protect your ride from theft & damage
Compare quotes from a wide range of UK insurance providers, including
Why Compare Bicycle Insurance with Mysupermarketcompare.com?
Quick & Easy
Compare bicycle insurance quotes in minutes with our simple online form.
Save Time & Money
Access competitive deals from a panel of UK bicycle insurance specialists.
Trusted Providers
Our FCA regulated partner, Seopa Ltd, provides access to a range of insurers.
Mysupermarketcompare.com is an Introducer Appointed Representative (IAR) of Seopa Ltd (FRN: 313860). Seopa Ltd owns and operates the bicycle insurance comparison service.
*51% of customers with a bicycle valued up to £1500 who obtained a quote for Bicycle Insurance through the service provided by Seopa Ltd during December 2024 were quoted less than £25.27. Using the same calculation for bicycles valued between £1500 and £3000 gave a figure of £51.59 and for bicycles valued over £3000 gave a figure of £103.18. The quote price you could achieve is dependent on your individual circumstances.
What You'll Need to Compare Bicycle Insurance
Bicycle Details
Make, model, value, and any security devices used (e.g., D-lock, chain lock type).
Personal Information
Your name, address, date of birth, and how you primarily use the bicycle.
Cover Preferences
Desired level of cover (e.g., theft, accidental damage, public liability) and any add-ons.
Understanding Bicycle Insurance
Cycling is an increasingly popular mode of transport and leisure activity in the UK, with millions enjoying the benefits of two wheels. From being an environmentally friendly commute to a great form of exercise, the reasons for cycling are numerous. The government's continued investment in cycling infrastructure further encourages this trend.
While bicycles are cost-effective to run, the initial purchase price can be substantial. Many standard road bikes cost £1,000 or more, and high-performance or electric bikes (e-bikes) can easily exceed £5,000 to £10,000. Unfortunately, their portability and value also make them a prime target for thieves, with hundreds of thousands of bicycles stolen across the UK each year.
This is where bicycle insurance from Mysupermarketcompare.com becomes invaluable. It provides financial protection against theft and damage, and can also offer liability cover if you accidentally injure someone or damage their property. For a relatively small premium, you can gain peace of mind knowing your prized possession is protected.
Key Aspects of Bicycle Insurance Coverage
Theft Protection
Covers the cost of replacing your bicycle if it is stolen, subject to security requirements (e.g., approved locks).
Accidental Damage
Protection if your bicycle is damaged in an accident, whether you were riding it or not.
Vandalism Cover
Covers malicious damage to your bicycle when parked or stored.
Public Liability
Crucial cover if you injure someone or damage their property while cycling, protecting you from legal costs.
Personal Accident
Provides a payout if you suffer a serious injury or permanent disability while cycling.
New for Old Replacement
If your bike is stolen or damaged beyond repair, some policies offer a brand new replacement (often for bikes up to a certain age).
Accessories Cover
Protection for items like helmets, GPS devices, lights, and cycling clothing if stolen or damaged with your bike.
Cycle Rescue / Breakdown
Some policies offer assistance if your bike breaks down and you can't complete your journey.
Is Bicycle Insurance Legally Required in the UK?
No, unlike car drivers who must have at least third-party insurance, cyclists in the UK are not legally obligated to have bicycle insurance. However, this doesn't mean it's not a wise investment.
There have been discussions and calls in the past for mandatory bicycle insurance, primarily due to the risk of cyclists being held personally liable for significant costs if they cause an accident resulting in injury to a person or damage to property (like a car). Without public liability cover, these costs would fall directly on the cyclist.
Beyond liability, the primary driver for most cyclists to seek a bicycle insurance policy through Mysupermarketcompare.com is to protect their investment against the high risk of theft and accidental damage.
How Can I Find Cheaper Bicycle Insurance?
Finding affordable bicycle insurance is easier when you compare. Mysupermarketcompare.com helps you do just that. Here are some additional tips:
1. Compare Quotes Diligently
Using a comparison service like Mysupermarketcompare.com is the most effective way to see a range of quotes from different specialist bicycle insurers, significantly increasing your chances of finding a cheap yet comprehensive policy.
2. Invest in Quality Security
Use insurer-approved locks (e.g., Sold Secure Gold, Silver, or Bronze rated based on your bike's value). Insurers may refuse a theft claim if your bike wasn't adequately secured.
3. Register Your Bicycle
Registering your bike on bikeregister.com (the UK's national cycle database) is often free and can sometimes lead to lower premiums or be viewed favorably by insurers.
4. Check Home Insurance (with caution)
Less valuable bikes might be addable to your home insurance. However, check the single item limit, whether it covers theft away from home, and how a claim would affect your home insurance no-claims bonus and future premiums.
5. Be the Sole Rider
Many policies only cover the named policyholder. If you lend your bike and it's damaged or stolen, you might not be covered.
6. Consider a Higher Voluntary Excess
Agreeing to pay a larger portion of any claim yourself (voluntary excess) can reduce your premium, but ensure it's an affordable amount for you.
Compare Bicycle Insurance Quotes in Minutes
Provide a few details about your bike and the cover you need, and Mysupermarketcompare.com will help you compare quotes from specialist UK providers.
1. Your Bike Details
Tell us your bike's make, model, value, and security measures.
2. Your Cover Needs
Specify the type of cover you need (theft, damage, liability etc.).
3. Compare & Save
Get your quotes, compare policies, and choose the best one for you.
Our comparison service is provided in partnership with Seopa Ltd (Quotezone), FCA registered (FRN: 313860).
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What Cyclists Say About Our Comparison Service
"Really good service and price for my bike insurance, thank you. The site was easy to navigate and I found a great deal."
★★★★★
Nicola B.
Bristol, UK
"Value for money, very easy to navigate the online quote form. Will definitely use Mysupermarketcompare.com again for my cycling insurance!"
★★★★★
Lyn W.
Leeds, UK