Bicycle travel insurance

There’s nothing better than exploring the world by bike – whether it’s tackling a steep mountain pass or free-wheeling on the open road. You'll need the right insurance cover though, so you don't end up stranded without your wheels.

Taking your bike out of the country (or anywhere away from home) means it may no longer be covered by your home contents insurance.

Just as you would take out travel insurance to cover a stolen suitcase, it's worth getting cover for your bike in case it's stolen or damaged while you're cycling abroad.

Depending on how often you travel with your bike, you can add Travel Cover to your existing policy for up to 90 days for a single trip, and up to 365 days per policy period, or include it as part of your bicycle insurance.

The cycling insurance team love to get out on their bikes. So, when you call them up with a query, you can be sure you're talking to someone who knows just how important your wheels are to you.

They’ll also aim to resolve your claim within one working day. Nobody likes waiting, so once they’ve got all the information they need, they’ll get you back on your bike as soon as possible.

With bicycle insurance from Direct Line, you'll get the following cover as standard:

• Accidental or malicious damage
  If something happens while you're out cycling, your bike will either be repaired, or the damaged parts will be replaced.
• Theft (from your home or away)
  As long as you've secured your bike with an approved lock and followed the required security measures, your bike will be covered against theft.
• Theft from a roof rack or trailer
  Provided it hasn't been left unsecured or unattended (see approved locks for more information).
• Reimbursement for cycle hire and transport costs
  If your bike's out of action, you'll need some wheels to get around on - especially if you're training for an event. That's why you'll get up to £500 to hire a suitable replacement, or to cover your transport costs while your bike is being repaired or replaced.
• Onward travel
  If your bike's stolen or you've had an accident and can't cycle, you'll be reimbursed the cost of your taxi fare to get yourself and your bike home, to the nearest station or bike repair shop – whichever is closest.
• Roof rack and transit cover
  Your bike is covered for any damage caused while you're transporting it securely.
• Multi-Bike Discount
  If you've got another bike worth over £250 to insure, save money by adding it to the same policy. The more bikes you insure, the more you'll save, with 10% off your second bike and 15% off three or more bikes. The most valuable bike will be counted as the first bike on your policy, so discounts will apply to each bike thereafter. Excludes optional extras.
• New for old replacement
  If you need to claim for a total loss of your bike due to theft or irreparable damage, we'll replace your bicycle with a comparable make/model up to your benefit limit, if you bought it new. If your bicycle is second-hand or discontinued, we'll reimburse you for it's current market value, subject to depreciation.
• Your cycling kit
  You'll get up to £250 cover for your cycling kit, which includes accessories, clothing, helmets, GPS, additional wheelsets and your bike box. Please note, this cover is only valid as part of a larger claim for damage or theft of your bicycle. So, if your helmet is stolen from your bag, it's not covered. If it's damaged in an accident which also damaged your bike, it will be covered.
• Cycling gear worth over £250
  If your kit is worth more than £250, just let us know how much it's worth when you get a quote, and we'll include the extra cover in your premium. We can insure your cycling accessories up to the value of £5,000.