Many people do overlook the need for specialist cycle insurance. Cycles are relatively easy to steal and resell, they don’t have the security devices that cars benefit from and many cycle users don’t have liability cover to protect them from third party claims. There are now over 23 million cycles in the UK and only a fraction will be covered by specialist cycle insurance.
Around 60% of the cycles in the UK are used for commuting or professional work. Obviously the more you use your cycle, the more likely you are to suffer from theft, accidental damage or be involved in (or cause) a road accident. Whilst a cycle commuter may be financially able to replace their bicycle, they are less likely to be able to cover the costs of a third party claim. Cycleguard insurance provides a public liability insurance option, which covers you should you cause injury or damage to another person or their property. The cover can extend up to £5,000,000 of cover to provide a significant amount of third party liability cover.
Even if you only use your cycle at the weekends, it’s worth getting a cycle insurance quote from a specialist. Many home contents policy will not cover items like cycles if they are over a certain value or they are taken away from the home. If you take your cycles away at weekends, they may also not be covered if you transport them on a car rack – so check with your home insurer. Cycleguard insurance offer an in vehicle option which also covers your cycles whilst ‘on’ a vehicle rack (as long as you apply the necessary security requirements).

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