Cycling insurance comparison
| Provider — Plan (example) | Typical annual cost (example) | Medical / Personal-accident | Emergency medical / repatriation | Public liability | Bike / kit cover | Typical excess |
|---|---|---|---|---|---|---|
| British Cycling — Member (base membership) |
Included in membership | Basic PA benefits on some tiers; upgrade for PA | N/A | £20,000,000 | No bike cover — membership is liability-focused | N/A |
| British Cycling — Premium (Premium membership) |
Example: ~£80/yr (member pricing varies) | £25,000 PA & treatment (physio / dental / counselling benefits) | Treatment benefits included under PA | £20,000,000 | No bike insurance (pair with bike policy) | N/A |
| Bikmo — Comprehensive (specialist bike insurer) |
Varies — quote required (depends on bike value) | ~£20k (PA lump sums; treatment sublimits modest) | Small medical/dental/optical sublimits (policy varies) | £2,000,000 | Full theft & accidental damage cover (worldwide/commuting options) | Varies by claim type (check quote) |
| Laka — Complete / Community pricing (usage-based) |
Monthly pool pricing — varies | Limited focus on PA — mainly liability & bike | N/A / small treatment benefits | (varies) Liability available | Bike theft & accidental damage options; community pooling | Plan dependent — check schedule |
| Sundays — Comprehensive (retailer-backed cyclist cover) |
From ~£8–12/month (varies by bike value) | £10k–£25k PA depending on plan | Small private medical / emergency cash (e.g. ~£2.5k or less) | £2,000,000 | Full-value accidental damage & theft cover for many bikes | Commonly £50–£200 depending on plan |
| Wiggle — Elite / Assist (retailer insurance) |
Example small-bike: ~£67/yr; varies with bike value | £25,000 (Elite PA) | ~£2,500 emergency private medical (example) | £2,000,000 | Theft & accidental damage (limits depend on declared bike value) | Typical excess £100–£150 (varies) |
| Cycleplan — Standard / Premium (specialist — high value bikes) |
Varies; competitive for high-value bikes | Up to £50,000 PA on some plans | Treatment / physio included in PA benefits (check plan) | £5,000,000 | Bike cover up to high values (e.g. up to £50k options) | Typical £50 or % options; vary by plan |
| Yellow Jersey — Annual multi-trip (travel) (travel-style annual policy) |
Example: Europe annual ~£105; Worldwide ~£194 (examples) | Bike policy PA ~£25k; travel product has different benefits | £10,000,000 emergency medical & repatriation (travel product) | Liability included (varies by plan) | Travel policy focuses on rider; bike cover separate in some plans | Travel excess per schedule (varies by cover) |
| JS Insurance — Endurance / Annual multi-trip (event & endurance travel) |
Varies — quote required | PA elements vary; travel products emphasise repatriation | Up to £5,000,000 (emergency medical & repatriation on some products) | Liability included on some products — check wording | Bike cover in transit; some products exclude bike-in-use | Policy excess per schedule |
| AssureTonSport / Specialist travel (cycling travel specialists) |
Varies — quote required | €150,000+ (examples on some plans) | High-tier medical limits available (policy dependent) | Varies by product — event coverage available | Bike cover optional; varies | Varies |
| ALA — Modular / brokered policies (low-cost / modular) |
Example sample: £78–£108/yr for small bike comparisons | PA often modest (e.g., ~£10k base) | Small emergency medical in base; add-ons available | £2,000,000 | Comprehensive bike options available; modular add-ons | Typical £50 / £150 / £250 options |