Why choose Cycle Insurance from ALA?

Our cycle insurance includes comprehensive protection for your bike at home and while out riding, provided security requirements are met.

Key cover features include:

• Theft & attempted theft cover – protection whether your bike is stored at home or away from home.
• Accidental & malicious damage cover – helps cover repair costs if your bike is damaged in an accident or through vandalism.
• Repair or replacement cover – pays to repair or replace your bike up to the insured value.
• New-for-old replacement – available for bikes under 3 years old that were purchased new.
• Flexible payment options – choose to pay annually or monthly by subscription.
• Cover for a wide range of cycles – including standard bikes, e-bikes within legal limits, tandems, and more.
• High-value bike cover – insure bikes valued up to £15,000.

You can also tailor your policy with additional options, including:

• Worldwide cover – optional protection outside the UK for up to 90 days.
• Commuting & competition cover – extend cover for daily commuting or organised cycling events.
• Accessories cover – protection for helmets, clothing, GPS devices, and more.
• Public liability cover – protection if you accidentally injure someone or damage property while cycling.
• Personal accident cover – financial support if you’re seriously injured while riding.
• Replacement cycle hire – helps cover the cost of hiring a bike while yours is being repaired or replaced.
• Cycle breakdown assistance – support if your bike breaks down or is damaged during a journey.

Like all insurance policies, there are some important exclusions, limits, and security requirements you’ll need to be aware of.

Your policy may not cover claims where:

• Security requirements have not been followed.
• Your bike was not secured using a required Sold Secure Gold or Diamond approved lock.
• Original photos of your bike, accessories, and lock were not uploaded within 14 days of the policy starting.
• You cannot provide proof of ownership.
• Your bike is left unattended without being properly secured.
• There is no evidence of forced or violent entry in a theft claim.
• The bike is used for commuting or competitive events without the relevant optional cover selected.
• The bike is used for business, courier, hire, or professional cycling purposes.
• Damage is caused by wear and tear, corrosion, poor maintenance, or mechanical/electrical breakdown.
• The bike is loaned or hired to someone outside your immediate family.
• Theft or damage occurs while the bike is with a postal or courier service.
• The bike falls outside the policy definition, including:
  • E-bikes exceeding 15.5mph / 25kmh assistance or 250w motor output.
  • Any cycle subject to Road Traffic Act requirements.

Additional restrictions and limits include:

• Bikes can be insured up to a maximum value of £15,000 each.
• Worldwide cover is limited to 90 days in any policy period.
• Public liability cover does not apply in the USA or Canada.
• Claims for theft or malicious damage require a police incident or crime reference number.
• Cover only applies to UK residents.
• Excesses apply to claims as shown in your policy schedule.

You should always read the full policy wording and schedule for complete terms, conditions, exclusions, and security requirements.

Most bicycles have a frame number stamped into the metal under the bottom bracket.

If it’s a carbon frame, the number will be etched into the surface or displayed on a sticker.

Occasionally, the frame number will be on the inside of the chain stay or on the down tube or top tube.

To be covered for theft claims, your bike must be secured using a Sold Secure Gold or Diamond rated lock that is appropriate for the value of your bike.

The policy requires:

• A Sold Secure Gold or Diamond approved lock.
• The lock must secure the bike through the frame (and wheels where applicable) to an immovable object when away from home.
• Original photos of both your bike and lock must be uploaded to your customer area within 14 days of the policy starting.
• You must be able to provide proof of ownership for the lock if requested.

The policy also states that theft claims may be declined if:

• The correct approved lock was not used.
• The bike was not secured according to the policy’s security requirements.
• The lock used was not suitable for the value of the insured bike.

Examples of acceptable immovable objects include:

• Fixed bike racks
• Ground anchors
• Secure railings fixed into concrete or stone
• Properly fitted vehicle bike racks

For the latest approved locks and security ratings, you can check the Sold Secure database: Sold Secure

Even the best rider can hit a bit of bad luck – from a simple pothole on the way to work, to wiping out going off-terrain, which is why we think even weekend riders should take out an insurance policy that covers all eventualities.

Just like car insurance provides drivers with peace of mind, bike insurance allows you to enjoy the open road free from worry. You’ll know that should something happen while you’re out and about, you’ll be back in the saddle in no time.

We’re renowned for providing top quality financial products within the motor industry, which makes us perfectly positioned to help provide cover for some of the most vulnerable road users too. And thanks to our flexible cycle insurance policy, you can create cover that’s totally unique to you.

Want to know what our customers think of us and our policies? Check out our ‘Excellent’ Trustpilot reviews, from people just like you!

We’ve made the process of getting a cycle insurance quote as simple as possible. All you have to do is head to our online quote form and fill in your details. Choose any optional extras – and away you go.

Of course, if you have any questions about your cycle insurance quote, you can get in touch with us. We’re available to contact via email at info@ala.co.uk or on the phone. Just dial 01653 916642 and we’ll be happy to talk things through.

The cycle insurance policy is underwritten by Astrenska Insurance Limited, trading as Collinson Insurance.

Astrenska Insurance Limited is authorised by the Prudential Regulation Authority and regulated by both the Financial Conduct Authority (FCA) and the Prudential Regulation Authority under firm reference number 202846.

The policy is arranged and administered by ALA Insurance and its appointed representatives.

For policies bought before February 2026:
The quickest and easiest way for your customers to make a claim is online at:  https://theoxfordclaimscompany.co.uk/make-a-claim/

For anyone without internet access, claims can also be logged by telephoning 01865 745566

For any claim’s enquiries, the customer contact email is claims@theoxfordclaimscompany.co.uk

For policies bought after February 2026:
To register a new claim, contact Cycler using the details below:

Email: hello@cycler.co.uk
Phone: 01206688097

Make sure to have your policy number ready when registering the claim. Please check your policy to make sure you are covered before you get in touch.

For policies bought after June 2026:

If you need to make a claim, you should contact the claims team as soon as possible — ideally within 24 hours of discovering the incident.

To make a claim, you can:

• Call: 01206 688097

When making a claim, you’ll typically need:

• Your policy number
• Proof of ownership for the bike and any claimed accessories
• Photos uploaded to your customer area (required within 14 days of policy start)
• Receipts or supporting documentation where requested
• A police incident or crime reference number for theft, attempted theft, or malicious damage claims

Important things to know:

• Theft or attempted theft must be reported to the police within 24 hours.
• You should not dispose of damaged items until the insurer has reviewed the claim.
• An excess may apply depending on your policy schedule.
• Claims may be declined if security requirements were not followed

You can of course cancel your policy within 14 days of purchase. Please give one of our customer support team a call, who will take you through the process. Our number is 01653 916642.