How to get cycling insurance and what to look for

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Cycling is a popular activity in the UK, enjoyed by people of all ages and abilities. However, accidents can happen, and cyclists are at risk of injury or damage to their bike. Getting cycling insurance is a way to protect yourself and your bike from the financial impact of accidents and theft. In this article, we will discuss how to get cycling insurance in the UK.

Types of Cycling Insurance

There are various types of cycling insurance available in the UK, including:

  1. Personal Accident Insurance: This type of insurance covers the policyholder for injuries sustained while cycling, such as broken bones, cuts, or bruises.
  2. Liability Insurance: Liability insurance covers the policyholder for any damage or injury caused to another person or property while cycling. This is particularly important for cyclists who commute or participate in group rides.
  3. Bicycle Insurance: Bicycle insurance covers the policyholder for the theft or damage of their bike. This type of insurance can also cover accessories such as lights and panniers.

How to Get Cycling Insurance

  1. Shop Around: It’s essential to shop around for cycling insurance to get the best deal. Many insurance providers offer cycling insurance, and it’s worth comparing the policies and prices to find one that suits your needs and budget. A popular choice at the moment is Laka.
  2. Check Your Home Insurance: Some home insurance policies may cover your bike, so it’s worth checking your policy to see if you’re already covered. However, this coverage may not be sufficient, so it’s worth considering a dedicated cycling insurance policy.
  3. Consider Your Needs: Consider what you need from cycling insurance. If you only cycle occasionally, you may not need a comprehensive policy. However, if you cycle regularly or commute, you may want to consider a policy that includes liability insurance.
  4. Check the Policy Details: Before signing up for cycling insurance, check the policy details carefully. Ensure you understand what is covered, the excess you’ll need to pay if you make a claim, and any exclusions that may apply.
  5. Declare Pre-Existing Medical Conditions: If you have any pre-existing medical conditions that could affect your ability to cycle or increase the risk of injury, you must declare these to your insurance provider. Failure to do so could invalidate your policy.
  6. Renew Your Policy: Remember to renew your cycling insurance policy annually to ensure you remain covered.

Benefits of Cycling Insurance

  1. Peace of Mind: Cycling insurance provides peace of mind that you and your bike are covered if anything goes wrong.
  2. Financial Protection: Cycling insurance can protect you from the financial impact of accidents, theft, or damage to your bike.
  3. Legal Protection: Liability insurance can protect you from legal costs if you cause damage or injury to another person or property while cycling.
  4. Assistance and Support: Many cycling insurance policies include additional benefits, such as roadside assistance and legal support.


Cycling insurance is an essential consideration for anyone who regularly cycles, commutes by bike, or participates in group rides. There are various types of cycling insurance available in the UK, and it’s important to shop around to find the best policy to suit your needs and budget. By getting cycling insurance, you can enjoy the benefits of cycling with peace of mind, knowing that you and your bike are covered.

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