Bicycle Insurance
Learn how bicycle insurance works and what to consider so you can drive with confidence on UK roads.
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What is bicycle insurance?
Bicycle Insurance is a type of insurance that can protect against theft, vandalism and certain accidental damage, providing the funds to fix the problem. With more than 77,000 push bikes reported stolen in England and Wales in 2021/2022**, Bicycle Insurance can help replace your cycle if the worst happens.
Some Bicycle Insurance providers also include liability cover, protecting your finances if you’re held liable for damaging someone or something whilst riding your bike. Unlike vehicle drivers, cyclists are under no obligation to insure a bicycle in the UK to be on the road. However, cyclists can risk being held personally liable if they cause an accident through negligence or reckless driving.
Ready to get a free quote and compare your bicycle insurance options?
How much can bicycle insurance cost?
Less than £27.06 a month
51% of customers with a bicycle valued up to £1,500 who obtained a bicycle insurance quote through this service (Seopa) in June 2025 were quoted less than £27.06.
Around £48.48 a month
Using the same calculation for bicycles valued between £1500 and £3000 gave a figure of £48.48.
Around £102.54 a month
And for bicycles valued over £3000 gave a figure of £102.54. The quote price you could achieve is dependent on your individual circumstances.
What can bicycle insurance cover?
Depending on the type of cover and insurer you choose, some of the following may be included.
Covers if your bicycle is stolen
Legal cover
Public liability
Travel cover abroad
Personal accident cover
Accessory cover
Hugo’s helpful notes:
The scope of coverage is dependent on the insurance provider you choose. Please carefully read insurance policy wording to understand what is covered and what is excluded in your bicycle insurance policy.
The insurance comparison service here is being provided by Seopa Ltd, who are regulated and authorised by the Financial Conduct Authority (FCA FRN 313860). Protect Line Ltd will receive a commission for introductions made to insurers which result in a policy being purchased.
FAQs
Got questions? Here are some of the most common ones.
Can I trust you and your insurance providers?
Protect Line was founded in 2010 and has since grown into one of the UK’s largest and leading life insurance brokerages, employing 250+ staff nationwide. Winning multiple consumer awards each year and receiving thousands of five star ratings on Trustpilot, Google and Smart Money People, Protect Line is a highly trusted company.
We are fully authorised and regulated by the Financial Conduct Authority, entered on the Financial Services Register (www.fca.org.uk/register) under reference 942467. We are also registered with the Information Commissioner’s Office (ICO) to meet data protection standards and adhere to the Advertising Standards Authority (ASA) rules to ensure our advertising is always clear, fair and not misleading.
Read moreDo you have any job vacancies?
Protect Line is one of the largest life insurance brokers in the United Kingdom. We employ hundreds of people to ensure we can protect as many British families as possible and provide our valued customers with the best possible experience.
Interested in joining our team? Visit Protect Line Careers for the latest job vacancies and speak with our friendly recruitment team.
Read moreProtect Line is a free service. How does it make money?
Protect Line is a fee-free broker, which means we do not charge any upfront or separate charges for our brokerage service. At no point will you be billed for any service received or administration regarding setting up or managing your policy.
Our service is free for you because we are paid introducer fees by the insurance provider you choose.
As an independent broker we are not biased towards any one insurance provider. As a non-advised broker we are not allowed to recommend a particular insurer or product, only providing the facts. This means that any decision you make is purely yours and never influenced by how much money we may receive.
Protect Line receives an upfront commission for selling you a life insurance policy, but we are required to pay this back if you cancel your policy during a set timeframe. For this reason we are incentivised to ensure you are happy with your policy; it is not in our financial interest to pressure you into a product that you are not comfortable with.
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