Cycleplan: Bicycle & Cycling Insurance

Bicycle insurance vs home insurance?

Many cyclists rely on home insurance to protect their bike, but this type of cover often does not extend to the same level of protection when the bike is being used out on the road. While some policies include bicycles as part of your contents, cover can be limited, especially for theft or damage away from home.

Do I need bicycle insurance?

Regardless of how often you ride, the financial risks are more common than most cyclists realise. In 2025, there were over 52,000 reported bike thefts in the UK - but with an estimated 70% of thefts going unreported, the real figure could be closer to 183,000. That's around 500 bikes a day. And theft is only part of the picture.

Who is bicycle insurance for?

Bike insurance is designed for anyone who owns a bike. Regardless of how often you ride or even how much your bike is worth (up to £30k), you can get insurance to suit your needs through Cycleplan. Obviously, not everyone considers themselves a cycling pro—so that’s why you don’t have to be one to get cover. Whatever stage of your cycling journey you’re at, Cycleplan is here to help.

Can I insure my cycling clothing?

Through Cycleplan, you can cover your cycling accessories up to a combined total value of £1,000. This could include your helmet, shoes, jerseys, vests, glasses, goggles, helmet-mounted cameras, GPS units, and lights where there’s also a successful claim to your bike.

Can I cover more than one bike on a policy?

Yes, multi-bike insurance through Cycleplan allows you to cover multiple bikes on one policy. What’s more—if you add more than one bike to your policy, you’ll also get a 10% premium discount on all bikes (excluding the one with the highest value).