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Are You Insured For Life on a Bike?


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While riding a bicycle is certainly cost-effective - it can save you around £33.70 a week - there is the added benefit of personal fitness and helping the environment. Unfortunately however, more than 1,200 bicycles are stolen in the UK every day, which makes insurance vital.

If you want to protect your new mode of transport you'll need to check your home insurance policy and see what coverage you have for items taken outside your house. Bicycles are covered by numerous home insurance policies but you'll still need to take adequate steps to ensure they are secure to avoid unnecessary claims.

Thinking about the bicycle's security should start before you even make a purchase. Make sure you budget for security and take out adequate insurance cover. This can usually be done by taking out additional personal belongings cover within your home contents insurance or even by taking out a separate policy. It's best to do this at the time you purchase a bike or you may never get around to doing it.

When the bicycle is at home keep it in a secured garage or shed, which is kept locked. Ideally keep it out of public view and secure it to an immovable object or consider installing a floor or wall-mounted anchor lock for additional security.

Make sure you invest in a secure padlock as bicycles must be locked to a fixed structure when you leave them in public places. If you are leaving your bike unattended then try to leave it in a well-lit area where thieves are less likely to act.

In case a home insurance claim is necessary it's worth taking colour photographs of your bike and having it recorded and registered. If your existing insurer does not offer bicycle coverage compare home insurance online to find a more suitable policy.


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