Cycle Insurance for Road Bikes

Road bike insurance

Whether you race or cycle for fun we can insure you and your bicycle against the risks you may face on the road.

There’s nothing quite like the open road. Whether that’s a gentle ride with friends, a Box Hill climb (and cake stop) or a challenging sportive, road cycling gives all levels of riders an opportunity to enjoy the thrill of the ride. By insuring your bike with Wiggle, we’ll give you peace of mind, giving you more time to focus on having fun (or serious training of course).

As a road cyclist, here’s five good reasons why you should consider Wiggle Cycle Insurance:

Home Insurance alert
Home Insurance alert

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 affected. 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.

Theft & Accidental Damage
Theft & Accidental Damage

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 model of the same market value. 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.

Taxi Fare Reimbursement
Taxi Fare Reimbursement

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.

Accessories & Clothing
Accessories & Clothing

At Wiggle we know how valuable cyclist’s kit can be so we offer an optional cover to protect your GPS, clothing, footwear (amongst loads of other stuff) in the event they’re stolen or damaged. You can protect accessories and kit without a maximum value. Just list it on your cycle insurance policy and your protected.

Emergency Private Medical, Dental and Physiotherapy
Emergency Private Medical, Dental and Physiotherapy

If you have a Wiggle Cycle Insurance policy you won’t need to wait in A&E if you need emergency treatment. Wiggle will provide you with up to £300 for private medical or dental care. We’re here to make your experience as painless as possible.

We know you’ll want to get back in the saddle as quickly as possible, that’s why we’ll also give you cover for emergency access to a physio of your choice.

Active Cover
Active Cover

With so many sportives, charity challenges, time trials and mass participation events on offer, it’s essential to get insurance for you and your bike, before, during and after the finish line.

So if you regularly front the peloton or take part in a once a year charity challenge, Wiggle insurers you, your bicycle and your specified kit in the UK and globally if you select our global cover.

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!​