Cycle insurance

At Wiggle, we love bikes. That’s why we’ve developed Wiggle cycle insurance, we want people to experience the joy of cycling without having to worry about the bad stuff. We’ve made it easy for cyclists to find the right policy for their ride and their pocket. We offer three straightforward policies packed with extensive benefits to provide cyclists with cover they can rely on, exceptional value, and a claims service to get you back on your bike as quickly as possible, should you need it.

Enjoy your ride in the knowledge that you have the right cover.


Wiggle Assist is ideal if you’re concerned about yourself as a rider, your public liability responsibilities as a road user and want the reassurance of help with the cost of treatment for accidents at a price that’s right for you from a company you can rely on.

Third Party Liability

Wiggle Assist will protect you financially with Third Party Liability cover of up to £2million should you cause damage or injury to pedestrians, other road users, or any at fault cycling accident.

Personal accident cover

In the event of serious injury or death sustained from riding your bike, Wiggle cycle insurance delivers personal accident cover to give you peace of mind.

Up to £1,000 for private medical or dental care

We’re here to make your experience as painless as possible so if you have a Wiggle policy you won’t need to wait in A&E for emergency treatment. Wiggle will provide you with up to £1,000 for private medical or dental care at a walk in clinic or private centre of your choice.

Emergency access to a physio

If you’re injured we know that you’ll want to get back on your bike as quickly as possible. If you sustain an injury whilst riding a bike, we’ll give you cover for emergency access to a physio of your choice.

Active insurance

Your policy, your choice. You can choose to take out Active insurance to extend this cover so you can take part in cycling events and be fully covered.

From only £2 a month you we don’t think you should risk riding without it. View our Wiggle Assist benefits below and our Policy Wording here.


A popular plan for the cyclist who wants all the personal protection benefits of Wiggle Assist plus great value specialist insurance for your bicycle. Plus, It’s easy to pay monthly with 0% APR. Whether you’re a leisure rider, a commuter or a serious cyclist we can help ensure it’s always a part of your life. Wiggle Essential includes all the benefits of Wiggle Assist plus:

New for old

If your bike is stolen or accidentally damaged, we’ll sort it out with a new for old equivalent. We even insure your bike when locked in your car or when secured to your roof rack.

Optional global travel cover

Wiggle Essential offers you the flexibility to add active cover or global travel to suit your needs.

An essential cycle insurance policy offering unbeatable value. View our Wiggle Essential benefits below and see our Policy Wording.


When nothing but the best will do. Our most comprehensive policy provides you with an array of benefits to cover you globally. Elite cover for you and all of your bicycles with a multi-bike discount for each additional bicycle.

Wiggle Elite includes all the benefits of Wiggle Assist AND Wiggle Essential plus:

Global Travel

Whether you take your bike abroad for a leisurely holiday or for serious competition, elite provides you with year round worldwide cover for up to 365 days (or 90 days per trip) for cycling, competition and during transportation (public liability cover in USA and Canada is excluded)

Active cover

If you regularly front the peloton, race gnarly downhill trails, enjoy an occasional sportive or a charity challenge, we’ll insure you for every type of mass participation event or competition.

Triathlon Transition Cover

If you’re a triathlete or ironman you may be concerned about leaving your valuable kit in transition. In such a busy area kit could go missing – our policy protects you against this risk. Your insured bike, cycling accessories and wetsuit are covered against theft for up to 18 hours when left in the event transition zone.

Replacement Cycle Hire

We’ll provide cycle hire if your bike has been stolen, damaged or lost in transit to make sure you’re not left without wheels.

Taxi Fare Reimbursement

Don’t get stuck on the side of the road if you breakdown. For your convenience and safety – get a taxi on us. We’ll reimburse you for transport to your home or the closest transport link.

Add accessories

Wiggle Elite offers you the flexibility to add accessories and clothing up to £5,000 to your policy.

An elite cycle insurance policy offers exceptional value and exceptional cover. View our full list of benefits below and our Policy Wording here.

Compare Our Products

We’ve made it easier for you to choose the cycle insurance you need for your ride. Our simple table clearly shows what is (and what isn’t) included in our three cycle insurance packages.

Public Liability
Personal Accident
Emergency Private Medical & Dental
Emergency Physiotherapy
0% Monthly Payments
No Extra Charge for City Postcodes
Theft & Accidental Damage
New for Old
Multi-Bike Discount
Replacement Cycle Hire
Taxi Fare Reimbursement
Global Travel
Optional extra
Active Cover
Optional extra
Optional extra
Triathlon Transition Cover
Optional extra
Bike Box Cover
Optional extra
Optional extra
Accessories & Clothing
Optional extra
Optional extra
* Bike box cover is available when added to your accessories list. Accessories are an optional extra and are charged at a rate of 2% of your accessory value (eg; to protect a £200 bike computer it would cost £4). You can add accessories up to the value of £5,000!