Our Cycle Insurance

Our 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 Cycle Insurance we’re for the #goodstuff.

Compare our products

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.

  • Wiggle assist will protect you financially with Third Party Liability cover of up to £1million should you cause damage or injury to pedestrians, other road users, or any at fault cycling accident.
  • In the event of serious injury or death sustained from riding your bike, Wiggle Cycle Insurance delivers personal accident cover to give you and your family peace of mind.
  • 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 £300 for private medical or dental care at a walk in clinic or private centre of your choice.
  • 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.
  • 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 protected.

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.

Get a quote
View all benefits
Close

Benefits

  • Public Liability
  • Personal Accident
  • Emergency Private Medical & Dental
  • Emergency Physiotherapy
  • UK Customer Service
  • Free Legal Advice from Wiggle Legal
  • 0% Monthly Payments
  • No Extra Charge for City Postcodes

Optional benefits

  • Active Cover

A popular plan for the cyclist who wants all the personal protection benefits of Cycle 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:

  • If you 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.
  • You’ll have access to free legal advice from our Wiggle legal experts alongside a full compensation management service and fast access to physio or specialist treatment as required.
  • 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 assist benefits below and our Policy Wording here.

Get a quote
View all benefits
Close

Benefits

  • Public Liability
  • Personal Accident
  • Emergency Private Medical & Dental
  • Emergency Physiotherapy
  • UK Customer Service
  • Free Legal Advice from Wiggle Legal
  • 0% Monthly Payments
  • No Extra Charge for City Postcodes
  • Theft & Accidental Damage
  • New for Old
  • Up to 60% Multi-Bike Discount

Optional benefits

  • Global Travel
  • Active Cover
  • Triathlon Transition Cover
  • Bike Box Cover
  • Accessories & Clothing

When nothing but the best will do. Our most comprehensive policy provides you with an array of benefits to protect you globally. Elite cover for you and all of your bicycles on one policy with a huge up to 60% discount for additional bicycles.

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 90 days for cycling, competition and during transportation (public liability cover in USA, Canada and Australia is excluded)
  • Active Cover – If you regularly front the peloton, race gnarly downhill trials, 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 bike, accessories and wetsuit are all insured.
  • 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 transport you to your home or the closest transport link.
  • Wiggle elite offers you the flexibility to add accessories and clothing up to £10,000 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.

Get a quote
View all benefits
Close

Benefits

  • Public Liability
  • Personal Accident
  • Emergency Private Medical & Dental
  • Emergency Physiotherapy
  • UK Customer Service
  • Free Legal Advice from Wiggle Legal
  • 0% Monthly Payments
  • No Extra Charge for City Postcodes
  • Theft & Accidental Damage
  • New for Old
  • Up to 60% Multi-Bike Discount
  • Replacement Cycle Hire
  • Taxi Fare Reimbursement
  • Global Travel
  • Active Cover
  • Triathlon Transition Cover

Optional benefits

  • Bike Box Cover
  • Accessories & Clothing

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.

 
/ Assist
/ Essential
/ Elite
Public Liability
yes
yes
yes
Personal Accident
yes
yes
yes
Emergency Private Medical & Dental
yes
yes
yes
Emergency Physiotherapy
yes
yes
yes
UK Customer Service
yes
yes
yes
Free Legal Advice from Wiggle Legal
yes
yes
yes
0% Monthly Payments
yes
yes
yes
No Extra Charge for City Postcodes
yes
yes
yes
Theft & Accidental Damage
no
yes
yes
New for Old
no
yes
yes
Up to 60% Multi-Bike Discount
no
yes
yes
Replacement Cycle Hire
no
no
yes
Taxi Fare Reimbursement
no
no
yes
Global Travel
no
Optional
yes
Active Cover
Optional
Optional
yes
Triathlon Transition Cover
no
Optional
yes
Bike Box Cover
no
Optional
Optional
Accessories & Clothing
no
Optional
Optional

Enter bicycle value

Enter bicycle value

Public Liability
Personal Accident
Emergency Private Medical & Dental
Emergency Physiotherapy
UK Customer Service
Free Legal Advice from Wiggle Legal
0% Monthly Payments
No Extra Charge for City Postcodes
Theft & Accidental Damage
New for Old
Up to 60% Multi-Bike Discount
Replacement Cycle Hire
Taxi Fare Reimbursement
Global Travel
Active Cover
Triathlon Transition Cover
Bike Box Cover
Accessories & Clothing
Assist
Essential
Elite
yes
yes
yes
yes
yes
yes
yes
yes
yes
yes
yes
yes
yes
yes
yes
yes
yes
yes
yes
yes
yes
yes
yes
yes
no
yes
yes
no
yes
yes
no
yes
yes
no
no
yes
no
no
yes
no
Optional
yes
Optional
Optional
yes
no
Optional
yes
no
Optional
Optional
no
Optional
Optional

Enter bicycle value

Enter bicycle value

* 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 £10,000!