RCUK Instant Expert Guide To Bike Insurance

Your bike

Bikes are expensive. Having bought one once, the last thing you want to have to do is to buy it again. But that’s just what could happen if your bike gets stolen.

Obviously it’s best to avoid getting it nicked in the first place, so keeping it somewhere secure and making sure it’s locked if you ever leave it anywhere (and that includes on the roof of your car) is an excellent idea. But it’s also a good idea to have a backup plan, and that’s where insurance comes in.

Where to start? Adding bikes to a household contents policy is a popular option, although getting insurers to cover high-value bikes (and many consider anything over £200 to be “high value”) can be a challenge. Specialist bike insurers ought to be able to do a better job. Some will insure your bike against accidental damage while riding or even racing.

Make sure you check all the policy conditions before taking out any insurance, though. You may find that your bike’s covered while it’s inside your house, but not in an outbuilding, or in your car, or on a roof rack. And if you like to travel, ensure that your bike is covered in foreign parts. Which brings us to:


Insuring your bike is a good idea. Insuring yourself is vital, especially if you’re riding abroad. In the UK, charitable organisations like the Air Ambulance or Mountain Rescue will scrape you off the trail and then the NHS will patch you up. In many other countries in the world, you’ll end up staring down the barrel of a huge bill – helicopter rescue, hospital admission, treatment, possibly repatriation to the UK. It can easily run to thousands. So travel insurance to cover that eventuality is a must.

Choose with care, though. There’s no point having insurance if it doesn’t cover your particular circumstances. While most travel policies cover you for “cycling”, many specifically exclude mountain biking. Or the policy conditions will have excitingly ambiguous descriptions like “stunt riding” or “extreme mountain biking”. Speak to the insurers, tell them exactly what you’ll be doing and make sure you’re covered. And if they don’t understand what you’re talking about, go elsewhere.

Mike Davis
Editor of on behalf of RCUK

We aim to offer more benefits than our competitors at a lower price. From as little as 33p a week, every policy includes

• Cover for theft, accidental damage and vandalism (new-for-old and race cover included).
• Personal accident cover up to £20,000.
• Third party cover up to £1m.
• Breakdown cover for you and your bicycle (worth £34).
• 90 days’ European cover.
• 60 days’ worldwide cover.
• ‘Get you home’ –a taxi home should your bike be stolen or damaged.
• Covers custom bikes.
• No claims discount up to 40%.
• Discount of 40% for folding bikes.
• Hire bike should your bike be stolen or damaged.

Since 1982 Butterworth Insurance Services have been providing quality insurance cover for all kinds of cyclists, with affordable premiums, superb claims handling service and the reassurance of specialist underwriters.

• Approved by CTC, LCC, Sustrans and BTF.
• ‘New for Old’ insurance cover.
• Leisure and competition use available.
• Includes Public Liability and Personal Accident options.
• No Claims Discounts available.

For details and on-line quotation click here.


Newsletter Terms & Conditions

Please enter your email so we can keep you updated with news, features and the latest offers. If you are not interested you can unsubscribe at any time. We will never sell your data and you'll only get messages from us and our partners whose products and services we think you'll enjoy.

Read our full Privacy Policy as well as Terms & Conditions.