Unfortunately, they're a favourite of thieves because they’re light, valuable, easy to sell, and plenty are around. There were 77,465 bicycle thefts in England and Wales in 2021/22.
It’s important to protect your bike, no matter how expensive it is. If it’s stolen or damaged, insurance could help cover the costs if you need a replacement fast.
We also cover any that belong to every family member living at the same address.
You’ll need to individually list any bicycles worth more than the limit specified by your insurer.
You need to tell us if you make changes to your bicycle. It could affect your cover. For example, if you fitted a new shock absorber that substantially raises the bike’s value, we might not cover it under your current policy.
Speak to your insurer, just in case.
You need to check your home or contents insurance to see if your insurer covers your bicycle away from home.
We cover bikes worth up to £350 anywhere in the world, up to your policy limits.
If your bike is worth more than this you'll need to let us know so we can specify it on your policy. To make sure your specified bike is covered abroad, you'll need to choose 'cover away from home' when organising your policy.
You can never guarantee your bike won’t be stolen, but there are a few things you could do to help keep it safe as best you can.
Lock doors and windows if you store your bike in an outbuilding like a garage or shed.
If you can, put a sheet or tarp over it so it’s not easily visible, especially if the outbuilding has windows.
It’s worth investing in a good bike lock. The lock will put most thieves off, even though they can cut through one with the right tools and enough time.
Anchor your bicycle to an immovable object, apply the lock and that’s it. It’ll also keep your insurance valid, as we can’t cover unsecured bike theft.
The national BikeRegister database holds details of more than half a million bikes. The police use it to get recovered bicycles back to their owners. It’s quick and simple to add your details and then mark your bike using a special security kit.
Warning labels are also available to help deter thieves.
Be sensible when it comes to choosing a place to leave your bike. Ideally, choose a well-lit and busy area. Try and pick somewhere with CCTV cameras around.