Insurance cover for bicycles

Average customer rating: 4.3/5
Written by Kenneth Young
Reviewed by Adrian Taylor
Updated 17 April 2024

How to insure your bicycle

Bicycles and e-bikes are often excluded from basic home and contents policies. However, you may be able to purchase personal effects cover to include them. This is typically an optional extra and may add to the cost of your insurance policy.

Alternatively, standalone bicycle insurance policies do exist through specialty underwriters and insurers.

Contents insurance

Specialist bicycle insurers

How does contents insurance for bicycles work?

When including your bicycle under your contents insurance policy, you may have the option of choosing between ‘specified’ and ‘unspecified’ cover:

  • Specified cover. This type of insurance covers your bike for a specific value; you’ll need to provide a few details about the bike, including its make, model and price. This may cost more than unspecified cover.
  • Unspecified cover. With unspecified cover, your insurance company can cover your bike for a set value. If the unspecified cover doesn’t meet the full cost of replacing or repairing your bicycle, you’ll need to pay the rest of the cost out-of-pocket.

Inclusions and exclusions

What can you insure bicycles for?

What isn’t included in bicycle cover?

Premiums and claims

How much does insurance for bicycles cost?

How to make an insurance claim for your bicycle

Meet our home and contents expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance at Compare the Market, Adrian Taylor works to make it easier for homeowners, renters and landlords to protect their home and contents. He believes it’s important for all residents (whether they rent, own or lease) to have adequate financial cover for their property and belongings in case the worse should happen.