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You should insure your cycle for the full Recommended Retail Price.
Please refer to our FAQs below for more information.

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Hybrid Bike

Hybrid Bike Insurance

A hybrid bike is often thought to offer the best of all worlds. These general purpose bikes are enormously popular and can be used over a variety of terrains including: road, mountain and off road.

The usual set up is to have flat handlebars like an MTB with the same gear shifters. The wheels are generally the same as road bikes; however there are some hybrids that are more like mountain bikes (equipped with smaller wheels).

Hybrid bikes are a popular choice for commuters who may want to opt for a little off road use at the weekends. The flat handlebar set up ensures a more upright riding position so there is some sacrifice of speed for general comfort and thus many people consider these a better choice for commuting to work.

Another form of hybrid cycle is one that has been built by the owner from "Components". We are happy to consider these for insurance.

We cover all types of hybrid cycle and for those of you that commute; our policy automatically comes with £100,000 legal expenses insurance, ideal if you get in to a scrape with a motorist.

Our policy is underwritten by HCC International Company,and we have taken on board the requirements of cyclists to design a policy that offers real value for money with the ability to add optional sections as required.

You can obtain your quote and buy online today, if you have any questions regarding our cover, please call our office and we will be pleased to help you.

Features of our Cover

  • Cover against accidental damage and loss up to £12,500
  • Theft cover (at home and away)
  • Accessories cover
  • Replacement cycle hire costs
  • Cover for helmets and clothing
  • Legal expenses insurance £100,000
  • Monthly payment option
  • Free 45 days European cover.

Optional Extras

  • Public Liability Insurance
  • Personal Accident
  • Get you Home Costs
  • Competition Use
  • Cover for other family members

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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