Bespoke Cycle insurance
Why does my bike need insurance?
While many household policies will offer an option to include cover for a bike, this doesn’t always extend to damage incurred while out and about, your bike’s accessories, or outside the UK. So if you enjoy taking your bike out, even if you’re an amateur cyclist participating in any one of a range of cycling events around the UK or Europe, such as a standard road race, triathlon, or mountain biking trail, then you need to think about having more tailored insurance.
What should my insurance cover?
Many policies can be extended to include a range of benefits such as:
Payment of fines & penalties
Payment of ransoms & extortion
Cover for lost or disrupted income
Cover for physical injury/damage
The cost of phone hacks
Cost of notifying your contacts
Incidents at your outsourced service providers
Social media risks
Suppose you are in an amateur event and involved in a collision. In that case, your home insurance may not cover your public liability and is unlikely to be covered by event organisers. So what do you do?
This is when a bespoke cycle insurance policy ticks the right boxes. It can cover the enthusiastic amateur while racing or training for any accidental damage incurred or theft. Your important accessories, such as GPS or fitness tracker attached to the bike, are also covered – not to mention your public liability.
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