Commute/City Insurance


Looking for cover while cycling along busy city or rural roads? If you take a spill, get involved in a collision, or become the victim of a theft, Wiggle cycle insurance will be there to help. We provide assistance immediately after the incident and help to get you back in the saddle as soon as possible, so you can ride with confidence. As a commuter or city cyclist, here’s why you should consider cycle insurance:
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, we can help you get back in the saddle on a shiny new bike. We’ll also cover any accessories named on your policy for theft or accidental damage.
Accidental Damage
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 pay for replacement cycle hire until your damaged bicycle is replaced or repaired.
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 with public liability of up to £2 million while you are riding any bike. It’s an essential benefit that protects you financially and it’s included in all levels of our cover.
Personal Accident
Personal Accident
Even for riders taking every precaution, accidents can still occur. That’s why we protect you against the risk of serious injury while riding your bike. Wiggle cycle insurance provides personal accident cover for peace of mind every time you hop on your bike.
No Extra Charge for City Postcodes
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.
No Extra Charge for City Postcodes
City postcode penalties mean urban commuters often pay more for insurance than their rural counterparts. At Wiggle, we want to inspire everybody, everywhere to enjoy cycling; that’s why we believe in fair premiums and no extra fees for living in a city.


Enjoy your ride to work in the knowledge that you have the right cover with Wiggle cycle insurance for commuters. We’ve made it easy for cyclists like you to find the right policy for your commute, and your pocket. We offer three straightforward policies packed with extensive benefits to provide commuter 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 cycling cover from £2.00 a month

Expertly designed personal cover to protect you, the cyclist.  
  • £2 million public liability cover
  • £10,000 personal accident cover
  • £300 emergency private medical & dental treatment
See all Assist benefits

ESSENTIAL bicycle cover from £3.45 a month

All the benefits of Assist but with complete coverage for your bike too.  
  • Theft, including from roof racks
  • Accidental damage cover
  • Multi-bike discount
See all Essential benefits

ELITE cycling cover from £5.58 a month

The full package for you and your bike. All the benefits of Assist and Essential, plus extra benefits such as:
  • Replacement cycle hire
  • Taxi fare reimbursement
  • Triathlon transition cover
  • Global travel cover
  • Race cover
See all Elite 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!​
  • Cycle Insurance for Road Bikes
    Cycle Insurance for Road Bikes
    Whether you race or cycle for fun we can insure you and your bicycle against the risks you may face on the road.
  • Cycle Insurance for Triathletes
    Cycle Insurance for Triathletes
    The need for cycle insurance in triathlon or ironman events extends to much more than just protecting your bike from theft.
  • Cycle Insurance for Bike Commuters
    Cycle Insurance for Bike Commuters
    Commute in confidence in the knowledge that you’re insured when riding on busy City roads.
  • Cycle Insurance for Hybrid Bikes
    Cycle Insurance for Hybrid Bikes
    Cycle insurance for riding on multiple terrains. Your trusty hybrid will be covered for both on and off road riding.
  • Cycle Insurance for Mountain Bikers
    Cycle Insurance for Mountain Bikers
    Whether you enjoy cross country or the adrenaline of downhill, our cycle insurance protects both rider and equipment in their pursuit for off road thrills.
  • Cycle Insurance for Multi-Bike Owners
    Cycle Insurance for Multi-Bike Owners
    Our market leading benefit – a huge discount of up to 60% for additional bicycles added to your cycle insurance policy!