Bike / personal insurance guide

  1. British Cycling (Member vs Premium) — best for club riders who want huge third-party liability (£20m) and, at Premium, a reasonable personal-accident package (PA / physio etc) up to £25k. British Cycling is not bike insurance — pair it with a bike policy for theft/damage. membership.britishcycling.org.uk+1

  2. Wiggle (Assist / Elite) — retailer-backed, low-cost annual bike insurance + £2m liability and PA ~£25k on top tiers; emergency private medical ~£2,500 on Elite. Good value for everyday UK cycling. cycleinsurance.wiggle.co.uk+1

  3. Bikmo — strong specialist bike and liability insurer; PA/medical benefits exist but treatment / dental limits are modest (policy shows small cash benefits for medical/dental). Great for serious bike cover & club liability. Bikmo UKsupport.bikmo.com

  4. Laka — innovative community/usage pricing and strong third-party liability / bike cover options. Pricing is dynamic (you pay monthly pricing based on claims in the pool). Not marketed as high medical expense cover. Laka+1

  5. Sundays — good bike cover product, £2m liability, personal accident & small private medical amounts (policy shows small emergency medical limits). Simple UX and multi-bike options but medical limits are small. Sundays Insuranced173gejs207w2c.cloudfront.net

  6. Cycleplan — promotes high bike values (up to £50k), public liability up to £5m, and higher PA limits (up to £50k) — good for high-value riders. Cycleplan

  7. Yellow Jersey / JS / travel specialists — if your priority is large emergency medical & repatriation (multi-million pounds), buy an annual cycling travel policy (Yellow Jersey, JS Insurance, SportsCover). These are travel products but can be used as annual multi-trip policies and often include UK riding — excellent if you want emergency medical cover well above £25k. Yellow Jerseyjsinsurance.co.uk

how to pick the right combo

  1. Decide what you want covered (rank priorities):

    • (A) liability for causing damage/injury; (B) bike theft/accidental damage; (C) your own medical treatment/physio/rehab & PA; (D) overseas touring & repatriation.

  2. Typical recommended stack for full protection (UK, year-round):

  3. Commuting & races: confirm policy covers commuting and racing (many policies exclude racing unless you purchase a race add-on or a specific racing policy).

  4. E-bikes: make sure they’re covered (class, power limit, manufacturer proof of compliance). Non-compliant e-bikes may be treated as motorcycles by insurers. Laka

  5. Excess & hidden exclusions: read the schedule: some policies apply different excesses for accidental damage vs theft vs third-party; some policy benefits (medical/physio) require referral or evidence, and time limits apply for claims.

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