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Commuter Cycle Insurance

Protect Your Cycle on your Commute

Commuting to work by bicycle is a great way to stay active, save money on transportation, and reduce your carbon footprint compared to driving your car. However, as more cyclists take to the road, there is a growing concern for their safety.

According to RoSPA, in 2019, there were 16,884 reported road accidents involving cyclists in the UK alone, highlighting the importance of ensuring adequate protection for your bike. Shockingly, the most dangerous times for cyclists are during the morning and evening rush hour, between 3.00 to 6.00 p.m. and 8.00 to 9.00 a.m. on weekdays.

This is where commuter cycle insurance comes in. To protect your bike against theft, damage or loss due to an accident, it may be worth considering commuter cycle insurance. In this article, we will explore the benefits of commuter cycle insurance, what it covers, and how to choose the best policy for your needs.

Commuter cycle insurance covers your bicycle during your daily commute. (It will not however, cover you if you use your cycle for business use during the day. For example, if you cycle from Home to the Office or your place of business, that’s fine and this usage is classed as committing, however, if you need your cycle for business purposes, during the day, for example if you are a courier or delivery person, then it will not cover you. You will need to contact an insurer that offers this type of business insurance)

It provides financial protection in case of theft, damage, or third-party liability, and can give you peace of mind knowing that your bike is covered.

In this article, we will explore what our bicycle insurance covers, factors to consider when choosing a policy, and the claims process. We will also answer some common questions about commuter cycle insurance and provide recommendations for protecting your bike on your daily commute.

Assetsure Bicycle Insurance for Commuting

Assetsure Bicycle Insurance offers various types of coverage to protect you and your bike during your daily commute. Accidents can happen, and a policy from Assetsure can cover damage caused by accidents or with third parties.

Additionally, if your bike is out of commission due to repairs or replacement, Assetsure offers the option to hire an alternative cycle while waiting for the repairs to be completed. In the event of a legal dispute, the policy includes up to £100,000 for legal expenses, and the in-house claims team can help get you back on the road quickly.

Bicycle thefts are also covered, and Assetsure will replace your bike on a new-for-old basis. The policy also covers up to £500 for accidental damage or theft of any Cycle Box, and the company will attempt to recover any excess paid from the other party's insurer if you are involved in an accident with a third party. If you leave your cycle unattended during the day, make sure you fully understand the security requirements for cycles away from your home.

When choosing a commuter cycle insurance policy, it's important to consider the type of bike you have, and its value. You should always insure your bicycle for its full retail replacement price Additionally, as mentioned above, you should consider the location and security of your parking space

Factors to Consider When Choosing Bicycle Insurance

When selecting commuter cycle insurance, there are several important factors to consider. First, the type of bike you own will impact the coverage you need. For example with an electric bicycle, you should make sure that the battery will be covered if it is stolen as these items can be quite expensive to replace.

Additionally, the value of your bike is important to consider, as more expensive bikes may require additional security The frequency and distance of your daily commute should also be taken into account, as this may impact your risk of theft or damage, although there is not a great deal you can do about this apart from being vigilant about your cycle security when it is left unattended.

The location and security of your parking spot is a critical factor to consider, as bikes parked in high-risk areas such as railway stations are more likely to be stolen. By carefully considering these factors, you can ensure that you keep your cycle safe during your daily commute.

Frequently Asked Questions (FAQs)

Commuter cycle insurance typically covers theft, damage, and a range of optional extras such as personal liability. This means that if your bike is stolen or damaged, you can receive compensation to repair or replace it. Additionally, if you accidentally injure someone or damage someone else's property while riding your bike, your insurance may cover any resulting expenses.

  • Do I need to have bicycle insurance?

While bicycle insurance is not legally required, in the United Kingdom it can be a wise investment to protect your bike and yourself. If you rely on your bike for daily commuting or if you own an expensive bike, insurance can provide peace of mind and financial protection in case of theft or damage.

  • Can you insure a bicycle against theft?

Yes, Assetsure offers coverage for bike theft. This coverage typically includes theft both while the bike is parked and while it is being ridden. Make sure you study and understand the security requirements.

  • How to insure a bicycle for daily commutes?

Get an online quote with Assetsure for you bike today. When applying for insurance, be prepared to provide information about your bike's value. Remember, this should be the full retail replacement price, this can help ensure that your sum insured will be adequate to provide a replacement bicycle in the event of a theft or if the cycle is damaged beyond economical repair.

  • How much is bicycle insurance?

The cost of bicycle insurance can vary depending on a variety of factors, including the value of your bike, the coverage you need, and your location. Assetsure can give you a quote online today to help you understand the cost of coverage for your specific situation.

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Why choose our specialist insurance cover?


Lloyd's of London coverholders icon-thin-chevron-down

We hold prestigious Lloyd’s of London cover holder status where most of our policies are underwritten. We also place business with major UK insurers


Accidental Damage & Theft Included icon-thin-chevron-down

The two “must have” covers are both included in our policy. Loss of your cycle by “Theft” is provided at, and away from your home.


Legal Expenses - Included icon-thin-chevron-down

We provide £100,000 of cover. This is essential for persons using their cycle on busy roads and can help with making a claim for injury or damages against a third party.


Replacement Cycle Hire - Included icon-thin-chevron-down

Ideal if you need your cycle to travel to work or to take part in an event such as Cyclo-Cross or a Triathlon and your own cycle is unavailable following theft or damage.


Accessories, Helmets & Clothing - Included icon-thin-chevron-down

Inclusive insurance for your cycle accessories or specialist helmets & clothing. You can increase the sum insured limits if required


Public Liability - Optional icon-thin-chevron-down

Protects you against claims from a third party which could include; a pedestrian, another cyclist or a motorist. Choose from either £1 million or £2 million cover


Personal Accident - Optional icon-thin-chevron-down

Provides you with a capital sum if you are involved in a serious accident whilst using your cycle. You can choose a level of cover to suit your needs.


European Use - Optional icon-thin-chevron-down

For a small additional premium, you can extend your policy to cover you for up to 45 days use in the European Union.


Competition Use - Optional icon-thin-chevron-down

You can extend your policy to include cover whilst using your cycle to take part in competitions such as cyclo-cross or triathlons