Pedalsure is specialist bike insurance for people who actually ride. We cover bikes worth £400 to £15,000, up to five bikes on one policy, against theft and accidental damage at home and away from it — with a price that does not change during the policy year, even if you claim.
Cover starts from £2.47 a month. A quote takes about two minutes, and you can hold your price for 30 days before you decide. And under our Claims Promise we assess any claim within 24 hours of receiving it.
More than 50,000 cyclists are covered with us, protecting over £110 million of bikes, and we're rated 4.7 stars.
Home insurance treats your bike as one item among your possessions. Specialist bike insurance treats it as the thing you ride, in the places you ride it. Three things separate the two.
Cover away from home. A Pedalsure policy covers theft and accidental damage whether the bike is at home or out and about, subject to our security requirements. Most home contents policies cover a bike away from the property only as an optional extension, if at all.
A limit that fits the bike. We insure individual bikes from £400 up to £15,000. AXA's home insurance, by comparison, publishes a limit of £350 per bicycle and £1,500 per claim where several bikes are stolen together. (Source: axa.co.uk, verified 19 August 2026.) For anything beyond a supermarket bike, that gap is the whole argument.
Claiming doesn't cost you your home cover. A bike claim on a home policy affects your home no-claims position and your renewal premium for everything under your roof. A bike claim on a bike policy affects only your bike cover. And with Pedalsure, your price will not change during the policy year, whether or not you claim.
| Cover | What it does |
|---|---|
| Theft | Theft of your bike at home or away from home, subject to the security requirements below |
| Accidental and malicious damage | Crash damage, potholes, vandalism |
| Accessories, clothing and bike boxes | Equipment fitted to the bike, specialist clothing including tri suits, and bike boxes — covered when the bike is stolen, or suffers accidental damage, at the same time |
| Replacement bike hire | Up to £500 per policy year while your bike is repaired or replaced on an approved claim — and also if an airline fails to deliver your bike to a destination outside the UK |
| Personal accident | Three benefit levels — Bronze, Silver and Gold — for injury while riding, mounting or dismounting your bike |
| Loss of earnings | If selected and shown on your Policy Schedule, up to 75% of your average weekly wage after deductions, for up to 52 weeks, if you can't work after a cycling accident — after a 14-day deferral period |
| Personal liability | If you injure someone or damage their property while cycling |
| Overseas and transit | Worldwide cover for 30 or 60 days a year as a paid extension |
| Sportives, races and time trials | Available as a paid extension — see the note below |
Read the detail: everything we cover, with every limit and every exclusion →
Personal accident, the bike itself and personal liability are separate, selectable cover sections. Overseas cover and competition cover are paid extensions. That is how a £2.47 starting price is possible — you are not paying for cover you will never use.
It also means you need to check your schedule. Two conditions catch people out and we would rather you knew now than at claim time:
Most insurers won't put a number on a page. Here are ours.
| Bike value | Rider age | Postcode | Monthly | Annual (incl. IPT) |
|---|---|---|---|---|
| £400 | 30 | SW1A 1AA | £2.47 | £29.68 |
| £2,000 | 35 | SW1A 1AA | £9.62 | £115.40 |
Personal accident cover on its own — no bike, just you — costs £4.83 a month for Bronze, £9.66 for Silver and £14.50 for Gold.
Two things that don't change your price: claiming during the policy year (your price does not change during the policy year), and finding it cheaper elsewhere afterwards — our Price Match Promise means that if you find a cheaper quote for the same cover within 7 days of buying, we'll match it.
| Feature | Pedalsure bike insurance | Typical home contents insurance |
|---|---|---|
| Single-bike limit | £400 to £15,000 | Often £350–£2,000; AXA publishes £350 per bicycle |
| Theft away from home | Covered as standard, subject to security requirements | Usually an optional extension, sometimes unavailable |
| Accidental damage while riding | Covered | Rarely covered — "accidental damage" usually means in the home |
| Number of bikes | Up to 5, combined £30,000 | Counts against your total contents sum insured |
| Effect of a claim | No effect on your home policy | Affects your home no-claims discount and renewal |
| Personal liability while cycling | Available | Sometimes included, sometimes not |
| Replacement bike hire | Up to £500 | Not offered |
| Loss of earnings after a cycling accident | Up to 75% of wage, to 52 weeks | Not offered |
| Cover for racing and sportives | Available for an additional premium | Almost always excluded |
Rule of thumb. If your bike is worth less than your home policy's single-article limit, you never ride it anywhere you'd have to lock it, and you don't ride events, home insurance may be enough. Beyond that, the maths stops working.
Read the full comparison: does home insurance cover my bike? →
Publishing this is unusual. We think you should be able to read it before you buy rather than after you claim.
Most claim disputes in this category come down to the lock. Ours are simple and we publish them.
| Bike value | Lock you need |
|---|---|
| £1,000 or under | Sold Secure Silver or Gold rated lock, or a Thatcham-approved motorcycle lock |
| More than £1,000 | Sold Secure Gold rated lock, or a Thatcham-approved motorcycle lock |
And in every case: lock the bike through the frame to an immovable object. We recommend locking through the seat tube and the rear wheel. Wheels and tyres are only covered if they're secured to the frame or to an immovable object by an approved lock.
An immovable object means: any solid object fixed in or onto concrete or stone that can't be undone, removed with the bike, or lifted over or under it; a properly fixed vehicle roof rack or bike rack; or a bike rack supplied by a train station for securing bikes.
Time limits. Away from home, don't leave the bike for more than 12 hours — or 24 hours if it's at your place of employment or in a cycle rack inside a railway station.
Two conditions worth setting a reminder for:
Need a lock that qualifies? Pedalsure customers get up to 40% off Hiplok — the Hiplok DX for £30 (Sold Secure Diamond), Hiplok Gold for £40 and Hiplok E-DX for £50, one lock per bike, up to five.
The Hiplok DX satisfies our Gold-or-above requirement at any bike value: Sold Secure Diamond sits above Gold on Sold Secure's own rating scale.
| Page | For |
|---|---|
| Electric bike insurance | Road-legal EAPCs, including the twist-and-go rule |
| Road bike insurance | Training, club riding, sportives and time trials |
| Mountain bike insurance | Trail centres, uplift days and enduro |
| Commuter cycle insurance | Daily riding, and the 24-hour rule at work and stations |
| Cargo bike insurance | School runs and family loads — note that courier and delivery use is excluded |
| Triathlon bike insurance | Tri and duathlon, including transition and the race-premium rule |
| Folding bike insurance | Bromptons, Terns and GoCycles — and what happens when it's folded and carried |
| Bike theft insurance | Theft cover explained in full, with UK theft data |
Report a bodily injury claim within 28 days of the accident.
One thing to get right at the start: insure the bike for its current equivalent replacement cost, not what you paid. If your sum insured is lower than the bike's value, any settlement is reduced proportionately. Sale prices and end-of-season deals are not what a replacement will cost you.
You can buy a Pedalsure policy if:
If you're insuring an e-bike, it must be legal for UK road use as an electrically assisted pedal cycle (EAPC) and not treated as a motor vehicle. Twist-and-go EAPCs are not eligible unless the throttle only works in walk mode.
Pedalsure has been insuring cyclists since 2014. Your policy is arranged by Pedalsure No3 Limited, an Appointed Representative of Pro MGA Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority under reference 770419.
Your cover is underwritten by Dukes House Insurance Limited, registered in the Bailiwick of Guernsey (company number 66539) and authorised and regulated by the Guernsey Financial Services Commission, registration number 2522730. Dukes House Insurance Limited is not party to the UK Financial Services Compensation Scheme.
Get your price in about two minutes. Hold it for 30 days while you decide. Your price won't change during the policy year.