Cycle Insurance Compare

Compare Wiggle Cycle Insurance

Wiggle have made it easy for you to compare bicycle insurance. Our table below compares Wiggle Cycle Insurance with other providers and organisations offering insurance to cyclists. It’s easy to compare on price but 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
Zero Admin Fees
yes
no
yes
no
Global Travel Cover
yes
no
no
yes
Free Legal Advice
yes
no
yes
no
Third Party Cover
yes
no
Optional
yes
Personal Accident
yes
no
Optional
yes
No Postcode Weighting
yes
no
no
no
0% Monthly Payments
yes
no
no
no
Triathlon Transition Cover
yes
no
no
no
Excess
£100
£200
Not Applicable
Up to 20%
Price (£1000 Bike)
£129
£158
£70*
£148

Enter bicycle value

Emergency Private Medical Care
Rescue Cover
Theft away from home
Accidental Damage
Replacement Bike Hire
Active Cover
Zero Admin Fees
Global Travel Cover
Free Legal Advice
Third Party Cover
Personal Accident
No Postcode Weighting
0% Monthly Payments
Triathlon Transition Cover
Excess
Price (£1000 Bike)
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
yes
no
yes
no
yes
no
no
yes
yes
no
yes
no
yes
no
Optional
yes
yes
no
Optional
yes
yes
no
no
no
yes
no
no
no
yes
no
no
no
£100
£200
Not Applicable
Up to 20%
£129
£158
£70*
£148

Enter bicycle value

* Comparisons Used

British Cycling – shows the insurance offered within the British Cycling Race Gold Membership package. This membership package contains other benefits in addition to insurance* This comparison considers and compares insurance that applies to bicycles or cyclists only. It does not consider any benefits that may or may not form part of a membership associated with insurance coverage referred to in this comparison. Home insurance quotes are based on a John Lewis policy using a CM3 postcode. Rates are illustrative; you must visit other bicycle insurance sites to obtain a full quote. All quotes are correct as on 12/06/2016

Cycle Insurance v Other Insurance

The amount of bicycles purchased in the UK in the last five years has skyrocketed. Unfortunately the bike theft figures reflect this. Over half a million bikes were stolen in the last five years according to Official Police statistics. There are ways to protect yourself against this risk but with numerous insurance options on the market, make sure you do your homework so you’re not left unprotected.

Home Insurance

Many cyclists are happy to have their home insurance cover their bikes as it’s usually inexpensive. However, don’t assume you bike is covered as home insurers will mostly have limitations and exclusions on how your cycle can be used. Home insurance simply wasn’t designed to insure the modern cyclist.

Once outside the home, almost no home insurance covers accidental damage, personal accident, public liability or any of the other benefits usually associated with specific cycling insurance. Home insurers often impose large excess amounts, commonly in the region of £500 and in addition to this, you home insurance ‘no claims’ may be effected. The real cost of covering a bicycle on your home insurance is worrying. We recommend you carefully assess the level of cycle cover you have on your home insurance and what your exposure is in the event of claim.

A few shortcoming of some home insurance:

  • Low maximum cycle value
  • No cover for theft or accidental damage away from the home
  • Excess up to £500
  • Exclude competitions

Wiggle Insurance

Membership Insurance

A certain level of insurance is included in the membership offered by organisations like British Cycling or British Triathlon Federation. It is extremely important not to assume that you are sufficiently covered without understanding the level of cover provided. Many people turn to a club or organisation just for the insurance, unaware that it does not cover their bikes, or offer the range of comprehensive benefits a cycling specific insurer often provides.

Below we have compared our Assist Cycling insurance with Active Cover to the Insurance provided within British Cycling’s Gold Membership.

Wiggle Insurance

British Cycling Membership

How much?

At £72 a year British Cycling Gold Cover is the cheapest membership package which includes both Third Party Cover and Personal Accident Cover.

What is Covered?

  • Third Party Liability
  • Personal Accident

Any Exclusions?

Third Party Cover does not cover member to member accidents during competitive events. Some of the exclusions listed on British Cycling’s website are “One member against another in a cycling competition, race, time trial or timed event” and “Typically, but not exclusively, a Sportive or other such organised mass participation event where times are recorded”.

You can read more on the insurance aspect of British Cycling membership here https://www.britishcycling.org.uk/thirdpartyliability

Wiggle Cycle Insurance

How much?

For less than £30 a year (9p/day) Wiggle Cycle Insurance Assist cover with Active Cover extends the cover to all mass participation events.

What is Covered?

  • Third Party Liability (including when participating in timed cycling events)
  • Personal Accident
  • Emergency Private Medical, Dental & Physiotherapy treatment

Any Exclusions?

With Wiggle Cycle Insurance’s Third Party Liability Cover, not only do we cover your Third Party responsibilities when participating in a cycling timed cycling event if you choose that option, we also provide you with up to £300 of Private Medical Cover. However, we do not cover Third Party Liability in the USA, Canada or Australia but you can still enjoy all the other fantastic benefits of a Wiggle Cycle Insurance policy in these countries if you have the Global travel option selected.

*Wiggle Cycle Insurance is solely comparing the insurance aspect of British Cycling membership. Please see the British Cycling website for full details of their membership packages

Our Cycle Insurance

At Wiggle, we love bikes. We ride bikes everyday across all cycle disciplines, our cycle insurance team know the risks and believe you should consider cycle specific insurance.

We’ve made it easy for cyclists to find the right policy for your ride and your pocket. We offer three straightforward policies packed with extensive benefits to provide cyclists with cover they can rely on, unbeatable value, and a claims service that will get you back on your bike as quickly as possible, should you need it.

It’s quick and easy to get a quote and you can even pay monthly with 0% APR

Wiggle Insurance

Our Cycle Insurance

Enjoy your ride in the knowledge that you have the right cover. Wiggle Cycle Insurance we’re for the good stuff.

We’ve made it easy for cyclists like you to find the right policy for your ride and your pocket. We offer three straightforward policies packed with extensive benefits to provide cyclists with cover you can rely on, exceptional value, and a claims service that will get you back on your bike as quickly as possible, should you need it.

/ 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