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Bicycle insurance

Whichever type of bicycle you ride, protect it with specialist cycle insurance through our partner, cycleGuard. Enjoy 15% discount too! Discount applied at checkout.

Why choose specialist cycle insurance with Endsleigh’s partner cycleGuard?

Here are a few key features of cycleGuard’s specialist cycle insurance (excesses, exclusions and limitations apply).

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Buy online quickly

Time is precious. You can use your mobile, tablet or computer to buy cycleGuard’s cycle insurance online!

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Lots of cover options for you to tailor your policy

Whatever your requirements, you’re able to tailor cycleGuard’s policy to suit your needs.

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Voted ‘Excellent’ on Trustpilot

For their high levels of service to their customers

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Cover in the UK and 30 days in the EU

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Interest free monNew for old replacementthly payments

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New for old replacement

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24/7 Cycle Rescue

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Up to £2,500 Cycling Accessories Cover available

Flexible cover options to suit your budget

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Flexible cover options to suit your budget

What is cycle insurance?


Cycling is a cheap and healthy alternative to driving or using public transport. Specialist cycle insurance is designed to help you enjoy the ride, whilst protecting your bike against theft, accidental damage, vandalism, fire flood damage and more. All types of bikes are covered including mountain, folding, electric and road, not to mention cycling accessories. If you’re using pedal power as a cheaper alternative, you’ll likely want to make sure your bike is protected!

Staying in student accommodation?

You may already have insurance through your accommodation provider! To make sure you don’t take out cover you don’t need, check and confirm your cover today via the My Endsleigh app.

Cycle insurance FAQs

Have questions about cycle insurance, or not sure whether you need it to protect your bicycle or accessories? Check out our frequently asked questions below.

Do I need cycle insurance?

Insuring your bicycle can be the sensible thing to do as this will ensure you’re protected against the unexpected should the worst happen. It’s also worth bearing in mind that some bicycles can be expensive to replace – so if you couldn’t afford to buy a new one, then cycle insurance could be the best option.

Do I need cycle insurance at university?

If you’re planning on taking your bicycle with you to university, then you may want to consider insurance so you’re not left out of pocked in the event of accidental damage, theft, vandalism and more – especially when you’re living on a student budget.

While you may already have some cover in place under your parents’ household policy, double check if and where your bicycle is covered whilst you are living away from the family home.

Is my bicycle covered under my family’s home insurance?

There may be times when your parent’s insurance policy will extend cover to your bike when you are living away from the family home. However, this is not always the case, so it’s important to speak to the home insurance provider to check what’s covered.

Even if cover is provided under your home insurance policy, you may find that it isn’t as comprehensive as the cover you could benefit from with a separate specialist cycle insurance policy. For example, you may not be covered on a new for old basis or when your bike is used away from your student accommodation.

What else is included with cycle insurance?

As part of cycleGuard’s standard cycle insurance, you’ll receive 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:

  • Cover in the UK and 30 days EU travel
  • Multi-Bike Discount
  • Up to £2,500 cycling accessories cover
  • 24/7 Cycle Rescue recovery
  • New for Old Cover
  • Replacement Bike Hire
  • Interest free 0% monthly payments

There is also the option to extend your cover to include:

  • £5m Public Liability
  • Global Travel
  • Personal Injury
  • Race and Compete cover

Terms and conditions apply – find out more at cycleGuard

How do I know which is the best cycle insurance for me?

It can be tempting to go with the cheapest quote, but you may find that certain policies are less expensive because they exclude essential covers you may require.

Before choosing a policy, you may want to compare different insurers to make sure your bicycle will have the protection it requires.

Making sure cycle insurance has everything you need, as well as being an affordable price, will help you decide the right policy for you.

How does cycle insurance work?

From obtaining a cycle insurance quote to making a claim, here’s a step-by-step guide to how cycle cover works:

Step 1 – Get a quote

Getting an online quote is quick and easy. We partner with cycleGuard for cycle insurance, which means you can get a quote quickly! All you need to do is input a few details about yourself and your bicycle.

Step 2 – Set up your policy

If you’re happy with the price, you just need to pay for your policy by following the on-screen instructions.

Step 3 – Enjoy your bicycle

Once your specialist cycle insurance policy is set up, you can head out and enjoy the ride.

Step 4 – Make a claim should you need to

Should the unexpected happen to your bicycle, you’ll need to get in touch with cycleGuard to make a claim. Once you’ve submitted your claim, it’s been accepted and you’ve paid your excess, your bicycle will either be repaired or replaced.

How do I make a claim?

To make a claim, contact cycleGuard’s claim team on 0333 004 199 or email them at claims@guardcover.co.uk as soon as possible to report the claim, complete the required steps and provide the requested information (like proof of ownership).

Interested in cycle insurance?

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