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  • CYCLE INSURANCE MADE EASY
    Straightforward cycle insurance. 3 simple packages. You choose the cover to suit your ride.
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  • ELITE CYCLE INSURANCE
    Protection at home, abroad and in competitions
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Wiggle Cycle Insurance

The new standard in cycle insurance

Why we are better

Why we’re better

Compare our stand out benefits and find out what they mean for you as a cyclist.

The Wiggle price promise

The Wiggle price promise

We’ll always have the best price – we’ll refund the difference if you find the same policy for less

Cycle insurance made easy

Cycle insurance made easy

3 Straightforward packages. We’ve make it easy for you to choose the right package for your ride

We don’t do tricksy

Our cycle insurance is designed to protect you, not confuse you with tricksy small print

Our Cycle Insurance

At Wiggle, we love bikes.
That’s why we’ve developed Wiggle Cycle Insurance, we want people to experience the joy of cycling without having to worry about the bad stuff.

We’ve made it easy for cyclists to find the right policy for their ride and their pocket. From only £2 a month, we offer three straightforward policies packed with extensive benefits to provide cyclists with cover they can rely on, exceptional value, and a claims service to get you back on your bike as quickly as possible, should you need it. Enjoy your ride in the knowledge that you have the right cover. Wiggle Cycle Insurance we’re for the #goodstuff.

/ ASSIST

If you only require rider insurance, assist could be the policy for you.
Personal Accident
Public Liability
Emergency Private Medical & Dental Treatment
Emergency Physiotherapy
Free Legal Advice
View all benefits

/ ESSENTIAL

All the personal protection benefits of assist plus insurance for your bicycle.
Theft
Accidental Damage
Personal Accident
Public Liability
Emergency Private Medical & Dental Treatment
Emergency Physiotherapy
Free Legal Advice
View all benefits

/ ELITE

When nothing but the best will do. Elite cover for you and your bicycle.
Theft
Accidental Damage
Global Travel Cover
Active / Sports Cover
Transition Cover
Replacement Cycle Hire
Taxi Fare Reimbursement
Personal Accident
Public Liability
Emergency Private Medical & Dental Treatment
Emergency Physiotherapy
Free Legal Advice
View all benefits

Why insure with us?

Exceptional value policy benefits from Wiggle Cycle Insurance.
Our policy benefits are geared to make your cycle insurance experience straightforward and your claims process as smooth as possible.

View our full list of benefits.

  • Public Liability
    Public Liability

    Accidents happen. If you’re responsible for damage or injury to other road users, property or pedestrians, Wiggle will protect you for up to £1 million of public liability cover. An essential benefit to protect you financially.

    Personal Accident
    Personal Accident

    In the event of serious injury or death sustained from riding your bike, we’ll provide £10,000 of personal accident cover to give you and your family peace of mind. You shouldn’t risk riding without it.

    Emergency Private Medical & Dental
    Emergency Private Medical & Dental

    If you have a Wiggle policy you won’t need to wait in A&E. If you need emergency treatment we’ll provide you with up to £300 for private medical or dental care. We’re here to make your experience as painless as possible.

    Emergency Physiotherapy
    Emergency Physiotherapy

    If you’re injured we know that you’ll want to get back on your bike as quickly as possible. If you sustain an injury whilst riding a bike, we’ll give you cover for emergency access to a physio of your choice.

  • UK Customer Service
    UK Customer Service

    Our dedicated customer service team love an excuse to talk about bikes and are here to answer any questions you may have about Wiggle Cycle Insurance.

    Free Legal Advice from Wiggle Legal
    Free Legal Advice from Wiggle Legal

    We’re here to support our policy holders when things go wrong. You’ll receive free legal advice from our Wiggle legal experts, a full compensation management service and fast access to physio or specialist treatment as required.

    0% Monthly Payments
    0% Monthly Payments

    We’re for the good stuff, that’s why we won’t charge you any interest if you choose to pay monthly. It’s your choice, pay upfront or over 12 months with 0% APR. Easy.

    No Extra Charge for City Postcodes
    No Extra Charge for City Postcodes

    We want to inspire everybody, everywhere to enjoy cycling. That’s why Wiggle doesn’t believe in penalising and charging cyclists a higher premium for living in a city.

  • Theft & Accidental Damage
    Theft & Accidental Damage

    If your bike is stolen or accidentally damaged, we’ll sort it out. We even insure your bike when locked in your car or when secured to your roof rack.

    New for Old
    New for Old

    If you’ve purchased a new bike that is stolen or damaged beyond repair within 3 years of the purchase date, we’ll get you back in the saddle on a new shiny bike.

    Up to 60% Multi-Bike Discount
    Up to 60% Multi-Bike Discount

    We know that insuring more than one bike can be expensive. That’s why Wiggle’s unbeatable multi bike benefit enables you to insure all your bikes on one policy and save up to 60% on each additional bike.

    Replacement Cycle Hire
    Replacement Cycle Hire

    If your bike has been stolen, damaged or lost in transit we’ll make sure you’re not left without wheels. Wiggle will provide a replacement cycle so you can get back in the saddle whilst awaiting the repair or replacement of your bike.

  • Taxi Fare Reimbursement
    Taxi Fare Reimbursement

    In the event of a breakdown don’t get stuck on the side of the road, be safe and get a taxi on us. We’ll transport you and your bike to your home or the closest transport link up to the value of £150 per policy period.

    Global Travel
    Global Travel

    Whether you take your bike abroad for a leisurely holiday or for serious competition, Wiggle provides you with year round worldwide cover for cycling, competition and during transportation.

    Active Cover
    Active Cover

    If you regularly front the peloton, race gnarly downhill trials, enjoy an occasional sportive or a charity challenge, Wiggle insures you for every type of mass participation event or competition.

    Triathlon Transition Cover
    Triathlon Transition Cover

    If you’re a triathlete you may be concerned about leaving your valuable kit in transition. In such a busy area kit could go missing – our policy protects you against this risk. Your bike, accessories and wetsuit are all insured.

  • Bike Box Cover
    Bike Box Cover

    If your bike box gets damaged, lost or stolen we will provide you with a replacement. Just add your bike box to your list of accessories to get covered.

    Accessories & Clothing
    Accessories & Clothing

    At Wiggle we know how valuable cyclists kit can be so we offer an optional cover to protect your GPS, clothing, footwear (amongst loads of other kit) in the event they’re stolen or damaged.

  • Public Liability
    Public Liability

    Accidents happen. If you’re responsible for damage or injury to other road users, property or pedestrians, Wiggle will protect you for up to £1 million of public liability cover. An essential benefit to protect you financially.

  • Personal Accident
    Personal Accident

    In the event of serious injury or death sustained from riding your bike, we’ll provide £10,000 of personal accident cover to give you and your family peace of mind. You shouldn’t risk riding without it.

  • Emergency Private Medical & Dental
    Emergency Private Medical & Dental

    If you have a Wiggle policy you won’t need to wait in A&E. If you need emergency treatment we’ll provide you with up to £300 for private medical or dental care. We’re here to make your experience as painless as possible.

  • Emergency Physiotherapy
    Emergency Physiotherapy

    If you’re injured we know that you’ll want to get back on your bike as quickly as possible. If you sustain an injury whilst riding a bike, we’ll give you cover for emergency access to a physio of your choice.

  • UK Customer Service
    UK Customer Service

    Our dedicated customer service team love an excuse to talk about bikes and are here to answer any questions you may have about Wiggle Cycle Insurance.

  • Free Legal Advice from Wiggle Legal
    Free Legal Advice from Wiggle Legal

    We’re here to support our policy holders when things go wrong. You’ll receive free legal advice from our Wiggle legal experts, a full compensation management service and fast access to physio or specialist treatment as required.

  • 0% Monthly Payments
    0% Monthly Payments

    We’re for the good stuff, that’s why we won’t charge you any interest if you choose to pay monthly. It’s your choice, pay upfront or over 12 months with 0% APR. Easy.

  • No Extra Charge for City Postcodes
    No Extra Charge for City Postcodes

    We want to inspire everybody, everywhere to enjoy cycling. That’s why Wiggle doesn’t believe in penalising and charging cyclists a higher premium for living in a city.

  • Theft & Accidental Damage
    Theft & Accidental Damage

    If your bike is stolen or accidentally damaged, we’ll sort it out. We even insure your bike when locked in your car or when secured to your roof rack.

  • New for Old
    New for Old

    If you’ve purchased a new bike that is stolen or damaged beyond repair within 3 years of the purchase date, we’ll get you back in the saddle on a new shiny bike.

  • Up to 60% Multi-Bike Discount
    Up to 60% Multi-Bike Discount

    We know that insuring more than one bike can be expensive. That’s why Wiggle’s unbeatable multi bike benefit enables you to insure all your bikes on one policy and save up to 60% on each additional bike.

  • Replacement Cycle Hire
    Replacement Cycle Hire

    If your bike has been stolen, damaged or lost in transit we’ll make sure you’re not left without wheels. Wiggle will provide a replacement cycle so you can get back in the saddle whilst awaiting the repair or replacement of your bike.

  • Taxi Fare Reimbursement
    Taxi Fare Reimbursement

    In the event of a breakdown don’t get stuck on the side of the road, be safe and get a taxi on us. We’ll transport you and your bike to your home or the closest transport link up to the value of £150 per policy period.

  • Global Travel
    Global Travel

    Whether you take your bike abroad for a leisurely holiday or for serious competition, Wiggle provides you with year round worldwide cover for cycling, competition and during transportation.

  • Active Cover
    Active Cover

    If you regularly front the peloton, race gnarly downhill trials, enjoy an occasional sportive or a charity challenge, Wiggle insures you for every type of mass participation event or competition.

  • Triathlon Transition Cover
    Triathlon Transition Cover

    If you’re a triathlete you may be concerned about leaving your valuable kit in transition. In such a busy area kit could go missing – our policy protects you against this risk. Your bike, accessories and wetsuit are all insured.

  • Bike Box Cover
    Bike Box Cover

    If your bike box gets damaged, lost or stolen we will provide you with a replacement. Just add your bike box to your list of accessories to get covered.

  • Accessories & Clothing
    Accessories & Clothing

    At Wiggle we know how valuable cyclists kit can be so we offer an optional cover to protect your GPS, clothing, footwear (amongst loads of other kit) in the event they’re stolen or damaged.

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What we cover

Wiggle Cycle Insurance is designed to protect every type of bicycle.
There’s no need for specialist mountain bike insurance, triathlon insurance or road bike insurance – our straightforward policy fits all!​

Insurance Comparison

Wiggle Cycle Insurance have made it easy for you to compare bicycle insurance. Our table below compares Wiggle Cycle Insurance with other bicycle insurance options. It’s easy to compare insurance based on price – you should always check what is actually included in the price you have been quoted.

/ Wiggle
/ Home Insurance
/ British Cycling membership
/ Cycle guard
Emergency Private Medical Care
yes
no
no
no
Rescue Cover
yes
no
no
yes
Theft away from home
yes
yes
no
yes
Accidental Damage
yes
no
no
yes
Replacement Bike Hire
yes
no
no
no
Active Cover
yes
no
yes
yes
View full comparison
Emergency Private Medical Care
Rescue Cover
Theft away from home
Accidental Damage
Replacement Bike Hire
Active Cover
Wiggle
Home Insurance
Included in British Cycling membership
Cycle guard
yes
no
no
no
yes
no
no
yes
yes
yes
no
yes
yes
no
no
yes
yes
no
no
no
yes
no
yes
yes
View full comparison

About Wiggle Cycle Insurance

Let us introduce ourselves

We are the online retailer run by people who love cycling. We know the highs and lows of cycling and that’s why we’ve developed Wiggle Cycle Insurance –
we want people to experience the joy of cycling without having to worry about the bad stuff.

We’re on a mission to:

  • / Provide anyone who cycles with a cyle insurance product that is relevant to their needs
  • / Help make your cycle insurance choice less confusing and easy to buy
  • / Deliver cycle insurance that is great value for all types of cyclists

We don’t do tricksy.

We don’t believe in tricksy policy wording, we’ll always be up front with any questions you may have and we won’t try to catch you out with the smallprint.
We don’t upsell you benefits that you may not need. We are straightforward cycle insurance that you can rely on.

Testimonials

Trust Pilot Trust Pilot Ratings
9.4 out of 10
“Managed to smash into a stationary van the day after taking out a policy – ouch!”

The Claims team were extremely professional, courteous, and sympathetic, not judgemental, despite me feeling extremely guilty about only being a policyholder for 24 hours prior to making a claim.
David Bailey
“Just moved to Wiggle Insurance from Cycleguard. Quite a bit cheaper too!.”

Emails replies were very quick and initial call was handled very well. Very happy with the service so far and have already recommended to a friend. Definitely give this a go.
Phu
Do you need cycle specific insurance?

Are you fully insured? Home insurance, British Cycling insurance and British Triathlon insurance – what are the limitations? Bicycle insurance info for the modern cyclist. Read our Wiggle blog.

Mountain Mayhem training update

For training everyone has been ramping up the miles on road and mountain bikes, and they all got together recently for a training day at Wiggle’s local trail centre. Fortunately it was a lovely sunny, dry day, so the trails were in perfect condition!

What’s in a Wiggler’s Saddle Bag – A Year on Adventure Road

A saddle bag kitted out with the right selection of tools and spares can get you out of all sorts of trouble out on the road or trail. At the very least it can prevent a small mechanical from spoiling your ride but if you’re heading off the beaten track, it may even save you from being stranded in the middle of nowhere.

Wiggle Cycle Insurance Guide

The world of cycle insurance can at times be complicated; read our guide to buying cycle insurance.

Primal Exion Helix Road Kit review

In its second year of trading with Wiggle, Primal wanted to show off their top-end range for 2015 called Helix Exion. This consists of their Primal Exion Helix Bib Shorts and their matching Primal Exion Helix Jersey and I was only too pleased to give it a good couple of road tests.

Bike buying guide

This is a question most of us have asked ourselves, or someone else at some point during our life. Either when thinking about the purchase of your first or next bike, it can often be a challenging occasion. Our buying guides below are designed to guide you through the process of buying a bike at Wiggle.