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What is cycle insurance?
If you rely on your bike for commuting or you can’t imagine seeing the sights from anywhere but the seat of a cycle at the weekend, cycle insurance would provide cover for your prized pedal cycle. If your cycle were stolen or damaged, cycle insurance would allow you to replace it.
Is my bike insured?
While esure does not offer standalone cycle insurance, your bike may already be covered if you have contents insurance with esure. Standard home contents insurance cover with esure does cover bikes; however, the most we can cover as standard are bikes that would cost less than £500 to replace as new, as long as they are stored on your property.
If you want cover for your bike when you are out and about, Personal Possessions cover may be an option to consider. It will cover your bicycle when you’re riding around town – not just when it’s kept at home. The cover is still limited to cycles worth up to £500, but if your cycle costs more than £500 to replace as new, it’s possible to add it to your home policy as a specified item.
We’ve provided further details of what each option covers here:
| Contents | Personal Possessions |
|---|---|
| Up to £500 cover per item | Up to £500 cover per item |
| Option to specify items over £1,500 | Option to specify items over £1,500 |
| Standard type of esure coverage | Optional extra that can be added to your esure combined home policy and contents insurance |
| Covers your cycle only as long as it is kept securely on your property | Covers your cycle when outside your home |
| Covers your cycle for replacement if stolen or damaged | Covers your cycle for replacement if stolen or damaged |
What is and isn’t covered
If your cycle is lost, stolen, or damaged, we’ll do our best to get you back in the saddle again. Some of what we cover includes:
| Replacement of or repairs for pedal cycles worth up to £500 | Yes | If your pedal cycle and its accessories are worth less than £500 to replace, it can be covered as part of your contents insurance and away from your home with personal possessions insurance. If your pedal cycle would cost more than this to replace, it is possible to get coverage for it as a specified item. |
| Theft or attempted theft of your pedal cycle if only the wheels or accessories were damaged | No | Unfortunately, if your cycle loses a wheel or an accessory as a result of theft or attempted theft, it would not be covered. |
| Theft or attempted theft of your pedal cycle if it is insured by another policy | No | If your cycle is specifically covered by another policy, unfortunately, it will not be covered under ours in the event of theft. |
| Damage to or loss or theft of your wheels or accessories | No | Unless the body of your bicycle was lost, stolen or damaged at the same time, your wheels and accessories would not be covered. |
| Pedal cycles used for racing, pace making or trials | No | Unfortunately, cycle insurance would not cover your bike if it is damaged when being used for these activities. |
| Pedal cycles left unattended away from your home | Yes | If your bike is locked to a fixed object, like a cycle rack, and you have personal possessions cover then you would be covered. |
