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What does our bicycle insurance cover?

*Bikes must be secured with a lock that meets ‘Sold Secure Gold’ standards and be less than 3 years old.

Bullet Point

Cover from £3 per month!*

That’s probably less than a hot drink at your favourite coffee house! *For a £200 bike on campus, based on a student living in Bath.

Bullet Point

Theft, loss and accidental damage

Cover against theft, loss and accidental damage* anywhere in the UK, up to 90 days worldwide.

Bullet Point

24 hour replacement

If you rely on your bike for getting around, you won’t want to be without it for too long – we’ll replace your bike within 24 hours of your claim being approved (if stolen or unrepairable).

Bullet Point

Worldwide protection

Heading off on a cycling holiday? Your bike is protected anywhere in the UK and for up to 90 days worldwide.

Studying at uni? Protect your stuff for as little as £8 per month!

With an Everywhere Student Pack you can pack up your cover in one easy policy up to £1,000, £1,500 or £2,500 to protect your student items everywhere, both on and off campus!

What's covered?

  • Items with a replacement cost up to £500 with a £1,000 pack, £750 with a £1,500 pack or £1,250 with a £2,500 pack.
  • 24 hour replacement once your claim is approved (if item is stolen or unrepairable).
  • Theft
  • Accidental and malicious damage, including cracked screens
  • Flood and fire
  • Mechanical breakdown
  • Protection anywhere in the UK, up to 90 days worldwide
  • No excess applies to claims for theft, assault and mugging, malicious damage, or arson

What's not covered?

  • Your excess
  • Mechanical breakdown before the expiry of the manufacturer's warranty
  • Gadgets and mobile phones more than 3 years old at the start of the policy
  • Cosmetic damage that doesn't affect operation
  • Money
  • Musical instruments and bicycles
  • Accidental loss (unless added as an optional extra)
  • Any gadget or mobile where you cannot provide proof of purchase

Bicycle insurance: Your questions answered

Not sure what cover you need to protect your bicycle, either at home, at university or abroad? To help you out, we’ve answered your most frequently asked questions below.

What is bicycle insurance?

 As fun and environmentally friendly as cycling is, there are also risks to taking your bike out and about. For example, there may be times where you have to leave your bike secured in a public place, putting it at risk of theft or damage.

Bicycle insurance is designed to protect your bike against unexpected loss or physical damage, such as theft or accidental damage caused by the owner.

Read our tips for staying safe while cycling.

Do I need bicycle insurance? 

When it comes to insurance, the general rule of thumb is: If you couldn’t afford to replace it, then you might want to consider insuring it. And when you factor in all of the additional items that come with a bike – perhaps you have a GPS or a particularly expensive helmet – then you might be surprised by the total cost to replace your bike and its accessories should they get damaged or stolen.

What is the ‘replacement cost’ for my belongings with an Everywhere Student Pack?

The ‘replacement cost’ is how much it would cost to replace your belongings should you need to make a claim.

With an Everywhere Student Pack, your gadgets and belongings will only be covered if the replacement cost is less than the limit shown on your policy documents, as follows:

  • £1,000 pack = Cover for items that cost less than than £500
  • £1,500 pack = Cover for items that cost less than than £750
  • £2,500 pack = Cover for items that cost less than than £1,250

Here’s an example to show you how it works:

You have a mobile phone worth £450, a laptop worth £300 and a tablet worth £150 – because all of these items are each worth less than £500, they can be covered with a £1,000 Everywhere Student Pack. With this £1,000 Pack, you will be provided with up to £1,000 cover throughout the year for your items, as long as the total cost of your claims isn’t more than £1,000. 

What happens when I make a claim?

Say you bought a new laptop that cost £300, and purchased an Everywhere Student Pack that provides £1,000 cover for items with a replacement value of up to £500.

A few months later, you (sadly) drop and damage your laptop. Because the replacement cost on your policy is £500 and your laptop only costs £300 to replace, this will be covered under your Everywhere Student Pack policy. Had your laptop cost more than £500, it wouldn't be covered and you would be unable to make a claim.

Remember: It's always worth checking that your items don't cost more than the replacement cost when taking out our Everywhere Student Packs. If any of your items do cost more than the highest replacement cost (£1,250), you can choose to build your own cover.

What about Endsleigh’s laptop/tablet theft policy?

Our laptop/tablet theft policy provides cover for devices with a replacement cost up to £1,250.

Do I need to use a certain type of bike lock?

Yes. If you will be leaving your bike in a public place, it must be secured to a permanent structure via an approved security device through its frame. Security devices and locks must meet ‘Sold Secure Gold’ standards, or have a security rating of eight or above.

Please note that bikes must not be left outside of a locked building for more than 24 hours unless it is stored in a designated cycle storage facility. Bikes must also not be left in communal corridors in order for your claim to be valid.

Read more of our tips about how to keep you bike safe at university.

What counts as a ‘permanent structure’?

A permanent structure is any fixed or solid object not capable of being undone, removed with or lifted under/over the bicycle.

What types of bike can you cover?

Here at Endsleigh we can provide bicycle insurance for all makes and models of mountain bike and push bike, as well as:

  • BMX bikes
  • Children’s bikes
  • Classic bikes
  • Cruiser bikes
  • Dutch style bikes
  • Fixed gear bikes
  • Folding bikes
  • Hybrid bikes
  • Recumbent bikes
  • Road and track bikes
  • Tandem bikes
  • Unicycles
  • Urban bikes
  • Vintage bikes and more
Is my bike covered under my home insurance?

Sometimes your home insurance policy will provide a level of cover for bicycles while they’re being stored at the property – for example, in a locked garage. However, this will depend on your insurance provider, so you should check your policy documents to find out whether your bike is covered. You can then decide whether you require additional cover to protect your bike while it’s away from home or if you want to go cycling abroad.

If you’re a student heading to university, some of your belongings might be covered under your parents’ home insurance.

Is my bike covered under my car insurance?

While your car won’t provide cover for theft or accidental damage caused to your bike, some insurers will provide cover under your car insurance for injuries and medical expenses if you’re involved in a collision with another car while cycling. Speak to your insurance provider to find out what’s covered.

How can I save money on my bicycle insurance?

If you’re a student with a TOTUM card, don’t forget that Endsleigh offers up to 10% discount on your bicycle insurance!

Find out more about our TOTUM discounts here.

Interested in bicycle insurance? You might also be interested in...

Musical instrument insurance

Cover against accidental damage and loss anywhere in the UK, with cover for up to £150 to hire a replacement instrument

Student gadget insurance

Stay connected at uni. Protect your gadgets against theft, accidental and liquid damage, anywhere in the UK and for up to 90 days worldwide

Student contents insurance

Cover for your belongings while living in student accommodation against fire, theft and flood, with tenants’ liability cover included as standard.

Mobile phone insurance

Protection against theft, accidental and liquid damage, as well as cracked screens. Insure two or more gadgets and get up to a 15% discount!

Laptop insurance

Whether it's for business, coursework or gaming, we'll protect your laptop against accidental and liquid damage, including cracked screens.

Tablet insurance

Protect your tablet against theft, cracked screens, accidental and liquid damage anywhere in the UK and up to 90 days worldwide.

How easy is it to make a claim?

Making a claim with Endsleigh is simple. Just follow this 3 step process: 1. Head to our claims centre and fill in a claims form. 2. Our team will call you to confirm your claim. 3. We’ll approve your claim as soon as possible.