Cycle insurance for riding on multiple terrains. Your trusty hybrid stead will be covered for both on and off road riding.
If you own an all-round bike, you’ll need all-round cover. Whether you’re riding through towns or cities, or navigating off road on the dirt paths, the hybrid can do it all. There’s a downside to being an all-rounder, a bike that can ride on multiple terrains is more vulnerable to risk.
As a hybrid rider, here’s why you should consider cycle 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 usually 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. 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.
If you bike is stolen or accidentally damaged, we’ll sort it out. Your bicycle may be stolen from your home or from outside your regular coffee stop, if the worst happens we’ll replace your bike with a brand new one if it’s under three years old. Any bike older than three years will be replaced with a like for like model. Either way, you’re covered. We even insure your bike when locked in your car or when secured to your roof rack.
You may be concerned about accidental damage if you’ve ever hit a pothole at speed, slipped on ice or cornered a little bit too fast. We’ll cover you for repairs or a complete replacement and even replace any accessories that were damaged at the same time.
In the event of a breakdown don’t get stuck on the side of the road. If you have a mechanical, be safe and get a taxi on us. We’ll transport you to your home or the closest transport link up to the value of £150 per policy period.
If your bike has been stolen, damaged or lost in transit we’ll make sure you’re not left without wheels. Wiggle will provide a replacement cycle so you can get back in the saddle whilst awaiting the repair or replacement of your bicycle.
We’re for the good stuff, that’s why we won’t charge you any interest if you choose to pay monthly. It’s your choice, pay upfront or over 12 months with 0% APR. Easy.
Don’t risk riding without cycle insurance. Get protection today from as little as £2 a month!