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.
Enter bicycle value
Enter bicycle value
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
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.
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
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.
