Find answers to our most frequently asked bicycle insurance questions

Frequently asked questions

General FAQs
Policy FAQs
Elite FAQs
Essential FAQs
Assist FAQs
Benefits FAQs

My bike isn’t brand new, is it worth me insuring it?

Every Bike is worth insuring! Whether you ride to work, take part in Sportives or just ride for fun; we have a range of insurance packages to reflect this. From our Assist package, which covers you for Third Party Liability, all the way to our Elite insurance. All of our insurance products were developed by cyclists with the aim of giving you peace of mind whilst you are out riding.

How do I value my bicycle?

For bicycles less than three years of age we suggest listing at the recommended retail price.
 
For bicycles older than three years from date of purchase we recommend listing them at their market value, the price usually paid for a bicycle of the same age type and condition as yours.

My bike is custom, how do I go about insuring it?

The Frame is the core of the Bike, please specify the make and model, then you’ll need to list the individual components you’ve added to the Frame to create the complete Bicycle. It is essential that you retain any proof of purchase or receipts for the frame and components that you are insuring. If in doubt, please call or email our UK based customer service team, who will be more than happy to help.

Do I have to be certain age to be able to get insurance cover?

Unfortunately we can only insure cyclists aged between 16 and 85.

Why do I need proof of ownership?

If you are making a claim it is vital that we have this information, which is why we ask for it when you take out a policy. Without proof of ownership, we may not be able to pay a claim

What lock is appropriate for my bicycle?

If you are unsure of which lock is appropriate for your bicycle please head to our Approved Lock List page

I have previously claimed for a stolen bike, will my premium price be affected?

It is very important to fully disclose your previous claim history. Your premium price will not be affected.

Is there an interest charge for paying monthly?

With Wiggle cycle insurance there is no charge if you decide to pay premiums on a monthly basis. Some insurance providers, including Cycleguard charge up to 25.9% APR if you pay monthly. We don't believe in tricksy charges. 

Does your cover protect me when I am racing?

If you select our Elite cycle insurance, or take out the optional ‘Active cover’ you will be covered for amateur racing events. Please note we cannot insure any professional cyclists (always refer to the Policy Wording for contractual definitions).

Will I be paying extra to insure my bike in London?

We will never charge a postcode premium.

What is the difference between a Component and Accessories?

Component & Accessories: A part of your bicycle which is essential to its function and add to the value of your bicycle. If you have upgraded any components, you must increase the bikes value accordingly. This includes seat posts, saddles, handlebars etc If you wish to upgrade in the future, give us a call and tell us all about your fancy new Carbon Fibre Crankset then we can update your policy details so it is covered.

Can I insure my cycling clothing, shoes or helmet?

Yes you can, please list these when you are taking out your policy or give one of our UK based customer service team a call to add any new accessories to your policy. 

What does the bike need to be locked to when I am away from home?

We require the bicycle to be locked through the frame and any quick release wheels to an immovable object. 

What shall I do if my lock isn’t ‘Sold Secure’?

Unfortunately, we cannot provide cover when a bike is locked with an unapproved lock. For more information on Sold Secure please click here or to see our Approved Lock List click here.

I purchased my Bicycle through the Cycle to Work scheme, can I still get a Wiggle Cycle Insurance Policy?

Of course! We have a range of packages that could be used to give cyclists peace of mind should the bad stuff happen when they are riding. Did you know... if your bicycle is stolen you are still obligated to pay the remaining monthly payments. Cycle to Work strongly recommends taking out bicycle insurance for this reason. You can even purchase your cycle to work bicycle (and kit) from Wiggle by visiting Wiggle Cycle to Work 

How do I go about cancelling my bicycle insurance policy?

You can cancel anytime during the 14 day cooling off period. Generally we will require you to this in writing. You also have 14 day cooling off period where we will refund your premium paid assuming there were no claims made. 

Can I make changes to my policy? i.e. I want to add upgraded wheels?

You can make changes at any time during your policy period. This includes changes to your personal details, number of bicycles covered, their value, any component upgrades and accessories. Changes may incur an extra charge on your premium but we will never charge you an admin fee to do this. 

How does the Taxi Fare Reimbursement work?

If you are unable to complete your journey because of an accident or mechanical breakdown you can hop in a taxi to the nearest bike shop to get the problem fixed. Alternatively you can take a taxi to your destination or your home. It is important that you retain the receipt from your journey.

What is Global Travel Cover?

Global Travel Cover insures you, your Bike and any specified accessories anywhere in the World for a maximum of 45 days per period of insurance. Please note that the Public Liability cover excludes Australia, United States and Canada.

How many bikes can I insure on one policy?

You can insure up three bikes worth up to £10,000 each on the Essential and Elite policies. We offer up to 60% discount on multi bike policies!

Do you only cover UK residents?

Yes. 

I purchased my Bicycle through the Cycle to Work scheme, can I still get a Wiggle Cycle Insurance Policy?

Of course! We have a range of packages that could be used by commuters to give them peace of mind should the worst happen when they are riding into work.

What is Elite cover?

As with all our levels of cover, the Elite cover was designed from the bottom up by cyclists, for cyclists. The aim is to give you peace of mind so if the bad stuff happens, we're here to help you get back on your bike as soon as possible. The Elite cover comes as standard with replacement bike hire, taxi fare reimbursement and £300 worth of private medical cover.

Who should have Elite Cover?

Elite cover is suitable for every cyclist! No matter what sort of riding you do, we have created a product that will give you piece of mind no matter if you are racing, touring the world, commuting or if you enjoy casual riding. The Elite cover has been designed by cyclists who thought “What would I want from an insurance product?”. The result is an outstanding cycle insurance product that’s competitively priced (from as little as 16p a day!) 

What is Essential Cover?

Our Essential cover is our mid-range package that provides excellent cover and a range of optional extras giving the option to customise the level of protection whilst keeping an eye on the price. Essential cover starts from 11p a day and includes protection from Theft, Accidental Damage, Personal Accident and £300 of Private Medical Cover/Physio.

What is Assist Cover?

Our Assist cover has benefits such as Public Liability insurance, £300 worth of Private Medical Costs, Personal Accident Cover and Free Legal Advice. Assist Cover starts from just 6p a day! 

Who should have Assist Insurance?

Everyone who cycles! Not only do we cover you for Public Liability, we’ll also be there to assist you after an accident with Personal Accident Cover and Private Medical costs, which includes up to £300 worth of physiotherapy! Assist Insurance starts from just 46p a week!

What is Public Liability Insurance?

Our Public Liability Insurance has been designed to cover you if you cause loss, injury or suffering to another member of the public, regardless of whether they are a pedestrian, fellow cyclist or a driver. Everyone sharing the road has a duty of care to other users and members of the public, the costs associated with certain accidents can be life changing. 

Am I covered for Public Liability abroad?

The Public Liability cover can be extended globally except for the USA, Australia and Canada. 

Theft

Theft covers you from the unlawful taking of you Bicycle (including components) and Accessories. Always refer to the Policy Wording for contractual definitions

Accidental Damage

Accidental Damage covers you for any damage incurred by you. Please note this does not cover cosmetic damage. Always refer to the Policy Wording for contractual definitions 

Personal Accident

Personal Accident will cover you in the event of a non-fault incident where you are at a loss. Our UK based specialist claims team will help you through this process and they are just a phone call away. Always refer to the Policy Wording for contractual definitions

Public Liability

Public Liability provides cover against incidents where you are at fault and liable for loss or damage to others property or person. This cover is included in every Wiggle Cycle Insurance package. Always refer to the Policy Wording for contractual definitions

Medical Cover

Medical Cover will cover your private medical, dentist and physiotherapy costs for up to 7 days after an accident or severe injury. The maximum benefit limit for this is £300 Always refer to the Policy Wording for contractual definitions

Legal Advice & Claims Management Service

A free service for non-fault cycling accident claims. 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. 

Replacement Bike Hire

If you find yourself without a bike when you are making a claim, then we will supply you with a replacement bike so you can carry on training or commuting. Always refer to the Policy Wording for contractual definitions

Taxi Fare Reimbursement

If your bike breaks down and you cannot repair it, this cover will reimburse you for a cab fare home, to the nearest bicycle repair shop or train station. This doesn’t cover punctures. Always refer to the Policy Wording for contractual definitions

Active Cover

Extends your policies benefits to cover you when taking part in triathlons, Sportives, amateur racing and similar events. Comes as standard with Elite cover. Always refer to the Policy Wording for contractual definitions

Global Travel Cover

Extends your policies benefits to cover you when travelling anywhere in the world. Comes as standard with Elite cover. Please note: Public Liability is not available in Australia, the USA or Canada. Always refer to the Policy Wording for contractual definitions

Frequently asked questions

General FAQs

My bike isn’t brand new, is it worth me insuring it?

Every Bike is worth insuring! Whether you ride to work, take part in Sportives or just ride for fun; we have a range of insurance packages to reflect this. From our Assist package, which covers you for Third Party Liability, all the way to our Elite insurance. All of our insurance products were developed by cyclists with the aim of giving you peace of mind whilst you are out riding.

How do I value my bicycle?

For bicycles less than three years of age we suggest listing at the recommended retail price.
 
For bicycles older than three years from date of purchase we recommend listing them at their market value, the price usually paid for a bicycle of the same age type and condition as yours.

My bike is custom, how do I go about insuring it?

The Frame is the core of the Bike, please specify the make and model, then you’ll need to list the individual components you’ve added to the Frame to create the complete Bicycle. It is essential that you retain any proof of purchase or receipts for the frame and components that you are insuring. If in doubt, please call or email our UK based customer service team, who will be more than happy to help.

Do I have to be certain age to be able to get insurance cover?

Unfortunately we can only insure cyclists aged between 16 and 85.

Why do I need proof of ownership?

If you are making a claim it is vital that we have this information, which is why we ask for it when you take out a policy. Without proof of ownership, we may not be able to pay a claim

What lock is appropriate for my bicycle?

If you are unsure of which lock is appropriate for your bicycle please head to our Approved Lock List page

I have previously claimed for a stolen bike, will my premium price be affected?

It is very important to fully disclose your previous claim history. Your premium price will not be affected.

Is there an interest charge for paying monthly?

With Wiggle cycle insurance there is no charge if you decide to pay premiums on a monthly basis. Some insurance providers, including Cycleguard charge up to 25.9% APR if you pay monthly. We don't believe in tricksy charges. 

Does your cover protect me when I am racing?

If you select our Elite cycle insurance, or take out the optional ‘Active cover’ you will be covered for amateur racing events. Please note we cannot insure any professional cyclists (always refer to the Policy Wording for contractual definitions).

Will I be paying extra to insure my bike in London?

We will never charge a postcode premium.

What is the difference between a Component and Accessories?

Component & Accessories: A part of your bicycle which is essential to its function and add to the value of your bicycle. If you have upgraded any components, you must increase the bikes value accordingly. This includes seat posts, saddles, handlebars etc If you wish to upgrade in the future, give us a call and tell us all about your fancy new Carbon Fibre Crankset then we can update your policy details so it is covered.

Can I insure my cycling clothing, shoes or helmet?

Yes you can, please list these when you are taking out your policy or give one of our UK based customer service team a call to add any new accessories to your policy. 

What does the bike need to be locked to when I am away from home?

We require the bicycle to be locked through the frame and any quick release wheels to an immovable object. 

What shall I do if my lock isn’t ‘Sold Secure’?

Unfortunately, we cannot provide cover when a bike is locked with an unapproved lock. For more information on Sold Secure please click here or to see our Approved Lock List click here.

I purchased my Bicycle through the Cycle to Work scheme, can I still get a Wiggle Cycle Insurance Policy?

Of course! We have a range of packages that could be used to give cyclists peace of mind should the bad stuff happen when they are riding. Did you know... if your bicycle is stolen you are still obligated to pay the remaining monthly payments. Cycle to Work strongly recommends taking out bicycle insurance for this reason. You can even purchase your cycle to work bicycle (and kit) from Wiggle by visiting Wiggle Cycle to Work 

Policy FAQs

How do I go about cancelling my bicycle insurance policy?

You can cancel anytime during the 14 day cooling off period. Generally we will require you to this in writing. You also have 14 day cooling off period where we will refund your premium paid assuming there were no claims made. 

Can I make changes to my policy? i.e. I want to add upgraded wheels?

You can make changes at any time during your policy period. This includes changes to your personal details, number of bicycles covered, their value, any component upgrades and accessories. Changes may incur an extra charge on your premium but we will never charge you an admin fee to do this. 

How does the Taxi Fare Reimbursement work?

If you are unable to complete your journey because of an accident or mechanical breakdown you can hop in a taxi to the nearest bike shop to get the problem fixed. Alternatively you can take a taxi to your destination or your home. It is important that you retain the receipt from your journey.

What is Global Travel Cover?

Global Travel Cover insures you, your Bike and any specified accessories anywhere in the World for a maximum of 45 days per period of insurance. Please note that the Public Liability cover excludes Australia, United States and Canada.

How many bikes can I insure on one policy?

You can insure up three bikes worth up to £10,000 each on the Essential and Elite policies. We offer up to 60% discount on multi bike policies!

Do you only cover UK residents?

Yes. 

I purchased my Bicycle through the Cycle to Work scheme, can I still get a Wiggle Cycle Insurance Policy?

Of course! We have a range of packages that could be used by commuters to give them peace of mind should the worst happen when they are riding into work.

Elite FAQs

What is Elite cover?

As with all our levels of cover, the Elite cover was designed from the bottom up by cyclists, for cyclists. The aim is to give you peace of mind so if the bad stuff happens, we're here to help you get back on your bike as soon as possible. The Elite cover comes as standard with replacement bike hire, taxi fare reimbursement and £300 worth of private medical cover.

Who should have Elite Cover?

Elite cover is suitable for every cyclist! No matter what sort of riding you do, we have created a product that will give you piece of mind no matter if you are racing, touring the world, commuting or if you enjoy casual riding. The Elite cover has been designed by cyclists who thought “What would I want from an insurance product?”. The result is an outstanding cycle insurance product that’s competitively priced (from as little as 16p a day!) 

Essential FAQs

What is Essential Cover?

Our Essential cover is our mid-range package that provides excellent cover and a range of optional extras giving the option to customise the level of protection whilst keeping an eye on the price. Essential cover starts from 11p a day and includes protection from Theft, Accidental Damage, Personal Accident and £300 of Private Medical Cover/Physio.

Assist FAQs

What is Assist Cover?

Our Assist cover has benefits such as Public Liability insurance, £300 worth of Private Medical Costs, Personal Accident Cover and Free Legal Advice. Assist Cover starts from just 6p a day! 

Who should have Assist Insurance?

Everyone who cycles! Not only do we cover you for Public Liability, we’ll also be there to assist you after an accident with Personal Accident Cover and Private Medical costs, which includes up to £300 worth of physiotherapy! Assist Insurance starts from just 46p a week!

What is Public Liability Insurance?

Our Public Liability Insurance has been designed to cover you if you cause loss, injury or suffering to another member of the public, regardless of whether they are a pedestrian, fellow cyclist or a driver. Everyone sharing the road has a duty of care to other users and members of the public, the costs associated with certain accidents can be life changing. 

Am I covered for Public Liability abroad?

The Public Liability cover can be extended globally except for the USA, Australia and Canada. 

Benefits FAQs

Theft

Theft covers you from the unlawful taking of you Bicycle (including components) and Accessories. Always refer to the Policy Wording for contractual definitions

Accidental Damage

Accidental Damage covers you for any damage incurred by you. Please note this does not cover cosmetic damage. Always refer to the Policy Wording for contractual definitions 

Personal Accident

Personal Accident will cover you in the event of a non-fault incident where you are at a loss. Our UK based specialist claims team will help you through this process and they are just a phone call away. Always refer to the Policy Wording for contractual definitions

Public Liability

Public Liability provides cover against incidents where you are at fault and liable for loss or damage to others property or person. This cover is included in every Wiggle Cycle Insurance package. Always refer to the Policy Wording for contractual definitions

Medical Cover

Medical Cover will cover your private medical, dentist and physiotherapy costs for up to 7 days after an accident or severe injury. The maximum benefit limit for this is £300 Always refer to the Policy Wording for contractual definitions

Legal Advice & Claims Management Service

A free service for non-fault cycling accident claims. 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. 

Replacement Bike Hire

If you find yourself without a bike when you are making a claim, then we will supply you with a replacement bike so you can carry on training or commuting. Always refer to the Policy Wording for contractual definitions

Taxi Fare Reimbursement

If your bike breaks down and you cannot repair it, this cover will reimburse you for a cab fare home, to the nearest bicycle repair shop or train station. This doesn’t cover punctures. Always refer to the Policy Wording for contractual definitions

Active Cover

Extends your policies benefits to cover you when taking part in triathlons, Sportives, amateur racing and similar events. Comes as standard with Elite cover. Always refer to the Policy Wording for contractual definitions

Global Travel Cover

Extends your policies benefits to cover you when travelling anywhere in the world. Comes as standard with Elite cover. Please note: Public Liability is not available in Australia, the USA or Canada. Always refer to the Policy Wording for contractual definitions