Compare bicycle insurance
You could pay
less than £27 for bicycle
valued up to £1500*
- Compare over 15 insurance providers
- Independently owned, 100% unbiased
- Quick, simple and secure service
- Some of UK's leading brands
Why Compare Bicycle Insurance via WeTrust
You Could Save Time
You Could Save Money
We're 100% Unbiased
Safe & Secure to Use
Some of The Providers
Are you looking for bicycle insurance quotes that could save you money?
WeTrust wants to help find the right bicycle insurance policy for you. We understand that whether you own a commuter bike, a road bike, a mountain bike, or an increasingly valuable e-bike, it’s not just price that’s important, but matching you with a policy and provider that actually protects your bike the way you use it. That’s why we have partnered with Seopa Ltd, one of the UK’s most established insurance comparison providers. Since 2005, Seopa has helped over 5 million customers find the right cover. When you go via WeTrust.co.uk to compare bicycle insurance, car, home, van, motorbike, pet, or travel insurance, the comparison system searches up to 130+ UK providers in minutes. Instead of visiting insurers one by one, you can compare prices, excess levels, and cover side-by-side. WeTrust via Seopa helps you compare bicycle insurance providers, giving you the information you need to make an informed decision.
It doesn’t matter if you cycle to work three times a week or you’re a weekend club cyclist chasing personal bests – our partner Seopa’s bicycle insurance comparison system has more than 130 providers waiting to give you a quote. Whether you’ve just bought a brand new e-bike or you’re looking for the best renewal price on an existing policy, WeTrust via our partner Seopa offers an unbiased, transparent experience.
How Bicycle Insurance Comparison Works
Buying bicycle insurance can be more confusing than people expect. Which policy should you buy? Do you need cover away from home, in transit, or while racing? Which insurer actually understands the true value of your bike, accessories and components? Our comparison partner Seopa is here to simplify the process for you.
WeTrust doesn’t have a hidden agenda. WeTrust via our partner Seopa wants to provide you with access to as many bicycle insurance providers as possible so you can choose the right policy. When you compare quotes via our comparison partners, you see the price, excess and policy benefits offered by each insurer, including cover for theft, accidental damage, and cycling accessories.
Some Leading Insurers
Our partner Seopa’s bicycle insurance comparison system has access to a wide variety of providers, from specialist cycle insurers who understand high-value road and mountain bikes to well-known general insurers who also cover everyday bicycles. Our bicycle insurance comparison partners want to find you a great deal. And by ‘great deal’ we mean the right cover at a reasonable price, whether you’re insuring a single commuter bike or a growing collection of bikes and e-bikes.
100% Free
WeTrust doesn’t charge you to use our partner’s bicycle insurance comparison service. It is 100% free to use. The way we make our money is simple. Whenever you buy a policy, we receive commission via our comparison partners.
100% Unbiased
The insurance policies at the end of a quote are ranked solely on price, lowest to highest. You’ll also be able to quickly compare details such as excess levels, whether the policy includes cover for accessories, clothing and helmets, and whether cover extends to theft away from home or while your bike is in transit. Our partner’s comparison system provides impartial information; you decide which policy you want to buy.
Bicycle Insurance As Easy as 1, 2, 3
Shopping around and comparing quotes is one of the ways to get cheap bicycle insurance. UK cyclists no longer have to spend hours researching individual insurers to get the best deal.
Now you can find a policy in less than five minutes via WeTrust using our partner Seopa’s bicycle insurance comparison system.
Fill in Your Details
Click on the “Get Bicycle Quotes Now” button and fill in your details. This will help our bicycle insurance comparison partners find the right policy for you based on your bike’s value and how you use it.
Compare Quotes
Our partner’s bicycle insurance comparison system will come back with quotes for your bike. You can compare price, benefits and excess levels and see more details about each policy.
Purchase your Car Insurance
Choose the quote you want and click the ‘Next’ button to go to the bicycle insurance provider’s website. Check that all your details are correct and buy your policy.
What details do I need to get a bicycle insurance quotes?
To help you navigate the bicycle insurance minefield, Trusty the Bear has cleared the path and we have partnered with Seopa Ltd. Comparing bicycle insurance quotes via WeTrust is quick, easy, and entirely transparent. Because we are a 100% unbiased community-led platform with no hidden agendas, our bicycle insurance comparison partner, Seopa, makes sure you only provide what’s necessary to keep your hard-earned cash in your pocket.
To get started, you’ll just need a few details:
- About You: Your name, age, address, and employment status.
- The Bike: Your bicycle’s make, model, age, and current value, including electric bikes, and whether it’s been custom-built or has upgraded components.
- Storage & Security: Where you store your bike overnight, such as a locked shed, garage or communal storage, and what type of lock you use, since some insurers require an approved lock standard for theft claims.
- Usage: Whether you use your bike for commuting, leisure, racing, or off-road riding, and your estimated annual mileage.
- Claims History: Details of any previous bicycle theft or damage claims in the last five years.
- Additional Bikes or Riders: Details of any other bikes or family members you’d like included on the same policy.
When you compare, save, and trust via WeTrust.co.uk, you aren’t just getting a price, you’re getting policy benefits laid out next to each quote. Our bicycle insurance comparison partner’s 100% free service is designed to fight for you, helping you find protection without hidden fees.
What types of bicycle insurance quotes can I compare?
When you’re navigating the confusing minefield of the UK insurance market, Trusty the Bear is here to help you sniff out the truth about the main levels of protection via our bicycle insurance comparison partner, Seopa, so you can compare bicycle insurance with total confidence. At WeTrust, we believe in a community-led approach where there are no hidden agendas or sneaky fees, ensuring that our website is 100% free to use and our partner’s unbiased platform always puts your best interests first while you search for the most competitive rates and bicycle insurance policies. By choosing to compare and save via WeTrust partner’s independent service, you are not only keeping your hard-earned cash firmly in your own pocket.
All-Risk / Comprehensive Cover
- The most inclusive option is all-risk bicycle insurance, which provides ultimate peace of mind by covering theft, accidental damage, and loss both at home and away from home, whether you're commuting, touring or racing. Our bicycle insurance comparison partner's system could show different levels for cyclists who want the "bells and whistles" of protection, as it often includes extra benefits like cover for cycling accessories, clothing, helmets, and even personal accident or public liability cover for injuries caused to others while riding. This level of cover is particularly worth considering for higher-value road bikes, mountain bikes and e-bikes, where the cost of replacement components can add up quickly.
Bike Theft Only
- For those looking for a different balance of protection and price, our comparison partner's system also allows you to compare theft-only bicycle insurance, which covers your bike specifically against theft, whether it's stolen from your home, a bike rack, or while locked up in public. This can suit cyclists whose main concern is the risk of their bike being stolen, rather than accidental damage.
Accidental Damage Only
- Our bicycle insurance comparison partner, Seopa, also allows you to compare accidental damage only cover, which is designed for cyclists who are less concerned about theft but want protection if their bike is damaged in a crash, a fall, or general use. This level of cover is often chosen by cyclists who already store their bike securely and consider theft a lower risk than damage from everyday riding. No matter which path you take, the WeTrust mission remains the same: to provide an honest, transparent comparison via our partner, Seopa Ltd, that simplifies complex jargon and helps you find cheap bicycle insurance quotes that truly fit your lifestyle and budget.
Why Should I Compare Bicycle Insurance Quotes?
Finding the right bicycle insurance policy can feel like a total minefield. With hundreds of policy variations, cover limits that don’t always reflect a bike’s true replacement value, and add-ons like accessory cover, public liability, and cover away from home, figuring out which deal actually fits your exact needs can swallow up your precious time. Worse still, some cyclists assume their home contents insurance automatically covers their bike, only to discover at claim time that cover limits are far lower than expected, or that theft away from the home isn’t included at all.
Comparing bicycle insurance quotes via WeTrust gives you an honest, transparent view of the market, putting you back in control of protecting what is often a genuinely valuable asset. By looking at multiple options side by side, you ensure you never overpay while securing coverage tailored to your bike, how you ride, and where you store it.
Making a regular comparison helps you:
- Beat the Auto-Renewal Trap: Insurers rarely reward loyalty. Remaining with the same provider year after year typically leads to steady price hikes. Comparing quotes allows you to see what the wider market offers so you can switch effortlessly.
- Tailor Your Coverage: Whether you need all-risk cover, theft only, or specific add-ons like accessory cover, public liability, or cover for multiple bikes in one household, comparing lets you select features you actually need without paying for fluff.
- Reflect Life Changes: Upgrading to a more valuable bike or e-bike, changing how you store it, adding a better-rated lock, or starting to commute or race can all significantly change your risk profile. Running a fresh comparison ensures your premium and cover level reflect your current circumstances.
Bicycle Insurance FAQs
Does my home insurance already cover my bicycle?
Some home contents policies include limited cover for bicycles, but this is often capped at a low amount, may only cover the bike while it’s inside your home, and rarely includes theft away from the property. Comparing dedicated bicycle insurance via our partner Seopa lets you see cover that’s actually designed around how and where you ride and store your bike.
. Is my e-bike covered the same way as a standard bicycle?
Not always. E-bikes are generally more expensive to replace and can have specific requirements around battery cover, motor damage, and whether the bike meets legal power and speed limits to qualify as a pedal cycle rather than a motor vehicle. It’s important to declare that your bike is electric when comparing quotes so you’re matched to insurers who genuinely cover e-bikes.
Does bicycle insurance cover theft away from home?
Many bicycle insurance policies do cover theft away from home, such as while your bike is locked up at work, at a train station, or on a group ride, though this often depends on using an approved lock standard. Always check the specific lock requirements listed in a policy, as failing to meet them can mean a theft claim is declined.
What lock do I need for my bicycle insurance to be valid?
Many insurers require a lock that meets a recognised security standard, such as a Sold Secure Gold or Diamond rated lock, particularly for higher-value bikes. Using a lock that doesn’t meet the policy’s minimum standard is one of the most common reasons theft claims are rejected, so it’s worth checking this detail carefully when comparing policies.
Can I insure more than one bicycle on the same policy?
Yes, many bicycle insurance policies allow you to add multiple bikes, whether they belong to you or other members of your household, often at a reduced overall cost compared to insuring each bike separately. Comparing quotes via our partner Seopa can help you find a multi-bike policy that suits a growing bike collection.
Does bicycle insurance cover racing or competitive cycling?
Not all standard policies automatically include cover while racing, time trialling, or taking part in organised competitive events, so this is worth checking specifically if you cycle competitively. Some insurers offer this as standard, while others treat it as an optional add-on.
Is my bicycle covered if it's damaged rather than stolen?
This depends on the level of cover you choose. Theft-only policies won’t pay out for accidental damage from a crash or fall, whereas all-risk or comprehensive bicycle insurance typically covers both theft and accidental damage. Comparing the different cover levels helps you choose one that matches your actual level of risk.
Are cycling accessories like helmets, lights and clothing covered?
Some bicycle insurance policies include cover for accessories up to a set limit, while others only cover the bike frame and components. If you’ve invested in specialist clothing, a good helmet, or accessories like bike computers and lights, it’s worth checking whether these are included or need to be added separately.
Does bicycle insurance include public liability cover?
Many bicycle insurance policies include public liability cover, which can protect you financially if you’re responsible for injuring another person or damaging their property while cycling. This is particularly useful for cyclists who ride frequently in busy areas or take part in group rides, and it’s worth comparing whether it’s included as standard.
What happens if my bike is stolen from a bike rack at work or a train station?
Provided your bike was secured with a lock that meets your policy’s required standard, most bicycle insurance policies will cover theft from a public bike rack, station, or workplace storage area. Always check the specific wording of “away from home” cover, as some policies apply mileage or distance limits.
Do I need to prove the value of my bicycle when making a claim?
Yes, most insurers will ask for proof of purchase, a valuation, or receipts for upgraded components when settling a claim, so keeping this documentation safe is genuinely useful. Declaring the accurate current value of your bike when comparing and buying a policy also helps ensure you’re not under-insured.
Is comparing bicycle insurance via WeTrust really free?
Yes, completely. WeTrust never charges you to compare quotes through our partner Seopa’s system. We’re paid a commission by our comparison partners only if you go on to purchase a policy, which means the price you see is the price you pay, with no hidden fees added anywhere in the process.
DISCLAIMERS: We have partnered with Seopa Ltd, one of the UK’s most established insurance comparison providers. Since 2005, Seopa has helped over 5 million customers find the right cover. When you go via WeTrust.co.uk to compare car, home, van, motorbike, pet, or travel insurance, the comparison system searches up to 130+ UK providers in seconds. Instead of visiting insurers one by one, you can compare prices, excess levels, and cover side-by-side. *51% of customers with a bicycle valued up to £1500 who obtained a quote for Bicycle. Insurance through this service provided by Seopa Ltd during May 2026 were quoted less than £27.06. Using the same calculation for bicycles valued between £1500 and £3000 gave a figure of £44.39 and for bicycles valued over £3000 gave a figure of £92.69. The quote price you could achieve is dependent on your individual circumstances.