- Over 25 years protecting UK cyclists
- Trusted by over 750,000 people*
- Specialist cover for commuters, ebike owners, trail riders & more.
Total of all policyholders for all Guardcover products since 2005.
- All claims handled by our friendly UK team
- Optional £5million public liability cover
- Optional £25,000 personal injury cover
Specialist bike insurance from cycleGuard
Insurance for bikes, eBikes and cycling accessories
At cycleGuard, we’ve been protecting cyclists and triathletes across the UK for over 20 years against theft and damage to all types of bike including mountain, folding, electric and road as well as cycling accessories inside the home, away from the home and much more. We’ll even include our multi-bike discount when you add multiple bikes to your policy.
What’s covered with cycleGuard?
The benefits of cycle insurance from cycleGuard
Whichever type of bicycle you ride, we can help provide the cover you need. Our bike insurance includes cover for theft and accidental damage, as well as vandalism, fire and flood damage as standard whether inside the home or away from your home, as well as:
Which Types of Bikes Do we Insure?
Insurance designed to meet the varied needs of cyclists
eBikes
Pay monthly to protect your eBikes at no extra cost
Folding bikes
Pay monthly to protect your folding bike at no extra cost
Mountain bikes
Pay monthly to protect your MTB at no extra cost
Road bikes
Pay monthly to protect your road bike at no extra cost
Racing bikes
Pay monthly to protect your racing bike at no extra cost
Accessible bikes
Pay monthly to protect your accessible bike at no extra cost
specialist insurance for bicycles and accessories
What does a cycleGuard policy cover?
We all try to keep our bikes in the best possible shape, but what happens when you suffer a prang on your way to work or your bike is stolen while it’s locked away? Our bicycle insurance protects cyclists with a range of different covers as standard. So, why not take these policy benefits out for a spin?
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£100,000 Legal Expenses Cover
How can we help if you're involved in an accident?
All our policies now include extra legal protection through our Cycling Legal Expenses cover, which is automatically included with all our policies purchased or renewed after 23rd June 2024
We provide up to £100,000 of legal expenses cover that can help you claim back losses that have resulted from a cycling accident or injury caused in the UK. This includes:
- Claiming back your bicycle insurance policy excess
- Obtaining compensation from the person responsible if you or your passengers have been injured
- Claiming back other losses such as storage charges, loss of earnings or damage to personal effects.
In addition, we also include our Legal & Tax Advice helpline and online support through our Business & Consumer Legal Services portal.
It’s easy to cover your cycling accessories with us. We can cover up to £2,500 of your cycling equipment. Includes light sets, clothing, shoes and more. Mobiles and smartphones excluded.
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£2,500 Accessories Cover
Want to cover your cycling equipment?
It’s easy to cover your cycling accessories with us. We can cover up to £2,500 of your cycling equipment. Includes light sets, clothing, shoes and more. Mobiles and smartphones excluded.
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New for Old Cover
If the worst happens, why should you lose out?
Our cover includes no bike-value depreciation when you use our approved claims service. Market value is available for any cycle clothing.
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Cycle Rescue
Have you broken down while out on your bike?
If your policy start date is from the 1st March 2022 onwards:
We will reimburse you or a member of your family for the cost of a single taxi journey, up to a maximum of £200, to your onward destination or insured location with your insured bicycle, if you are unable to complete your cycling journey in the event of:
- the theft of the insured bicycle, or
- accidental damage to the insured bicycle, or
- irreparable breakdown of the insured bicycle, or
- irreparable puncture to the insured bicycle, or
- an injury whilst cycling the insured bicycle.
Cover applies within the United Kingdom only, and for incidents that occur more than 1 mile from our insured location. A valid receipt from a registered taxi company will be required as proof of expenditure, which can be included within your claim.
If your policy start date is before the 1st March 2022:
You will receive a contact number for "Call Assist" the recovery breakdown providers. We would recommend that you store this number on your mobile phone or in an accessible place when you are out cycling. Call Assist have over 1,500 recovery agents and will despatch the nearest one to recover you and your bike. They will then travel to your location and transport you to the nearest one of the following:
- A suitable cycle repair shop
- An appropriate railway station
- A car rental agency
- The nearest overnight accommodation
- Your home
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Replacement Bike Hire
Is your bike out of action?
If you need a bike after a claim, then we can provide up to £500 for you to hire a replacement.
The optional benefits of cycle insurance from cycleGuard
Want to extend your cover?
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Optional £5m Public Liability
What happens if you're involved in an incident?
With our optional Public Liability cover, we can provide up to £5million to protect against cycling-related claims made against you. Cover not extended to North America.
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Optional Global Travel
30 days of EU travel cover not enough?
Why not extend your cover to 365 days worldwide? Our optional Global Travel cover includes up to £300 in damages to a bike box in transit. Maximum 60 days per trip.
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Optional Personal Injury
Suffered an injury while out on your bike?
We can provide cover for injuries caused by cycling accidents or road-rage incidents. Our Personal Injury option can provide up to £25,000 to cover dental treatment, broken bones and physiotherapy. All incidents to have occurred whilst cycling.
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Optional Race and Compete
Got a triathlon or sportive coming up?
We can be there to support you. Our optional Race and Compete option can provide cover for up to £750 in race entry fees, £500 for associated travel and accommodation costs, as well as up to £200 for clothing items lost in a transition area. Pre-existing illness or injury cannot be covered.
Insurance for bikes from cycleguard
Insurance for leisure, commuter and sports cycling
It doesn’t matter how often you ride, or which kind of bike you own, you could be protected by cycleGuard.
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Commuters
Cover to protect you on the way to work
Whether your daily commute consists of country lanes or busy roads, make sure your bike is insured for the journey and while you’re at work.
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Leisure
Sometimes you just need to take it easy
Racing around isn’t for everyone. If you prefer to take things at your own pace, then we can make sure that you’re covered.
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Sports and Competition
Cover designed to get the best out of the racer in you
Gear up for any upcoming races with our bike insurance. If you’re the competitive type, then we can keep you covered.
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Triathlon
Specialist triathlon insurance
As a triathlete you’ll want a specialist insurance policy. Our cover provides protection for you and your triathlon gear while you’re put through your paces.
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Students
Protect your bike away from home
Whether you ride to your lectures or work, then we can help protect your bike against theft and accidental damage away from home or your halls of residence.
Commuter Cycling Insurance
Great protection for commuter cyclists
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£100,000 Legal Expenses Cover
How can we help if you're involved in an accident?
All our policies now include extra legal protection through our Cycling Legal Expenses cover, which is automatically included with all our policies purchased or renewed after 23rd June 2024
We provide up to £100,000 of legal expenses cover that can help you claim back losses that have resulted from a cycling accident or injury caused in the UK. This includes:
- Claiming back your bicycle insurance policy excess
- Obtaining compensation from the person responsible if you or your passengers have been injured
- Claiming back other losses such as storage charges, loss of earnings or damage to personal effects.
In addition, we also include our Legal & Tax Advice helpline and online support through our Business & Consumer Legal Services portal.
It’s easy to cover your cycling accessories with us. We can cover up to £2,500 of your cycling equipment. Includes light sets, clothing, shoes and more. Mobiles and smartphones excluded.
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Accidental Damage
If you’ve hit a pothole or taken that corner just a little too hard
We’re here to get you riding again. Our bike insurance includes accidental damage, as well as damage caused by attempted theft and vandalism as standard. Excludes wear and tear.
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Multi-bike Discount
The more bikes you insure, the more you save
If you’ve got a shed full of bikes, including family members who live with you, then you can include them all on one policy to receive our Multi-bike Discount. Up to 10 bikes can be specified per policy.
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Optional Personal Injury
Sometimes accidents do happen
Which is why we offer extended cover for injuries caused by cycling accidents or road-rage incidents. Our Personal Injury option can provide up to £25,000 to cover dental treatment, broken bones and physiotherapy. All incidents to have occurred whilst cycling.
Triathlon bike Insurance
Specialist insurance for triathletes
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£2,500 Accessories Cover
Triathlon equipment doesn’t come cheap
That’s why we can cover up to £2,500 of your triathlon accessories. Include your wetsuits, your triathlon shoes and more against theft, accidental damage and vandalism. Mobiles and smartphones excluded.
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In-Vehicle Cover
Protect your bike while it’s in your car
If you’re travelling to and from your races, then our insurance includes cover for theft of your bike and cycling equipment when left unattended in your car. Storage and vehicle security requirements apply.
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Optional Race and Compete
Get extra protection for your upcoming triathlon
Our Race and Compete extension can cover you whilst competing in amateur triathlon or duathlon events. With cover that extends to transition areas for your bike and kit and also includes up to £750 race fee cover and up to £500 in associated accommodation costs. Our cover also includes triathlon clothing lost in transition. Pre-existing illness or injury cannot be covered.
Making a claim with cycleGuard
We’ve made making a claim so easy
If you've suffered damage to or theft of your bike, we know how distressing it can be. That's why we'll do everything possible to deal with your claim promptly and get you back out cycling again. Our easy-to-use claims process is listed below with some helpful information regarding what to do if you need to make a claim.
1. Call the police
If you’ve been the victim of theft or malicious damage, your first port of call should be to inform the police.
2. Contact our claims team
Contact our in-house UK team to make your claim.
You can call us on: 0333 004 1999 to get started, or alternatively, you can email us with details of your claim at: claims@guardcover.co.uk
3. Make your claim
We'll provide you with your claim reference and talk you through the next steps. Should we need any further information to help process your claim, we can explain what's needed and support you.
cycleGuard customers say this...
We pride ourselves on delivering a personal service to every cyclist that we help protect. You don't have to take our word for it though, check out some of our independent reviews to see what our customers have to say! If you'd like to leave your opinion, good or bad we encourage you to submit a review too.
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