Cycle insurance the Wiggle way

As cyclists we know how it feels when the bad stuff happens, that's why our benefits are all about making your bicycle insurance experience straightforward and as painless as possible in the event of a claim. Compare our standout bicycle insurance benefits and find out what they mean for you as a cyclist.

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Taxi Fare ReimbursementRescueRoadside

What this means for you

No hanging around. No need to call our claims line. You can arrange immediate transport and we’ll refund you. Easy. 

What help will you get? How long will you stand on the side of the road to wait for rescue if it's raining or cold?

No assistance if you breakdown or have an accident.

You need to report the claim, wait for the insurer to arrange assistance and wait by the roadside for recovery.

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Emergency Private Medical,Dentist & Physio

What this means for you

You can get yourself checked out and fixed immediately for most of the injuries we sustain from time to time as cyclists.

You won’t receive fast access to emergency medical, dental or physio treatment. 

You won’t receive fast access to emergency medical, dental or physio treatment.

You won’t receive fast access to emergency medical, dental or physio treatment.

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Legal Advice

What this means for you

Free legal advice with all our policies from our in house experts at Wiggle Legal. No explaining your accident to a solicitors firm who may not be familiar with cycling.

If you have a non-fault cycling accident you won’t have access to the legal advice you may need to claim for you, your bike and your accessories. 

An optional extra that is chargeable

You’ll need to make a claim before you’re put in touch with legal professionals from an external company. 

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Monthly Payment Fees

What this means for you

0% APR means Wiggle do not charge extra for monthly payments. 

A charge of 25.9% will be applied to your final quote making it a more expensive policy. 

No charges for monthly payments. If you pay monthly you are unable to cancel your insurance at any point and must continue to pay all of the monthly payments. 

26.2% will be added to your policy if you choose to pay monthly. 

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Cancellation Fees

What this means for you

No catches and no need to return documents. A flat £20 fee after 14 days may be charged at our discretion in order to help us prevent any fraudulent activity. 

If you cancel 15-28 days into the policy, you’ll receive a refund minus 20% of the premium. There may also be another charge which may be a percentage of the premium but is not specified. No refund payable if you cancel after 28 days. 

You may cancel after 14 days have expired. You must send a signed letter of cancellation. You will not automatically be entitled to any refund of premium and payments made by instalments must continue for the duration of the policy.

You may cancel by sending written notice and returning the insurance documents within 14 days. A charge equal to the period of cover you have had, subject to a minimum charge of £25 plus the Insurance Premium Tax. 

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Excess Charges

What this means for you

Straightforward excess structure:
£20 – Taxi fee reimbursement 
£50 – Private medical & bike replacement 
£100 – Accidental Damage, Theft & Public Liability 

A high excess.

£50 for Bicycles valued up to £500.

For Bicycles with a value of £501 and above an Excess of £100 minimum or 20% of the Value whichever is the higher shall be payable.

The first £500 of each and every claim arising from damage to third party property where an additional premium has been paid for Roadcare.

High excess amounts.

£500 - 3rd Party injury
£300 – Damage to 3rd party property
Excess amounts for other types of claims are not made publically available.

£100 per claim for every type of claim.