Cycle Insurance for Bike Commuters

Commute/City Insurance

Commute in confidence in the knowledge that you’re insured when riding on busy City roads.

As a commuter, you don’t need reminding of the accidents and thefts that occur and the risks that cyclists face on the road – you’ll be only too aware of the statistics. Commuting is about the #goodstuff. It’s a great way to stay healthy, reduce your carbon footprint and perfect for nipping to the shops. Wiggle Cycle Insurance wants to keep you commuting.

As a commuter or city cyclist, here’s why you should consider cycle insurance:

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. If you live in a postcode that has a high cycle theft rate, we’ll never charge you extra.

Theft & Accidental Damage
Theft & Accidental Damage

If you cycle to work, we’ll protect you against theft if your bicycle is stolen, as long as you’re using an approved lock. Your bicycle may be secured in a public place for up to 12 hours at a time, or 24 hours at a railway station.

If you’re involved in a collision with a car, pedestrian or fellow cyclist, our cycle insurance will cover you for accidental damage. We’ll even sort out replacement cycle hire so you can keep pushing those pedals until your damaged bicycle is replaced or repaired. We’ll also cover any accessories named on your policy for theft or accidental damage.

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 while you are riding any bike. An essential benefit to protect you financially.

Personal Accident
Personal Accident

Too many cycling accidents happen on British roads each year. Even when taking proper precautions, accidents can still occur. Protect yourself against the risk of serious injury or death sustained from riding your bike. Wiggle Cycle Insurance delivers personal accident cover to give you peace of mind.

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

We’re here to support our policy holders when things go wrong. If you’re involved in an accident and someone else was to blame, 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. Don’t risk riding without cycle insurance. Get protection today from as little as £2 a month!

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

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!​